For Consumers
![[Internal link] Services.](http://www.consumeraffairs.govt.nz/for-consumers/images/sander-220x60.jpg/image)
- SHP567
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Shopping
![[Internal link] Shopping.](http://www.consumeraffairs.govt.nz/for-consumers/images/shopping-3.jpg/image)
Your consumer rights when shopping at a shop, at home or at an auction and your rights about how you pay.
Where you buy (auctions, private sales, mail order, door to door, internet)
How you pay (prices, gift vouchers, layby, credit card chargebacks)
- CRD345
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![[Internal link] Credit and debt](http://www.consumeraffairs.govt.nz/for-consumers/images/Credit%20and%20debt.jpg)
Credit and debtYour consumer rights with credit sales (this includes 'Hire Purchase'), borrowing money, debt and repossessions.
10 questions before you borrow money
- 12334
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![[Internal link] Motor vehicles](http://www.consumeraffairs.govt.nz/for-consumers/images/Motor%20vehicles%20resize.jpg)
![[Internal link] How to complain effectively.](http://www.consumeraffairs.govt.nz/for-consumers/images/How%20to%20complain.jpg)
How to complain- CLA432
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![[Internal link] Consumer laws.](http://www.consumeraffairs.govt.nz/for-consumers/images/Laws.jpg)
![[link to the Ministry of Business, Innovation, and Employment website].](http://www.consumeraffairs.govt.nz/images/MBIE-white-space.png)
