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Tā mātau mahi

Ina hoko rawa, ratonga rānei koe i Aotearoa ka tiakina koe e ngā ture whakataetae, kiritaki hoki. E whakaūhia ana e te Kōmihana ētahi o ēnei ture tae atu ki ērā e tuku motika ana ki a koe ina mino moni koe, ina hoko rawa rānei mā te nama.

Ka whakaūhia anō e mātau ngā ture whakataetae pakihi me te whai kawenga ā-ture, hei tauira mō ngā raina hiko, paipa kapuni, waea whakawhitiwhiti, ngā rāngai miraka me te taunga rererangi e whai ana ki te tuku painga ki ngā kiritaki.

Kei roto i ngā ture kiritaki e whakaūhia ana e mātau ko te:

  • Fair Trading Act e aukati ana i ngā mahi teka, whakakotiti hoki a ngā pakihi
  • Credit Contracts and Consumer Finance Act e tiaki ana i ngā kiritaki ina mino moni ana rātau, ina hoko rawa rānei mā te nama
  • Commerce Act e kati ana i ngā whakakotahitanga, mahi rānei e ārai ana i te whakataetae.

Mēnā he māharahara ōu mō te mahi a tētahi pakihi, tangata rānei, ka taea e koe te tuku amuamu mai. E hia mano amuamu ka tae mai i ia tau, nō reira ka taea e mātau ētahi amuamu te whakatewhatewha engari kaua ētahi atu. Ko tā mātau e arotahi ana he whakarite kia mahi tika ngā mākete o Aotearoa, ā, e angitu ana ngā kiritaki me ngā pakihi ina hoko atu, hoko mai rānei i ngā rawa me ngā ratonga. Ko te tikanga o tēnei ka aro kē atu mātau i te nuinga o te wā ki ngā take ka whakamamae pea i ngā tāngata o Aotearoa. He mea nui ki a mātau ngā mōhiohio amuamu katoa, ā, ka noho tonu ēnei mōhiohio ki roto i tā mātau pātengi raraunga amuamu. Ka whakamahia e mātau tēnei pātengi raraunga hei tautohu i ngā tikanga pakihi he raruraru pea kei roto, ā, ka tirohia pea e mātau tēnei hei āwhina i a mātau mēnā ka whakatewhatewhahia ngā mahi ōrite ā muri ake. Ka āwhina anō tēnei pātengi i a mātau ki te whiriwhiri me pēhea e whai hua ai tā mātau āwhina i ngā pakihi kia mārama ai, kia ū ai ki te ture.

Pānuihia ngā kōrero e pēhea ana tā mātau tīpako i ā mātau whakatewhatewhatanga.

Pānui haere anō mō tā mātau mahi.


Te tuku amuamu

Mēnā ki ōu whakaaro kāore tētahi pakihi, tangata rānei i te ū ki tētahi o ngā ture e whakaūhia ana e mātau, ka taea e koe te tuku amuamu mai.

Tuku amuamu ināianei

Waea mai rānei ki 0800 943 600, īmēra rānei i contact@comcom.govt.nz.


Te tukanga amuamu

Mēnā ka whakapā mai koe ki te tuku amuamu mō tētahi pakihi, tangata rānei e whakapono ana koe i takahia e ia te ture kiritaki, whakataetae hoki/rānei, ka whakaaroarohia e mātau tō amuamu e ai ki ā mātau paearu whakaūnga.

Pānui haere anō mō tā mātau tukanga amuamu.


Tō noho matatapu

E mōhio ana mātau ka māharahara pea koe ki tā mātau whakamahi i ngā kōrero ka tukuna e koe. He tikanga ā mātau hei tiaki i ō kōrero, ā, kāore mātau e whakapā atu ki te pakihi i a mātau e tātari ana i tō amuamu.

Mēnā ka whakatau mātau ki te whakatewhatewha i tō amuamu ka whakapā atu mātau ki a koe me te pātai atu ki a koe mēnā ka pai ki a koe kia whāwhākia tō tuakiri, ngā taipitopito hoki/rānei mō tō amuamu ki te pakihi.

I te mea he Hinonga Karauna motuhake te Kōmihana, kei raro ia i te Official Information Act, ā, i ētahi wā ka whiwhi tono mātau mō ngā tārua amuamu mai i ngā pakihi, te iwi whānui me te hunga pāpāho. Ina pēnei ana ka āta tangohia, ka hunaia hoki ngā ingoa tangata i roto i ngā mōhiohio amuamu kia kore ai koe e mōhiotia.

