Credit and debt
Your local Community Law Centre can provide free initial legal advice and information.
Consumer Protection helpline: 0508 426 678 (0508 4 CONSUMER)
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).
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.
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)
Phone: 0800 943 600
It’s All Good
It’s All Good is an animated series produced by The Commerce Commission about consumer rights.
Insolvency and Trustee Service
Phone: 0508 INSOLVENCY (0508 467 658)
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).
Your credit record
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.
Credit reporting and your rights
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.
Personal Properties Securities Register (PPSR)
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.
Cases in the District Courts
The Ministry of Justice