Facts: The plaintiff alleges the Bank of Montreal charged duplicative NSF fees on dishonoured pre-authorized debits (PADs) when a payee attempted to process an already-rejected PAD for a second time, contrary to their standard form contract and Ontario's consumer protection legislation.
Issues: Breach of contract and unjust enrichment from duplicative NSF fees, affecting primarily low-income Canadians.
Ruling: The court certified the action as a class proceeding, addressing breach of contract, unjust enrichment, aggregate damages, and interest rates.