Phone: (04) 474 2750
The Consumer Affairs website has useful information on a range of consumer topics. Consumer Affairs is part of the Ministry of Business, Innovation, and Employment (MBIE).
Phone: 0800 LOAN STRESS (0800 56 26 787)
If you’re having trouble with your loan, call to talk to someone from the Consumer Affairs helpline about it.
Your local Community Law Centre can provide free initial legal advice and information.
Phone: 0508 BUDGETLINE (0508 283 438)
For budgeting information online or on the phone, or to find a local budgeting service to help you with debt and other budgeting issues.
The Consumer NZ website provides a wide range of information on consumer credit and debt issues, including debt collectors, repossession, and bankruptcy
Phone: 0800 FOR CAB (0800 367 222)
Citizens Advice Bureaux have volunteers trained in consumer law who can provide information and advice if you have a problem with credit and debt issues.
Phone: 0800 943 600
The Commerce Commission enforces the consumer credit legislation (the Credit Contracts and Consumer Finance Act) and the laws against misleading and deceptive conduct by traders (the Fair Trading Act). The Commission provides information on these areas on its website.
Phone: 0508 INSOLVENCY (0508 46 76 587)
The Insolvency and Trustee Service (ITS) deals with bankruptcies, no asset procedures, summary instalment orders and some company liquidations. Information about those processes is available on its website. The ITS is part of the Ministry of Business, Innovation and Employment (MBIE).
Three credit reporting companies operate nationally in New Zealand. To check your record or correct any information, you’ll need to contact them all:
You’re entitled to a free copy of your credit record. You should make sure you choose the free option when you contact each company.
The Privacy Commission has information on your rights in relation to credit reporting and how to complain if you feel your rights have been breached.
Phone: 0508 PPSR INFO (0508 777 746)
Search the PPSR register to see if there is any security interest registered against a vehicle. This can be done for a small fee by registering to check online or by texting the VIN or chassis number to 3463 (FIND).
There are four dispute-resolution schemes for consumers dealing with lenders and other credit providers:
The Ministry of Justice website has information about making or responding to a claim in the District Courts: see www.justice. govt.nz/courts/civil/civil-disputes/copy_of_the-claims-process