Understanding your rights

Understanding your rights as a consumer and as an investor can make a big difference to your financial situation. 

This is particularly relevant when it comes to the costs associated with debt, faulty goods, and provision of sub-standard services. Many organisations and agencies produce resources or provide services and information that can help you. If you are concerned by things such mounting fees associated with debt or the impact of purchasing a faulty product or even something you didn’t really want, you may have options. Here are some places to seek help to understand your rights, make a complaint and find a solution to your situation.

Commerce Commission

Know your rights around fair trading with suppliers

Know your rights around consumer credit

Ministry of Consumer Affairs

The main consumer rights website resource

Dispute resolution services

You have access to dispute resolution services if you are concerned about the actions of a financial services provider where you are a customer.  These are:

Financial Services Complaints Limited

Financial Dispute Resolution

Insurance & Savings Ombudsman

The Banking Ombudsman

Utilities disputes


Additional information on understanding your rights can be found in Sorted's A–Z guides.

Budgeting services

Budgeting services offer advice and support on financial matters and consumer rights. You could visit your local budgeting service or contact the New Zealand Federation of Family Budgeting Services.

Citizens Advice Bureau

The home page for Citizens Advice Bureau 

Community Law Centres

Community Law Centres provide access to free legal help. This can be useful if you want to understand your rights and how you could make a complaint or find a solution to your situation.    

You can also find out where to visit Community Law Centres on the Law Access website. 


Consumer has a range of helpful information and advice.