Terms and Conditions

Aorangi Credit Management (2016) Ltd trading as Aorangi Debt Collection (ADC) is a debt recovery business specialising in the recovery of our clients unpaid accounts. 


Trust Account
ADC maintains a Trust Account for all funds received from debtors. These funds are distributed to our clients the month following collection, less our commission charges and any fees associated with the recovery.

Our Charges

We charge a small fee, per account loaded, to cover all office based services such as telephone calls, postage, texts and letters. This is payable on all accounts, irrespective of our success. Clients are liable for any pre-approved miscellaneous charges for personal/field visits, debtor default registration, skip tracing, address monitoring, legal action etc.

Clients with appropriate terms and conditions, agreed to by their clients/customers, can add the collection costs to the debt.  Aorangi will make every effort to recover these, reimbursing you the commission charged.

Our current commission rates and charges are available at any time, on request.   Please email [email protected] for a copy.

All commission, fees and miscellaneous charges are plus GST.

Payment of Fees - customer commitment

I/We apply to open a monthly credit account and acknowledge that I/We have read the terms stated and agree to abide by these terms.

Upon issuing ADC’s monthly statement I/We authorise ADC to deduct commission and expenses, plus GST, from funds held in the ADC Trust Account on our behalf.

Where I/We receive ‘paid direct’ funds, ADC will be notified immediately to cease further action with the debtor. ADC will invoice the commission plus GST payable to us.

Once a debt is placed with ADC I/We understand that Aorangi Debt Collection will receive commission plus GST on any monies collected whether the debtor pays to Aorangi Debt Collection or to ourselves, including whether the debtor is taken to the Disputes Tribunal or the District Court.  In addition, should a debtor pay a debt following a default listing being lodged against their credit score, we are liable for the payment of the commission on this payment.  

I/We agree to pay ADC strictly on the 20th day of the month following the date of Statement. Failure to do so may result in the stopping of credit facilities without notice, until payment is made. Overdue accounts will incur interest charged at 2% above ASB Banks overdraft interest rate.

Once a debt is placed with ADC and the recovery process has commenced I/We agree that all costs associated with the recovery are payable by us.  ADC will make every effort to recover collection costs for you (if these are included in your Terms and Conditions of Trade) however if these are not able to be recovered, I/We agree that we are liable to pay the recovery costs to ADC.

I/We further acknowledge and agree that all costs of collection including debt collector’s fees, solicitors costs, charges and expenses on a Solicitor and own client basis, will be added to our account and will be payable by us.

Suspension of Service

 We reserve the right to stop work if accounts are not paid on time or a request for information or action remains unsatisfied.

Continued noncompliance will result in the account being closed, and the account being handed to Aorangi Debt Collection to instigate debt recovery action to recover the amounts outstanding.


At Aorangi we aim to provide a high standard of service and deliver a positive experience to all our customers.  We recognise that sometimes things can go wrong.  In the event that you feel we have made a mistake, or we could have done something better, we will do our best to reach an appropriate outcome.

If you have a complaint about any aspect of our service, we will provide you with a competent, timely response. Please direct these in the first instance to our Managing Director, [email protected].  Should you wish to write to us please direct your message to The Managing Director, Aorangi Debt Collection, PO Box 42 143, Tower Junction, Christchurch 8149.  Alternatively please phone our office on 0508 343 9988.

Our goal is to respond to you in writing within 2 working days to confirm receipt of your complaint.  A full investigation will be undertaken by the Managing Director and a written response will be provided within 10 working days.

If you have any questions or concerns about our findings, or if you require further information or clarification from us, please do not hesitate to contact Cathy on 0508 343 9988.  Our business hours are 0800 – 1630, Monday to Friday.  We are closed on national public holidays.Financial Assistance

 Financial Assistance

If you are struggling financially, please contact us immediately so that we can work with you to find a solution.  You can also seek free advice from www.moneytalks.co.nz.  This is a free confidential budgeting service provided by the Ministry of Social Development to anyone experiencing financial difficulties in their personal life.

Additionally, should you wish to obtain free consumer and legal advice, you may wish to contact your local Citizens Advice Bureau on 0800 367 222 or via www.cab.org.nz or your local Community Law Centre at www.communitylaw.org.nz 

If you have any questions, please do not hesitate to contact our office on 0508 343 9988 or email [email protected]

Your rights, responsibilities and privacy

ADC respects your Privacy and operates strictly within the confines of the Privacy Act 2020.

There are times when you may wish to seek guidance or assistance from a community based organisation or Advisor who may be able to help you with independent advice and budget support. Across New Zealand and Australia there are a number of not for profit organisations who can assist with advice.

New Zealand

The Commerce Commission website provides details on your rights and responsibilies under the Fair Trading Act.  Click here for an overview.

The Office of the Privacy Commissioner has a summary of Your Privacy.  Click here for an overview.


Australian Securities and Investment Commission (ASIC) and The Australian Competition and Consumer Commission (ACCC) provide a booklet on 'Dealing with debt - your rights and responsibilities'.  Click here to view.

Legal Notice

This statement is legal information relating to Aorangi Credit Management (2016) Ltd and its associated website www.aorangi-debt.co.nz and www.adcaustralia.com.

Permission to use, copy and distribute documents delivered from Aorangi’s website and related graphics is not allowed without the specific, written prior permission of Aorangi Credit Management (2016) Ltd trading as Aorangi Debt Collection (ADC). All other rights are reserved.

The name of Aorangi Credit Management (2016) Ltd t/a Aorangi Debt Collection (ADC), or our logo may not be used in advertising or publicity without specific, written prior permission. ADC makes no representations about the suitability of this information for any purpose. It is provided “as is” without express or implied warranty.

Product names mentioned may be trademarks or registered trademarks of their respective corporations including Aorangi Credit Management (2016) Ltd t/a Aorangi Debt Collection (ADC), The Collection Company, National Revenue Corporation and Credit Services (NZ) Limited.

The ADC website may contain links to other web sites. We are not responsible for the privacy practices or the content of such web sites.

ADC disclaims all warranties with regard to this information, including all implied warranties of merchantability and fitness. In no event shall ADC be liable for any special, indirect or consequential damages or any damages whatsoever resulting from loss of use, data or profits, whether in an action of contract, negligence or other tortious action, arising out of or in connection with the use or performance of this information.

Contact us today to discuss your individual needs
'no recovery, no commission payable, no risk'