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Consumer rights & money

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Extended warranties

Buying online

When you buy online you are still protected by the Fair Trading Act and the Consumers Guarantees Act, just like any other sale. This includes sales from Facebook Marketplace and other social media, auction sites like Trade Me, websites and text messaging. The seller must disclose their trader status online.

How to tell if someone is in “trade” and not a private person

These factors suggest that someone is a trader:

  • they regularly sell goods or services
  • they make or buy goods with the intention of selling them
  • they are GST registered
  • they have staff to help with sales
  • they have a limited liability company.

Your rights when buying from NZ business

If you buy from a New Zealand business, you are able to get refunds, repairs or replacements under the Consumer Guarantees Act. If you purchased the goods using a debit or credit card online and your goods don’t arrive, you can ask your bank to reverse the payment (“chargeback”).

Your rights when buying from an overseas business

If you buy from an overseas business, your options are more limited. For example, if you pay by credit card but don’t receive the items, you could get your money back by asking your bank for a “chargeback” where they reverse the transaction. But you can’t do this if you change your mind about the purchase.

Where can I go if I want to complain?

Firstl you should contact the trader and see if you can resolve matters. Some businesses, like Trade Me, have a dispute resolution process available. Otherwise, you can go to the Disputes Tribunal, or to the Commerce Commission if there were false or misleading misrepresentations made.

Next Section | Quotes and estimates

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Consumer protection

Where to go for more support

Community Law

www.communitylaw.org.nz

Your local Community Law Centre can provide free initial legal advice and information.

Consumer Protection

www.consumerprotection.govt.nz

Consumer Protection helpline: 0508 426 678 (0508 4 CONSUMER)

Email: cpinfo@mbie.govt.nz

The Consumer Protection website has useful information on a range of consumer topics. Consumer Protection is part of the Ministry of Business, Innovation, and Employment (MBIE).

FinCap

www.fincap.org.nz

Phone: 0800 345 123

FinCap can help you with budgeting information online or on the phone. They may also suggest a local budgeting service to help you with debt and other budgeting issues.

Consumer NZ

www.consumer.org.nz

The Consumer NZ website provides a wide range of information on consumer issues and template letters you can use to write to traders to enforce your rights. You can also order “Do Not Knock” stickers to deter uninvited door to door knockers on their website.

Citizens Advice Bureau

www.cab.org.nz

Phone: 0800 FOR CAB (0800 367 222)

Citizens Advice Bureaux have volunteers trained in consumer law who can provide you with information and advice about consumer problems.

Commerce Commission

www.comcom.govt.nz

Phone: 0800 943 600

Email: contact@comcom.govt.nz

The Commerce Commission enforces the laws against misleading and deceptive conduct by traders (the Fair Trading Act) and the consumer credit legislation (the Credit Contracts and Consumer Finance Act). The Commission provides information on these areas on its website.

Consumer rights in another language

www.comcom.govt.nz/consumers/read-about-your-consumer-rights-and-business-responsibilities-in-another-language

This site by the Commerce Commission has information about typical situations consumers find themselves in, in five different languages.

Product Recalls

www.recalls.govt.nz

This site lets you know which products have been “recalled” due to safety issues or product defects. You can generally return a recalled product to the place where you bought it to be repaired or replaced.

Motor Vehicle Traders Register

www.motortraders.med.govt.nz

Phone: 0508 MOTOR TRADERS (0508 668 678)

Check to see if a motor vehicle trader is registered.

Motor Vehicle Disputes Tribunal

www.justice.govt.nz/Tribunals/motor-vehicle-dealer-disputes

Phone: 0800 268 787

The Motor Vehicle Disputes Tribunal deals with disputes of amounts up to $100,000. It can be more if both parties agree in writing.

Personal Properties Securities Register (PPSR)

www.ppsr.companiesoffice.govt.nz/

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

Proceedings in the District Courts

The Ministry of Justice website has information about making or responding to a claim in the District Courts. See: www.justice.govt.nz and search “claims to civil court”.

Buying a car privately

YouthLaw has produced a video on buying a car privately.
See: www.youtube.com/watch?v=aK8irFAn1as

New Zealand Police

www.police.govt.nz/stolenwanted/stolen-vehicles

Check to make sure a car that you’re considering buying hasn’t been listed with the police as stolen.

Dispute resolution schemes

There are four dispute resolution schemes for consumers dealing with lenders and other credit providers.

Financial Services Complaints Limited – www.fscl.org.nz

Phone: 0800 347 257

Email: info@fscl.org.nz

Insurance & Financial Services Ombudsman
Phone: 0800 888 202

Email: info@ifso.nz

Banking Ombudsman – www.bankomb.org.nz
Phone:
0800 805 950

Email: help@bankomb.org.nz

Financial Dispute Resolution – www.fdrs.org.nz
Phone:
0508 337 337

Email: enquiries@fdrs.org.nz

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