Overview:
Steven Albert Bower sued Vancouver City Savings Credit Union (Vancity) and Michelle E. Guy for breach of privacy and false credit reporting. The dispute arose from Vancity’s disclosure of mortgage documents and its reporting of missed loan payments. Vancity filed a summary trial application to dismiss the claims.

Legal Issues:

1. Breach of Privacy – Bower alleged that Vancity unlawfully disclosed his financial documents to his siblings' lawyer, violating the Privacy Act.
2. False Credit Reporting – He claimed Vancity falsely reported missed mortgage payments, harming his credit rating.

Court’s Findings:

• Privacy Claim Dismissed – The court ruled that while Bower had a privacy interest, Vancity's disclosure was justified under the loan agreement and Privacy Act exceptions. It was not done “wilfully and without a claim of right.”
• False Reporting Claim Dismissed – The court found no evidence that Vancity provided false information. Reports to credit bureaus were consistent with standard financial practices.

Outcome and Costs:
The court dismissed Bower’s claims in full and awarded costs to Vancity. The exact amount of costs was not specified in the judgment.