Have a gift voucher of a store that has closed?
💳🎁If you have a gift voucher or card for a shop that has closed down, you may not be able to use it or claim your money back. If there is a receiver, you could try and ask to use your voucher or make a claim as an unsecured creditor.
Receivers do not legally have to accept your voucher, but they might agree to if you ask. An unsecured creditor is someone who is owed money by a person or a company. The business will have to prioritise paying back their secured creditors, so you will only get what you are owed if there is enough money left after the secured creditors have been paid.
If the gift voucher was paid for by credit card, then the person who paid for the gift voucher can ask their credit card company for a chargeback.
To minimise the risk of losing your money, if you are given a voucher use it as soon as possible.
If you are buying a voucher:
👉pick vouchers that work across multiple retailers or services - for example, fuel vouchers or trade-association vouchers
👉ask the store if they have a trust account to protect voucher holders in the event of the store closing down.
For more information, visit cab.org.nz/article/KB00000401
[Image description: A ‘Sorry We are closed’ sign hanging on a door. Text reads, "I have a gift voucher to a shop that has closed down. What are my rights?"]
Original post credit: Citizens Advice Bureau: cab.org.nz
Poll: If we want to reduce speeding, what do you think actually changes driver behaviour? 🛻🚨🚓
In the Post's article on speeding penalties, the question is asked whether speeding fines are truly about road safety, or are they just a way to boost revenue for the Crown?
What do you think? Should speeding motorists receive speeding fines or demerit points?
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38.3% The sting of a fine (Money talks!)
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61.7% The threat of demerit points (Nobody wants to lose their license!)
Some Choice News!
DOC is rolling out a new tool to help figure out what to tackle first when it comes to protecting our threatened species and the things putting them at risk.
Why does this matter? As Nikki Macdonald from The Post points out, we’re a country with around 4,400 threatened species. With limited time and funding, conservation has always meant making tough calls about what gets attention first.
For the first time, DOC has put real numbers around what it would take to do everything needed to properly safeguard our unique natural environment. The new BioInvest tool shows the scale of the challenge: 310,177 actions across 28,007 sites.
Now that we can see the full picture, it brings the big question into focus: how much do we, as Kiwis, truly value protecting nature — and what are we prepared to invest to make it happen?
We hope this brings a smile!
🎉 Riddle me this, legends! 🎉
He/She who makes it, sells it.
He/She who buys it, doesn't use it.
The user doesn't know they are using it.
What is it?
(Shezz from Ngāruawāhia kindly provided this head-scratcher ... thanks, Shezz!)
Do you think you know the answer? Simply 'Like' this post if you know the answer and the big reveal will be posted in the comments at 2pm on the day!
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