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, regardless of our success. Clients are liable for disbursements charged for personal/field visits, debtor default registration, skip tracing, address monitoring, legal action etc. NB: These are never incurred without your approval.

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.

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 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 commissions payable to us.

Once a debt is placed with ADC I/We understand that Aorangi Debt Collection will receive commission 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.  

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.


If you have a complaint about any aspect of our services, we will provide you with a competent, timely response. Please direct these in the first instance to our Managing Director, [email protected]

Legal Notice

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

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 and National Revenue Corporation.

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.

Privacy Statement

Aorangi Debt Collection (ADC) collects business information and personal information relating to companies and individuals from a range of sources such as business name databases, the media, Courts, credit publications, industry specific reports and journals, clients, third parties and other publicly available publications.

Our Commitment

Aorangi Debt Collection (ADC) has a firm commitment to the privacy and protection of your personal information. All information collected through this site and other sources will be kept strictly confidential and held with the utmost care.

Obligations under the Privacy Act

Aorangi Debt Collection (ADC) is subject to the Privacy Act 1993. The Privacy Act contains a set of standards for the handling of your personal information known as the National Privacy Principles (NPPs). These principles set out standards for the handling of your personal information that Aorangi Debt Collection must meet. They require Aorangi Debt Collection to:

  • Only collect personal information about you that is necessary for the recovery of debt; accounts receivable; financial and credit management services; provision of credit and business information and credit risk assessment; or to meet any legal obligations imposed on ADC.
  • Use only fair (accepted industry standards) and lawful ways to collect personal information.
  • Collect personal information directly from a client, subject or debtor if it is reasonable and practicable to do so.
  • At the time ADC collects personal information from the client, subject or debtor or as soon as practicable afterwards, we will take reasonable steps to make a client, subject or debtor aware of:
    • why we are collecting information about them;
    • Who else we might give it to; and any other specified matters.
  • Take reasonable steps to ensure the client, subject or debtor is aware of any information ADC collects even if ADC has collected it from someone else (a third party).
  • Obtain consent to collect sensitive information about you unless specified exemptions apply.
  • Only use or disclose personal information for the primary purpose of collection unless one of the exceptions in NPP 2.1 applies (for example, for a related secondary purpose within the client, subject or debtor’s reasonable expectations, we have your consent or there are specified law enforcement or public health and public safety circumstances). Note that;
  • If the information is sensitive (as defined under the Act) the uses or disclosures allowed are more limited.
  • A secondary purpose within reasonable expectations must be directly related and the direct marketing provisions of NPP 2.1(c) do not apply.
  • Take reasonable steps to ensure the personal information that ADC collects uses or discloses is accurate, complete and up-to- date. The client, subject or debtor has a right to correct the information.
  • Take reasonable steps to protect the personal information about you from misuse and loss and from unauthorised access, modification or disclosure.
  • Take reasonable steps to destroy or permanently de-identify personal information if ADC no longer needs it for any purpose for which we may use or disclose the information.
  • Provide advice in a short document that sets out clearly expressed policies on the way ADC manages personal information and make it available to anyone who asks for it.
  • If any individual asks, ADC will take reasonable steps to let the individual know, generally, what sort of personal information we hold, what purposes we hold it for and how we collect, use and disclose that information.
  • If an individual asks us, we must give access to the personal information ADC holds about that individual unless particular circumstances apply that permit us to limit the extent to which we give access – these include emergency situations, specified business imperatives and law enforcement or other public interests.
  • If it is lawful and practicable to do so, ADC will give individuals the option of interacting anonymously with us.

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