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
Emma’s wedding dress reveal tells a different love story
A Valentine’s-inspired wedding dress show at Ryman Healthcare’s Logan Campbell Village is providing the perfect opportunity for residents to share memories of their romantic day.
But for Emma Muller, it has also turned into an opportunity to celebrate her late daughter Nicola, who died 19 years ago at the age of 37.
Poll: Should the government levy industries that contribute to financial hardship?
As reported in the Post, there’s a $30 million funding gap in financial mentoring. This has led to services closing and mentors stepping in unpaid just to keep helping people in need 🪙💰🪙
One proposed solution? Small levies on industries that profit from financial hardship — like banks, casinos, and similar companies.
So we want to hear what you think:
Should the government ask these industries to contribute?
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59.3% Yes, supporting people is important!
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26.4% No, individuals should take responsibility
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14.3% ... It is complicated
Brain Teaser of the Day 🧠✨ Can You Solve It? 🤔💬
Make a hearty dish. Take just half a minute. Add four parts of kestrel. Then just add one. What have you made?
(Trev from Silverdale kindly provided this head-scratcher ... thanks, Trev!)
Do you think you know the answer? Simply 'Like' this post and we'll post the answer in the comments below at 2pm on the day!
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