Te tono kia noho matatapu

Ki ōu whakaaro pea ka noho raruraru pea tō tūranga ki te whakamōhio atu koe ki te Kōmihana mō tētahi mahi kino. He mea nui ki a mātau ngā mōhiohio a ngā kaiwhakaatu matatapu, ka mutu he kaupapahere tā mātau mō te huna i te tuakiri o te tangata ina tonoa ana. Hei tauira, ka whakatau mātau kia noho koe hei kaiwhakaatu matatapu mēnā he kaimahi, pātui pākihi rānei nō te tangata, whakahaere rānei e whakaatuna ana e koe.

Mēnā e māharahara ana koe mō tō noho matatapu, me kōrero mai i tō tuku mai i tō pūrongo.


Te pūrongo i ngā mahi rangatōpū hao

He uaua te kite i ngā mahi rangatōpū hao i te mea ka mahia hunatia. Nō reira, e whirinaki ana mātau ki ngā mōhiohio mai i a rātau kei roto i ngā rangatōpū hao, e mōhio ana rānei ki tētahi, kia kitea ai.

E toru ngā huarahi e taea e koe te tuku mōhiohio ki te Kōmihana mō ngā rangatōpū hao: te tono kia kaua koe e whiua mō te mahi tahi, mā te whakamahi i tā mātau utauta tūhura hara ingoamuna, te tuku pūrongo noa rānei.

Pānui haere anō mō te tuku pūrongo mō te rangatōpū hao.


Te tuku amuamu mō Te Kōmihana Tauhokohoko

Mēnā kei te māharahara koe mō te āhua o te whakarite a te Kōmihana i tētahi whakatewhatewha, take rānei, ka taea e koe te tuku amuamu mai ki a mātau.

Pānui haere anō me pēhea te tuku amuamu mō te Kōmihana.


Ko wai atu anō ka taea te āwhina?

Consumer Protection

He mōhiohio kei te paetukutuku Consumer Protection mō ngā mea me mōhio me te mahi i mua, i taua wā tonu, i muri hoki i tō hoko mai i tētahi rawa, ratonga rānei.

Mēnā he pātai kiritaki āu, uiui rānei, waea atu ki Consumer Protection i te 0508 426 678.

Te whakahoki mai i ō moni

I ētahi wā i muri i tētahi whakatewhatewha ka taea e mātau he puretumu pūtea mō ngā kiritaki i whakararua, engari ehara mātau i te ratonga whakatau wenewene. Ka mate pea koe ki te kōkiri i tāu ake take mēnā e hiahia ana koe kia whakatauhia tōu ake take, pērā i te whakahoki i ō moni.

Whakapā atu ki te Disputes Tribunal.

Ngā hua me ngā ratonga ā-pūtea

Ko Te Mana Tātai Hokohoko (FMA) te whakarite ture matua o ngā mahi e pā ana ki ngā hua me ngā ratonga ā-pūtea (kaua ngā kirimana nama).

Mō ngā māharahara mō ngā mahi whakakotiti, tinihanga rānei e pā ana ki ngā hua pūtea, ratonga rānei me whakapā atu ki te FMA.

Tohutohu ture

Ahakoa he mea nui ō māharahara ki a mātau, ā, ka āwhina i a mātau ki te whakamutu i ngā mahi takahi ture me te ārai kia kaua e mahia anō, kāore e taea e mātau te tuku tohutohu ture ki te tangata takitahi. Ka taea pea e koe te tiki tohutohu ture koreutu mai i tētahi pokapū ture hapori, rōia rānei.

Tohutohu penapena pūtea

Hei kimi i tētahi ratonga tohutohu penapena pūtea e tūtata ana ki a koe, haere ki te paetukutuku a te National Building Financial Capability Charitable Trust.

Te mōhio ki ō motika me ngā kawenga

Mō ngā tohutohu koreutu kia mōhio ai koe me te mārama hoki ki ō motika me ō herenga hei kiritaki, ā, me pēhea te whakamahi i ēnei mōhiohio kia taea ai ngā otinga pai rawa me whakapā atu ki Ngā Pou Whakawhirinaki o Aotearoa o tō rohe.

