The motion court properly denied class certification. Defendant's contractual liability, if any, is individual in nature, especially in view of its credit policy. "We reject plaintiffs argument for a statistically based assessment of damages absent any certain quantification of actual losses of putative class members arising from defects in defendant's system ( see, In re Fibreboard Corp., 893 F2d 706). Thus, any award of damages will require individual assessments as to all putative class members, such that a class action would not be an efficient and superior means of resolving the claims raised by plaintiff ( see, Strauss v Long Is. Sports, 60 AD2d 501). Plaintiffs motion for leave to interpose a claim alleging a discriminatory refund policy was also properly denied absent any proof showing disparate treatment of similarly situated customers within a definable time frame.