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Consumers, Creditors and Debtors

Buyer beware – but the law does provide many protections to make sure you get a fair deal when you buy goods and services. These pages explain key protections for consumers.

All resources

7 found

Back on the right road (Apr 2008)

Your rights if you bought a vehicle after 15 December 2003 and are now having problems with it

Contact: Consumer Affairs, Ministry of
Found In: Consumer > Vehicles
Format: Brochure

Buying or selling a vehicle: change of ownership (Jul 2009)

If you’re buying or selling a light vehicle privately, follow these steps to ensure you don’t get caught with unpaid vehicle licence fees, Road User Charges (RUC) or other people’s fines.

Contact: NZ Transport Agency
Found In: Consumer > Vehicles
Format: Fact Sheet

Car buyers' rights (Jul 2008)

Guide to your legal rights when buying a car privately or from a dealer

Contact: Consumers' Institute
Found In: Consumer > Vehicles
Format: Fact Sheet

Fit for the road? What you should know BEFORE buying a motor vehicle (May 2008)

This booklet applies to all used vehicle sales after 15 December 2003. It is a guide to help you minimise any risks of getting a "bad deal" when buying a used vehicle

Contact: Consumer Affairs, Ministry of
Found In: Consumer > Vehicles
Format: Booklet
Cost: nil

Letters about cars (Oct 2007)

Draft letters to use as a guide when you need to put your complaint concerning your vehicle in writing

Contact: Consumers' Institute
Found In: Consumer > Vehicles
Format: Website

Motor Vehicle Traders Register

The Motor Vehicle Traders Register (MVTR), part of the Business Services Branch at the Ministry of Economic Development, is an electronic register containing information about a motor vehicle trader's business, including its physical address and registration status. Online services include searching for information about a trader, trader registration and application maintenance, and the Banned Persons List.

Contact: Companies Office (Ministry of Economic Development)
Found In: Consumer > Vehicles
Format: Website

Personal Property Securities Register

The Personal Properties Securities Register (PPSR) is an electronic register where details of security interests in personal property can be registered and searched.

Registering your security interest on the PPSR may give you a better chance of recovering a debt if your debtor defaults. Security interests can include:

› hire purchase agreements (for example, over a TV)
› long term leases (for example, a lease over a washing machine)
› retention of title (Romalpa) clauses (for example, when a manufacturer supplies goods to a customer and has a term in their invoice that they keep title to the goods until the invoice is paid)
› loans which have personal property as security (for example, a car).

There are many different reasons why you might want to search the PPSR. A secured party is likely to search the PPSR as part of the process leading up to entering into a security agreement. Consumers may search the PPSR before buying an item of personal property to check that there is no money owing.

Online services at www.ppsr.govt.nz include searching, registering and maintaining financing statements and lodging change demands.

Contact: Companies Office (Ministry of Economic Development)
Found In: Banking, Money & Debt > Debt
Format: Website

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