Tētahi atu

0800 LOAN STRESS

Complaint Line (ka āhei atu ki ētahi atu umanga whakatau wenewene me te whakatewhatewha).

Te tukanga amuamu

Koinei te tukanga ka whāia e mātau ina whiwhi mātau i tētahi amuamu.

Mēnā ka whakapā mai koe ki te tuku amuamu mō tētahi pakihi, tangata rānei e whakapono ana koe i wāhia e ia te ture kiritaki, whakataetae hoki/rānei, ka whakaaroarohia e mātau tō amuamu e ai ki ā mātau paearu whakaūnga. E hia mano ngā amuamu ka tae mai ki a mātau i ia tau, ā, kāore e taea e mātau ngā tāngata katoa ka whakapā mai mō ā rātau amuamu te whakautu. Mēnā ka hiahia mōhiohio atu anō mātau ka whakapā atu ki a koe.

Ka tātarihia e mātau ia amuamu ka taea mai, engari kāore e taea e mātau te katoa te whakatewhatewha. Ko tā mātau e arotahi ana he whakarite kia mahi tika ngā mākete o Aotearoa, ā, e angitu ana ngā kiritaki me ngā pakihi ina hoko atu, hoko mai rānei i ngā rawa me ngā ratonga. Ko te tikanga o tēnei ka aro kē atu mātau i te nuinga o te wā ki ngā take ka whakamamae pea i ngā tāngata o Aotearoa. Ka āwhina ngā amuamu pērā i tāu i a mātau ki te tautohu i ēnei raruraru.

Mēnā ka whakatau mātau ki te whakatewhatewha

He roa pea te wā mō tēnei i te mea he uaua ētahi whakatewhatewha. Kāore pea e taea e mātau te tuku mōhiohio mō tētahi whakatewhatewha i te wā e haere ana engari ka whakamōhio haerehia ina taea.


Mēnā kāore mātau e whakatewhatewha i tētahi amuamu

E mōhio ana mātau ka pōuri ngā kaituku amuamu ki tēnei, engari he mea nui ki a mātau ngā mōhiohio amuamu katoa, ā, ka puritia e mātau ngā mōhiohio i tukuna mai ki tā mātau pātengi raraunga amuamu. Ka whakamahia e mātau tēnei pātengi raraunga hei tautohu i ngā tikanga pakihi he raruraru pea kei roto, ā, me te āwhina i a mātau ki te whakatau i ngā āhuatanga ka whakatewhatewhahia ā muri ake.

Ka whakamahia anō e mātau tā mātau pātengi raraunga hei tohu i ngā wāhanga whakamamae kiritaki pea i roto i tā mātau pūrongo ā-tau mō Ngā Raruraru Kiritaki. Ka kitea e koe tā mātau pūrongo ā-tau mō Ngā Raruraru Kiritaki i tā mātau paetukutuku.


Ngā wenewene

Ehara mātau i te ratonga whakatau wenewene, ā, ko te tikanga kāore e taea e mātau koe te āwhina kia whakahokia mai ō moni, kia whakarato rongoā takitahi rānei. Ka taea pea e ētahi atu whakahaere koe te āwhina mō te whakatau wenewene takitahi, hei tauira, Consumer Protection, Ngā Pou Whakawhirinaki o Aotearoa, tētahi o ngā Pokapū Ture Hapori rānei e tūtata ana ki a koe – ka kitea e koe he mōhiohio atu anō i tā mātau paetukutuku.

Kaua rawa koe e tatari mō te putanga o tētahi kōkiritanga ā mātau i mua i tāu ake whai kia whakatauhia tāu ake wenewene.


Ngā mōhiohio noa

He mōhiohio kei tā mātau paetukutuku mō ō motika hei kiritaki me ngā mōhiohio mō te ture kiritaki me te whakataetae. Tirohia tā mātau aratohu mō ngā kiritaki, ngā pakihi, me ngā ahumahi kua whakaturehia.


Ngā amuamu mō te Kōmihana

Mēnā ka whiwhi mātau i ngā amuamu mō te Kōmihana, ka pānuitia te amuamu, ka rēhitatia, ā, ka tukuna ki tētahi kaiwhakahaere hei whakautu. Ka whakapā atu te kaiwhakahaere ki te kaituku amuamu, ā, ka rapu mōhiohio atu pea i a ia.

Tirohia tā mātau Kaupapahere Amuamu mō te āhua o tā mātau whakarite amuamu mō mātau anō.