People with affected loans drawn down on or after that date would receive $135. ASB told customers the refunds were being made because it “may” have failed in all cases to give written notice to customers of charges levied after they requested changes to their loans. ROBERT KITCHIN/STUFF Financial Markets Authority chief executive Rob Everett and Reserve Bank governor Adrian Orr deliver the findings of their joint review into the conduct and culture of banks in New Zealand. First published in 2018. “In recognition that written confirmation may not have been provided, we’re making payments to impacted customers,” it told affected customers.