Uninvited sales, goods, and services Unsolicited goods and services Fair Trading Act 1986, ss 21A-21D If someone provides you with goods or services that you didn’t order or ask for, you don’t have to pay for them. You do have to allow…
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Extended warranties Is it worth buying an extended warranty? Fair Trading Act 1986, ss 36T-36W Every product that you buy from a business will already be covered the Consumer Guarantees Act (see: “Automatic guarantees when buying from a business”). Some products will…
Quotes and estimates What is a quote? A quote is an offer to provide a service at a fixed price – for example, when a plumber tells you it will cost $950 to install a new water heater. A quote can be…
Different payment methods Overview There are a number of different ways people can pay for goods and services. What law applies depends on what payment scheme you’re using: Layby – when you pay a deposit on an item, and the shop puts…
Different payment methods Buy now, pay later sales What is buy now, pay later? Buy now, pay later is a payment method that lets you buy an item and pay after receiving it, without any interest added to the amount you owe.…
Buying a motor vehicle Buying a motor vehicle from a car dealer What protections do I have if I buy from a car dealer? If you buy a vehicle from a car dealer, you have rights under the Consumer Guarantees Act and…
Buying a motor vehicle Buying a motor vehicle privately Is it more risky to buy a vehicle privately? If you buy a motor vehicle privately rather than from a business, the Motor Vehicle Sales Act, the Consumer Guarantees Act and the Fair…
Where to go for more support Legal information and support groups Community Law Your local Community Law Centre can provide you with free initial legal advice. Find your local Community Law Centre online: www.communitylaw.org.nz/our-law-centres Consumer Protection The Consumer Protection website has useful…
Credit and debt Your rights and obligations when you borrow money What this chapter covers Credit contracts: Hire purchase, loans and other credit Your rights and obligations when you borrow money, key terms and concepts, and high cost consumer credit contracts Lenders:…
Credit contracts: Hire purchase, loans and other credit Your rights and obligations when you borrow money The legislation that covers credit contracts Credit Contracts and Consumer Finance Act 2003, ss 6, 7 The Credit Contracts and Consumer Finance Act 2003 (the CCCF…
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