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class="sitemap__node-link" href="/general-help/common-consumer-issues/refund-replacement-repair">Refund, replacement, repair</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/common-consumer-issues/repair-damage-after-normal-use">Repair damage after normal use</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/common-consumer-issues/shop-breakages">Shop breakages</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/common-consumer-issues/poor-quality-or-incomplete-work">Poor quality or incomplete work</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/common-consumer-issues/delivery-issues">Delivery issues</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/common-consumer-issues/overcharging">Overcharging</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/common-consumer-issues/misleading-prices-or-advertising">Misleading prices or advertising</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/common-consumer-issues/underweight-or-under-measure">Underweight or under-measure</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/common-consumer-issues/change-of-mind">Change of mind</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/common-consumer-issues/gone-out-of-business">Gone out of business</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/common-consumer-issues/repossession">Repossession</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/common-consumer-issues/product-recalls">Product recalls</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-788-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-788-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/general-help/consumer-rights-finder">Consumer Rights Finder</a> </div> <div id="page-788-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/consumer-rights-finder/products">Products</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/consumer-rights-finder/services">Services</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/consumer-rights-finder/after-buying-a-car">After buying a car</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/consumer-rights-finder/flights">Flights</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-711-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-711-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/general-help/how-to-complain">How to complain</a> </div> <div id="page-711-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/how-to-complain/check-you-have-a-case">Check you have a case</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/how-to-complain/making-a-complaint">Making a complaint</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/how-to-complain/take-your-complaint-further">Take your complaint further</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/how-to-complain/making-a-claim-through-the-disputes-tribunal">Making a claim through the Disputes Tribunal</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-549-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-549-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/general-help/scamwatch">Scamwatch</a> </div> <div id="page-549-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/scamwatch/types-of-scams">Types of scams</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/scamwatch/identify-a-scam">Identify a scam</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/scamwatch/avoiding-scams">Avoiding scams</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-553-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-553-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/general-help/scamwatch/scammed-take-action">Scammed? Take action</a> </div> <div id="page-553-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/scamwatch/scammed-take-action/help-others">Help others</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/scamwatch/stop-them-before-they-start">Stop them before they start</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/impacts-of-extreme-weather-events-information-for-consumers">Impacts of extreme weather events – Information for consumers</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/general-help/test-your-consumer-knowledge">Test your consumer knowledge</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-55-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-55-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/help-product-service">Help by product & service</a> </div> <div id="page-55-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-727-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-727-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/help-product-service/buying-or-renting-a-house">Buying or renting a house</a> </div> <div id="page-727-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/buying-or-renting-a-house/prepare-make-an-offer">Prepare to make an offer</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/buying-or-renting-a-house/building-reports-red-flags">Building reports</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/buying-or-renting-a-house/working-with-lawyer-conveyancer">Working with a lawyer or conveyancer</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/buying-or-renting-a-house/solving-issues-owner-real-estate-agent">Solving issues with the owner or real estate agent</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/buying-or-renting-a-house/buying-after-natural-disasters">Buying a house after a natural disaster</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/buying-or-renting-a-house/preparing-to-rent">Preparing to rent</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/buying-or-renting-a-house/solving-issues-landlord-property-manager">Solving issues with your landlord or property manager</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/home-renovation-repair">Home renovation and repair</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-532-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-532-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/help-product-service/cars">Cars</a> </div> <div id="page-532-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-533-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-533-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/help-product-service/cars/finding-the-right-car">Finding the right car</a> </div> <div id="page-533-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/cars/finding-the-right-car/researching-cars-sellers">Researching cars and sellers</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/cars/finding-the-right-car/buying-car-privately">Buying a car privately</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/cars/finding-the-right-car/buying-car-from-dealer">Buying a car from a dealer</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/cars/before-buying-used-car">Before buying a used car</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/cars/pre-purchase-inspections-checks">Pre-purchase inspections and checks</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-538-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-538-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/help-product-service/cars/paying-registering-insuring-car">Paying