Consumer Credit Without Tears
Consumer credit without tears
You know that you should really educate yourself about your consumer rights – but it all sounds like a lot of hard work doesn’t it?
The Commerce Commission has developed a series of fun-to-watch animations aimed at helping you understand some of the big consumer and credit issues, and have a bit of a laugh at the same time.
The series, called It’s all good, follows Herman (a solo dad with a soft spot for big-ticket consumer products), Aunty (“one of Manukau’s sharpest legal operators”) and Marcus (a financial high-achiever with a heart).
In the first episodes Herman decides to get a loan to buy a high definition flat screen TV – conveniently forgetting that he’s already servicing several other loans, and oblivious to how much it’s all going to cost him.
Accompanying the series is a handy summary of key information that you need to know if you’re thinking of taking out a loan or buying stuff on credit, plus a list of organisations that can help if you need it.
If this whets your appetite for learning about your rights and obligations in a consumer credit contract, visit the Commerce Commission website for more.
www.cab.org.nz...
If you follow the cab web link you will have access to other links in the article to watch the recordings referred to here.
But for now - click, watch, enjoy and enlighten yourself.
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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36.5% The sting of a fine (Money talks!)
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63.5% The threat of demerit points (Nobody wants to lose their license!)
Scam Alert: Bank cold calls
ASB is warning customers about reports of cold calls from scammers claiming to be from ASB. These scammers are trying to obtain personal information, including usernames, dates of birth, and verification codes sent to your mobile phone.
🛡️ The "Caller Check" Test
If you get a call from someone claiming to be from ASB and you’re unsure, just ask them for a Caller Check. You will then be able to verify the call through the app.
Remember, banks will:
❌ Never ask for your banking passwords, PINs, or verification codes
❌ Never need to know your full credit card number – especially the CVC
❌ Never ask you to download software or remotely access your device
❌ Never ask you to purchase gift cards or transfer funds.
If you have received a phone call and think your account has been compromised, call ASB on 0800 ASB FRAUD (0800 272 372), or visit your local branch.
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!
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