Who do I contact about a refund/return for a Standard Purchase?

  You need to contact the merchant. Any issues with a product, returning a product or requesting a refund for goods received are subject to the retailers terms and conditions and are separate to our finance agreement with you.  

The merchant has agreed to process a refund for a Standard Purchase, but I have not received the refund?

We will require you to complete a Notice of Disputed Transaction Form and provide proof the merchant has agreed to a refund, for us to utilise Mastercard’s Chargeback and Disputes process.   This supporting documentation is a mandatory requirement and

What do I do if a merchant I have made a Standard Purchase at has gone out of business and is unable to provide the services or send the goods?

We will require you to complete a Notice of Disputed Transaction Form and provide the applicable supporting documentation for us to utilise Mastercard’s Chargeback and Disputes process:   Proof that merchant ceased trading g. an official announcement on merchant’s website,

If I haven’t received my order do I still need to maintain my monthly repayments?

Yes, you are required to maintain your monthly repayments towards your account while the dispute process is in progress.

Who do I contact about a refund/return for a Long Term Finance Transaction?

You need to contact the retailer. Any issues with a product, its delivery or a refund are subject to the retailers terms and conditions and are separate to our finance agreement with you.   Long Term Finance means Finance options

What do I do if a retailer has gone out of business and I haven’t received my order?

You need to contact the retailer directly. If the retailer has gone into liquidation you will need to contact the liquidator directly. You can find out who the appointed  liquidator is by checking the Companies Office Register and searching the

Can you help me file a claim with a liquidator?

No, you will need to file the claim with the liquidator yourself however, we are happy to provide you confirmation of your Long Term Finance purchase or a copy of your statement if you cannot locate a copy.   Insolvency.govt.nz

If I haven’t received my order do I still need to make repayments?

Yes, our finance agreement with you is separate to your purchase agreement with the retailer who you purchased goods/made an order through. Unfortunately, that means you still required to make repayments to us and will need to follow up the