Civil procedure – Breach of Contract - The Banking Services Act, The Consumer Protection Act - Whether the conduct and representations of the Claimant amount to negligence, negligent misstatement and/or breach of the implied duty of care and skill - Failure to exercise due diligence - Indemnity clauses - Implied terms in a contract - Unjust enrichment - Whether the Claimant is estopped from recovering the sums lost.