Citizens Advice Bureau North Canterbury
Community Organisation
Community Organisation
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If you've paid for something that you haven't received and then find out the business has closed down, there are steps you can take to try to get what you paid for or get your money back.
If the business has been sold, you can ask the new owners for the goods or services, or for your … View moreIf you've paid for something that you haven't received and then find out the business has closed down, there are steps you can take to try to get what you paid for or get your money back.
If the business has been sold, you can ask the new owners for the goods or services, or for your money back. They only have to do this if they took on the previous owner’s liabilities when they bought the business, but some new owners might want to build goodwill with customers and put things right for you even if they don’t have to.
If the business is closing down because they can't repay their debts, you can register a claim for what you are owed. As a customer, you are an unsecured creditor. Secured creditors like banks, employees and Inland Revenue, take priority over you for getting their money back, so there are no guarantees you will get anything. For a registered company, register your claim with the receiver, liquidator or administrator (check the Companies Office register for contact details). If the business is not a registered company, you can make a claim with the Insolvency and Trustee Service.
If the business is not a registered company (check the Companies Office register if you're not sure if it's a registered company), the owner is personally responsible. You can try contacting the owner to ask them to provide you with your goods or to give you a refund. If this doesn't work you have the option of making a claim through the Disputes Tribunal or District Court.
Another option is to try asking your bank for a chargeback - this is when the bank reverses a payment made by credit or debit card.
To find out more, visit: www.cab.org.nz...
#NotSureAskUs #CABNZ #closedbusiness #moneyback
Last week our Deputy Chief Executive, Dr Andrew Hubbard, was on RNZ's Nine to Noon with Kathryn Ryan, speaking about our recently-released CAB spotlight report on young people, and our new youth website.
Andrew spoke about the most common issues and challenges young people are facing … View moreLast week our Deputy Chief Executive, Dr Andrew Hubbard, was on RNZ's Nine to Noon with Kathryn Ryan, speaking about our recently-released CAB spotlight report on young people, and our new youth website.
Andrew spoke about the most common issues and challenges young people are facing ‘out in the world’, as revealed by our report. He highlighted issues in the areas of employment, renting, vehicle insurance, immigration, ID, and tertiary education and the areas where policy change is needed to better protect and support youth. The findings are based on analysis of enquiries to the CAB from around 5,000 clients under the age of 25.
Listen to the interview:
www.rnz.co.nz...
Read the report:
'Youth Engagement with Citizens Advice Bureau: A CAB Spotlight Report on the issues facing young people in Aotearoa' is available here: www.cab.org.nz...
Check out our youth website:
youth.cab.org.nz...
There will be a Justice of the Peace available in our office at 209 High Street, Rangiora on the following days this week:
Monday, 15 April between 12.30pm and 3.30pm
Wednesday, 17 April between 9.30am and 12.30pm
No appointment necessary.
Our next free Budgeting Drop-In Clinic will be held on Wednesday, 17 April, from 9.30am - 11.30am at our office at 209 High Street, Rangiora.
Meet with a Financial Mentor to discuss your household budgeting needs or to learn about managing debt.
Appointments are for 15 minutes. We recommend… View moreOur next free Budgeting Drop-In Clinic will be held on Wednesday, 17 April, from 9.30am - 11.30am at our office at 209 High Street, Rangiora.
Meet with a Financial Mentor to discuss your household budgeting needs or to learn about managing debt.
Appointments are for 15 minutes. We recommend that clients make an appointment to secure a spot however drop-ins will also be welcome, although there may be a wait.
Please phone our office to make an appointment - 03 313 8822 or 0800 367 222.
If you need to apply for or renew a New Zealand passport, you must have an identity referee or witness to confirm your identity.
An identity referee is for online applications and a witness is for when you make your application using a printed (hard copy) form.
Your referee or witness must:… View moreIf you need to apply for or renew a New Zealand passport, you must have an identity referee or witness to confirm your identity.
An identity referee is for online applications and a witness is for when you make your application using a printed (hard copy) form.
Your referee or witness must:
📌be at least 16 years old
📌have a current or expired New Zealand Passport
📌have known you for at least one year (or since birth)
📌be contactable by phone or email
📌be willing to provide personal details such as their name, date of birth and passport number and
📌not be your partner, related to you, or living with you.
While the criteria for identity referees and witnesses is the same, there are slightly different requirements for what referees and witnesses have to do to support your application.
To find out more, visit: www.cab.org.nz...
#NotSureAskUs #CABNZ #NewZealand #passports #witnesses
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