• Your debt has not been paid to our clients and has now been transferred to Effective Collections for resolution.

• To settle your debt, simply follow the instructions in the "Make a Payment" section. If you have any questions or need assistance, please contact us at accounts@effectivecollections.nz.

• If you're unable to pay back your debt in full, we're here to help. Contact us to discuss your circumstances, and we'll work with you to establish a payment plan that fits your budget. Your financial situation is important to us, and we're committed to finding a solution that works for you.

• If the debt is in your name, you are responsible for it. Our mission is to assist those dealing with debt, so if you believe there is an issue with the amount owed or need to review financial information, please contact us at accounts@effectivecollections.nz. We’re here to help and will look into the matter further for you.

• If you're located overseas, we’re still here to help. Simply contact us at accounts@effectivecollections.nz, and our friendly team will assist you with your payment needs and any questions you may have.

• No problem at all—our team are here to help! If you require additional support, please fill out your details on our Contact page or email us at accounts@effectivecollections.nz. We’re happy to assist you with any questions or concerns you may have.

Terms of Trade

1) That in submitting any instruction to Effective Collections Ltd), you

acknowledge that this constitutes a legally binding agreement between

you ('the client’) and Effective Collections Ltd.

2) The Client acknowledges that in submitting any instruction that they

have read in full, and understood, and fully agree to abide by the

following terms and conditions of trade of Effective Collections Ltd.

3) Effective Collections Ltd operates on a basis of no recovery no charge

up until the commencement of legal proceedings, tracing, field visits,

credit reporting or investigative attendances.

4) That upon receipt of any instruction, Effective Collections Ltd

reserves the right to conduct at their discretion, a field agent visit to

assist in recovery/investigative actions to the value of a

maximum $170.00 plus GST. A written report is provided within 5 working

days. Please note, that the visit charge is payable within 3 days of

invoice, and is payable regardless of recovery or result.Any subsequent

non commission costs will be upon client authorisation only. If your

terms and conditions of trade legally support it, you may be able to

claim these costs in addition to your outstanding debt, however the

account for the visit will remain payable regardless of recovery.

5) Effective Collections Ltd will carry out recoveries or instructed

actions on your behalf and are thus authorised to do so effective

immediately upon receipt of instruction.

6) In the event of monies receipted directly by Effective Collections

Ltd on behalf of the Client, monies will be settled to clients minus due

commissions and charges within a maximum of 14 days of payment clearance

by way of electronic bank transfer.

7) In the event of payments receipted directly by the Client after

recovery instructions to Effective Collections Ltd, We will forward an

invoice for commissions and any associated charges payable within 3 days

of payment clearance by the client.

8) That Effective Collections Ltd will be immediately informed of any

communications or payments receipted directly by the Client from the

debtor after the issuing of instruction to Effective Collections Ltd, and

that any monies receipted directly by the client will be subject to

commission charges.

9) Unless otherwise specified, commission rate is 25% plus GST of monies

recovered, as it is recovered. All other charges, apart from the field

agent visit fee as detailed in clause 4, are on a quotation and

authorised basis only.

10) That whilst there is no minimum dollar amount that we will pursue on

your behalf, please note however that a minimum commission charge

of $85.00 plus GST applies. This is in addition to the field visit fee.

11) In the event of cancellation of instructions by the Client when

instructions have been receipted and recovery services have already

commenced, Effective Collections Ltd reserves the right to impose a

cancellation fee to cover costs and expenses incurred. The cancellation

fee is at the sole discretion of Effective Collections Ltd, but will not

be more than the standard commission charge of 25% plus GST.

12) That in issuing any instruction to Effective Collections Ltd, the

instructing person confirms that they are duly authorised to issue such

instruction on behalf of the entity that they represent.

13) That in issuing any instruction to Effective Collections Ltd the

client confirms and acknowledges that they have the due and required

authority to entitle and instruct Effective Collections Ltd to carry out

credit reports and history inquiries upon the debtor unless otherwise

specified in writing at the time of instruction. All liability for such

instruction and request in relation to the Privacy Act rests with the

client.

14) That in the event of non payment by a Client of any invoice

presented by Effective Collections Ltd for collection/investigative

services, Effective Collections Ltd reserves the right to add collection

costs of 25% plus GST, plus all costs associated with, or incidental to

the recovery of outstanding monies. Furthermore, a penalty overdue fee of

14% per month will be incurred in addition to the original outstanding.