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.
Consumer Protection, Ministry of Business, Innovation and Employment
Consumer Protection provides a range of information and advice to consumers on the process of buying – what to know and do before, during and after purchasing a product or service.
Dispute resolution schemes
You have access to dispute resolution services if you are concerned about the actions of a financial services provider where you are a customer. All financial advisers and financial services providers must belong to one of these schemes. The approved, independent dispute resolution schemes are:
Additional information on understanding your rights can be found in Sorted's guides.
Local Financial Mentors
Contact your local financial mentor (budgeting service) for advice and support on financial matters and consumer rights. Visit the Family Services Directory to find your nearest financial capability service (budgeting service) for financial mentoring (budgeting) and MoneyMates (financial capability peer-led workshops).
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 NZ is an independent, non-profit organisation dedicated to getting New Zealanders a fairer deal and offers a range of helpful information and advice.