for, registering and insuring your car</a> </div> <div id="page-538-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/cars/paying-registering-insuring-car/car-sales-contracts-warranties">Car sales contracts and warranties</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/cars/paying-registering-insuring-car/loan-for-your-car">Getting a loan for your car</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/cars/paying-registering-insuring-car/vehicle-registration-and-licensing">Vehicle registration and licensing</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/cars/paying-registering-insuring-car/car-insurance">Car insurance</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/cars/solving-issues-private-seller">Solving issues with your private seller</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/cars/solving-issues-car-dealer">Solving issues with your car dealer</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/cars/fixing-your-car">Fixing your car</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/cars/fuel-quality">Fuel quality</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-614-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-614-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/help-product-service/cars/parking-clamping-towing">Private parking tickets, clamping and towing</a> </div> <div id="page-614-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/cars/parking-clamping-towing/code-of-practice-for-parking-enforcement-on-private-land">Code of practice for parking enforcement on private land</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/cars/takata-airbag-compulsory-recall">Takata airbag compulsory recall</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/cars/taxis-and-other-ride-share-services">Taxis and other ride-share services</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-766-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-766-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/help-product-service/phone-mobile-and-internet">Phone, mobile and internet</a> </div> <div id="page-766-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/phone-mobile-and-internet/choosing-a-provider-and-plan">Choosing a provider and plan</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/phone-mobile-and-internet/slow-internet-and-installation-delays">Slow internet and installation delays</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/phone-mobile-and-internet/mobile-phone-not-working">Mobile phone not working</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/phone-mobile-and-internet/unexpected-charges">Unexpected charges</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/phone-mobile-and-internet/cancel-your-plan">Cancel your plan</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/phone-mobile-and-internet/steps-to-making-a-complaint">Steps to making a complaint</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-719-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-719-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/help-product-service/electronics-and-appliances">Electronic devices and appliances</a> </div> <div id="page-719-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/electronics-and-appliances/before-you-buy">Before you buy</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/electronics-and-appliances/your-rights-compared">Your rights compared</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/electronics-and-appliances/product-life-maintenance-and-care">Product life, maintenance and care</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/electronics-and-appliances/faulty-appliances-and-devices">Faulty appliances and devices</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/electricity-gas-services">Electricity and gas services</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/streaming-and-downloads">Streaming and downloads</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/health-and-disability-service">Health and disability service</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-734-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-734-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/help-product-service/lawyers-and-accountants">Lawyers and accountants</a> </div> <div id="page-734-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/lawyers-and-accountants/lawyers">Lawyers</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/lawyers-and-accountants/accountants-tax-agents">Accountants and tax agents</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-737-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-737-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/help-product-service/travel-and-events">Travel and events</a> </div> <div id="page-737-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/travel-and-events/cancellations-delays">Flights, cancellations and delays</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/travel-and-events/accommodation">Accommodation</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/travel-and-events/travel-insurance">Travel insurance</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/travel-and-events/event-tickets">Event tickets</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/travel-and-events/renting-cars">Renting cars</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-746-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-746-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/help-product-service/borrowing-money">Borrowing money</a> </div> <div id="page-746-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/borrowing-money/payment-problems">Payment problems</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/borrowing-money/debt-collection-repossession">Debt collection and repossession</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/borrowing-money/unfair-fees">Unfair fees</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/borrowing-money/credit-checks-scores-and-history">Credit checks, scores and history</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/borrowing-money/loans-and-lenders">Loans and lenders</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/borrowing-money/mortgages-and-home-loans">Mortgages and home loans</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/borrowing-money/guarantors">Guarantors</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/borrowing-money/bankruptcy-and-insolvency">Bankruptcy and insolvency</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/borrowing-money/credit-contracts-plain-english">Credit contracts: Plain English definitions</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/borrowing-money/what-lenders-must-do">What lenders must do</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-804-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-804-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/help-product-service/managing-money">Managing money</a> </div> <div id="page-804-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/managing-money/financial-advice">Financial