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 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 miscellenous 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.  

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].

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 organistion or Advisor who may be able to help you with independant 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.

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) are committed to ensuring that the privacy of your personal information is respected and maintained at all times.  We are bound by the Privacy Act 2020, the Information Principles (IPP's), together with other applicable laws and codes. ADC only collects personal information as required or authorised by law.  In particular, the Act authorises us to collect personal information from you and third parties in certain circumstances.  Information about the ways and circumstances in which we collect personal information is contained under 'Obligations under the Privacy Act'.

ADC is committed to protecting and maintaining the privacy, accuracy and security of your personal information.  'Obligations under the Privacy Act' details how we manage your personal information and how we maintain, use and disclose that information.  It also provides you with information about how you can access your personal information. 

The Office of the Privacy Commissioner has a summary of your Privacy which can be found here.

Our Commitment

Aorangi Debt Collection (ADC) has a firm commitment to protecting the privacy 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 2020. The Privacy Act contains a set of standards for the handling of your personal information known as Information Principles (IPPs). These principles set out standards for the handling of your personal information that Aorangi Debt Collection must meet. 

What is personal information?

Personal information means information about an identifiable individual.

The types of personal information that ADC collects typically includes your:

Full name, contact address, telephone and email details.

This information may be collected from the party you owe money to (credit provider),your authorised respresentative (legal or financial adviser), or via publically available information.

How do we protect your personal information?

ADC is committed to protecting the security of your personal information.  Information is stored in electronic and hard copy format. We protect your personal information from loss, misuse, unauthorised access, disclosure or modification.  Our protection methods are as follows:

Password protection through secure servers and data storage devices;

Staff training and agreement to ADC's Employment Code of Conduct which includes a clear understanding of the Privacy Act 2020.

Why do we collect your personal information?

ADC collects personal information that is resonably necessary for the recovery of money you owe to a creditor.  We collect personal information about you so we can:

Identify you;

Contact you in relation to repayment/maintenance of your account;

Enter into payment arrangements with you;

Respond to your enquiries; either by telephone, text, email or by a personal visit through our field agents.

Disclosure of personal information

ADC only disclose personal information as authrosied by law.  This may involve disclosing information to:

Our service providers where we outsource functions (process serving, information technology (operating system) maintenance, functionality and support or document storage);

Our legal advisors

Your authorised representatives or any party with your consent;

Courts and tribunals.

Disclosure to credit reporting bureaus

ADC may also disclose certain credit related personal information to credit reporting and identity verification agencies. For example, if you fail to meet repayment obligations, we may be entitled to disclose this to a credit reporting body. When such information is disclosed to a credit reporting body, the credit reporting body may retain such information (including default information) and include it in reports provided to credit providers to assist them in assessing your credit worthiness. We disclose information to the following credit reporting bodies:

Equifax NZ

Phone: 0800 692 733

Email: [email protected]

Centrix Group  Limited

Phone: +64 9 969 9706

Email: [email protected]

Notifiable Privacy Breaches

The Act requires that we report any Notifiable Privacy Breach ('NPB') to the Office of the Information Commissions and any affected individual where we reasonably believed that a privacy breach has caused, or is likely to cuase, serious harm to the affected individual or individuals.In the event of any NPB ADC will notify you as soon as practicable after becoming aware of such a breach, subject to the provisions of the Act.


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