Know your rights

Thinking about getting a loan

When choosing a loan make sure you do your research and shop around.

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Signing up to a loan

When thinking about getting a loan make sure you know your rights.

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Loan guarantors

A guarantor is someone who is prepared to pay off your loan if you are unable to do so.

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Problems with your loan

If you are struggling with your repayments, it is important to get help quickly.

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Repossession

In the event you don’t make your repayments your lender may be entitled to take and sell some of your property to pay your loan. This is called repossession.

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Toy safety

Kids under 3 struggle to cough things up if they get stuck in their throat.

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Interest and fees after repossession

If your goods have been repossessed and sold to pay down your loan, any remaining debt you have on that loan must be frozen.

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Consumer Guarantees Act

The Consumer Guarantees Act gives you some automatic rights when you buy from a trader, whether in store or online.

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Buying online

Traders who sell online must make it clear that they are in trade.

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Refunds, repairs and replacements

You have the right to ask for a repair, replacement or refund for products and services, but you may not always be entitled to these remedies.

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Extended warranties

When you purchase goods from a trader you may be offered an extended warranty. An extended warranty is different to an everyday warranty, because it is purchased at an additional cost.

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Door-to-door and telemarketing sales

You have the right to say no to an offer from a door-to-door salesperson – if you don’t understand what they are proposing or feel pressured, don’t agree to anything.

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Mobile traders

Buying from mobile traders can be a convenient option but make sure you understand all the terms of the contract, including the total price you will pay, before you sign up.

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