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I bought a new car it cost me $49 000 plus my $4000 loan
I bought a new car it cost me $49 000 plus my $4000 loan plus the dealer expenses all up $56,581.00 They said 19.95% is the interest rate Total up $32,130.00 I think its little rip off I think 19.95% … read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,837 satisfied customers
Can you dispute a credit default, when a company did not
can you dispute a credit default, when a company did not follow correct policy? … read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,837 satisfied customers
Are you able to provide advice on a guarantor defaults?
Are you able to provide advice on a guarantor defaults? … read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,837 satisfied customers
I was talking to you on my iphone regarding my husbands
Hi i was talking to you on my iphone regarding my husbands student load in NZ. They said I would be put through to someone. $56 was taken from my PayPal account but no person has appeared. … read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,837 satisfied customers
I recently went to apply for finance to buy new furniture
Hi there I recently went to apply for finance to buy new furniture and was turned down as I have an unexpected default of $800 attached to my file which had been resolved over 5 years ago. This debt i… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,837 satisfied customers
I have been really stressed dealing with a finance company
I have been really stressed dealing with a finance company in regard to an loan split due to a relationship ending, I have been paying it off and the car was repossessed at one stage and sold on, the … read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,837 satisfied customers
I have come back to NZ and my bank has sold my accounts to
I have come back to NZ and my bank has sold my accounts to the debt collectors because they thought I was not coming back to NZ. Now I have 2 debt collection companies chasing me for debt payments. But I feel this is wrong as I had not defaulted on anything to begin with. … read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,837 satisfied customers
I have an old debt from 2013 with GE Finance and Insurance.
Hi I have an old debt from 2013 with GE Finance and Insurance. At the time I lost my job and tried to make arrangements for payment. Due to not having a consistent income and not being able to keep in… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,837 satisfied customers
I am living in Australia but I am a nz citizen I had a
I am living in Australia but I am a nz citizen I had a student loan 20 years ago for approximately 5000.00 they want me to pay them 19000.00 as the arrears have accrued. They never contacted me in all… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,837 satisfied customers
Just been contacted by Baycorp (I live in Australia) on
Just been contacted by Baycorp (I live in Australia) on behalf of the IRD (Inland Revenue Department) of New Zealand for a Student loan. I thought this had been paid off prior to leaving in 1997. It's… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,837 satisfied customers
I am being hounded by Baycorp for a debt which I paid back
I am being hounded by Baycorp for a debt which I paid back in 2005. On two occasions I dealt with GE finance and provided them with details and records of payment only to be advised they can't find th… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,837 satisfied customers
Hi there i left new zealand almost 9 years ago. at the time
Hi there i left new zealand almost 9 years ago. at the time i had a $8000 bank loan, which i had started paying off. i then left the country with the intention of paying it back, but have not done so.… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,837 satisfied customers
Hi there, I have recently changed Internet/Telephone provider
Hi there, I have recently changed Internet/Telephone provider and have incurred the disconnection fee, which is fine. However there are past charges outstanding so it adds to $582 and I am trying to p… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,837 satisfied customers
My daughter was with Farmside (a phone/internet provider),
My daughter was with Farmside (a phone/internet provider), she found it difficult to meet the +300 per month fee it was costing. She changed to Telecom and was told, because she had cancelled within t… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,837 satisfied customers
Hi - In relation to my earlier query Baycorp have advised me
Hi - In relation to my earlier query Baycorp have advised me that since there is a record of regular payments from me since 2005, that they are able to enforce legal action against me if I discontinue… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,837 satisfied customers
I went Guarantor on a car quite a few years ago. Shortly after
I went Guarantor on a car quite a few years ago. Shortly after car got repossesed and i had to sort out payments....Long story short...I was told the loan had been paid by the person i had gone guaran… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,837 satisfied customers
A childcare centre we no longer attend is claiming we owe her
A childcare centre we no longer attend is claiming we owe her $10 more than we thought. I disputed the amount, but said I would to pay it as long as a receipted letter confirming our total payments fo… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,837 satisfied customers
7 year old debt $17,000 just interest from 2003, its already
7 year old debt $17,000 just interest from 2003, its already loaded by a collection agency 2008 who doesn't work for them now.And now getting calls from another collection agency. What can I do?… read more
Chris The Lawyer
Chris The Lawyer
Lawyer
Master's Degree
31,837 satisfied customers

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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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