News & Insights

We help people resolve debt through a three-step journey: self-service tools, support from our phone team, and face-to-face community visits across New Zealand, which is our most trusted customer channel. We check for vulnerability, tailor fair and sustainable arrangements, and consider debt relief …

Bad debt—what we call “difficult debt”—is best handled with a customer-centred, compliant approach: confirm affordability up front with responsible lending, keep credit policies current, invoice promptly and follow up consistently, monitor receivables to act before accounts deteriorate, offer flexib…

In New Zealand, the crucial difference between can’t pay and won’t pay is intent and capacity: many people fall behind after life events and, with time and support, can realistically get back on their feet, while a smaller group refuses to engage despite having means. Treating both the same creates …