advice</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/managing-money/insurance">Insurance</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/help-product-service/managing-money/investing">Investing</a> </div> </li> </ul> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-513-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-513-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/guidance-for-businesses">Business guidance</a> </div> <div id="page-513-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-514-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-514-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/guidance-for-businesses/complying-with-consumer-laws">Complying with consumer laws</a> </div> <div id="page-514-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/guidance-for-businesses/complying-with-consumer-laws/obligations-under-the-consumer-guarantees-act">Obligations under the Consumer Guarantees Act</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/guidance-for-businesses/complying-with-consumer-laws/obligations-under-the-fair-trading-act">Obligations under the Fair Trading Act</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/guidance-for-businesses/complying-with-consumer-laws/understanding-product-safety">Understanding product safety</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/guidance-for-businesses/complying-with-consumer-laws/other-relevant-consumer-laws">Other relevant consumer laws</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-515-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-515-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/guidance-for-businesses/customer-returns-and-complaints">Customer returns and complaints</a> </div> <div id="page-515-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/guidance-for-businesses/customer-returns-and-complaints/dealing-with-complaints-and-bad-reviews">Dealing with complaints and bad reviews</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/guidance-for-businesses/customer-returns-and-complaints/understanding-when-to-resolve-an-issue">Understanding when to resolve an issue</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/guidance-for-businesses/customer-returns-and-complaints/providing-remedies-for-faulty-products">Providing remedies for faulty products</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/guidance-for-businesses/customer-returns-and-complaints/providing-remedies-for-faulty-services">Providing remedies for faulty services</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-516-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-516-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/guidance-for-businesses/solving-problems-with-suppliers">Solving problems with suppliers</a> </div> <div id="page-516-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/guidance-for-businesses/solving-problems-with-suppliers/faulty-goods-and-services-bought-by-businesses">Faulty goods and services bought by businesses</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/guidance-for-businesses/solving-problems-with-suppliers/consumer-problems-caused-by-suppliers">Consumer problems caused by suppliers</a> </div> </li> </ul> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-93-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-93-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/news-and-media">News & updates</a> </div> <div id="page-93-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/news-and-media/check-for-button-batteries-this-christmas">Check for button batteries this Christmas</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-758-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-758-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/research-and-resources">Research and Resources</a> </div> <div id="page-758-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-562-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-562-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/research-and-resources/school-resources">School resources</a> </div> <div id="page-562-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/research-and-resources/school-resources/introduction-to-school-resources">Introduction to the Consumer Protection school resources</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-563-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-563-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/research-and-resources/school-resources/year-4-6-school-resources">Year 4-6 school resources</a> </div> <div id="page-563-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/research-and-resources/school-resources/year-4-6-school-resources/module-1-going-shopping">Module 1 - Going shopping</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/research-and-resources/school-resources/year-4-6-school-resources/module-2-finding-a-good-deal">Module 2 - Finding a good deal</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/research-and-resources/school-resources/year-4-6-school-resources/module-3-sorting-problems">Module 3 - Sorting problems</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/research-and-resources/school-resources/year-4-6-school-resources/module-4-checking-the-ads">Module 4 - Checking the ads</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/research-and-resources/school-resources/year-4-6-school-resources/module-5-taking-action">Module 5 - Taking action</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-571-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-571-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/research-and-resources/school-resources/year-7-8-school-resources">Year 7-8 school resources</a> </div> <div id="page-571-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/research-and-resources/school-resources/year-7-8-school-resources/module-1-in-the-market-for-a-phone">Module 1 - In the market for a phone</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/research-and-resources/school-resources/year-7-8-school-resources/module-2-know-your-rights">Module 2 - Know your rights</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/research-and-resources/school-resources/year-7-8-school-resources/module-3-making-info-smart-choices">Module 3 - Making info-smart choices</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/research-and-resources/school-resources/year-7-8-school-resources/module-4-is-there-a-catch">Module 4 - Is there a catch?</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/research-and-resources/school-resources/year-7-8-school-resources/module-5-taking-action">Module 5 - Taking action</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-572-children" class="sitemap__accordion-toggle collapsed" data-toggle="collapse" aria-controls="page-572-children" aria-expanded="false"> <i class="icon-plus"></i> <i class="icon-minus"></i> </a> <a class="sitemap__node-link" href="/research-and-resources/school-resources/year-9-10-school-resources">Year 9-10 school resources</a> </div> <div id="page-572-children" class="collapse"> <ul class="sitemap"> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/research-and-resources/school-resources/year-9-10-school-resources/module-1-contracts-of-sale">Module 1 - Contracts of sale</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/research-and-resources/school-resources/year-9-10-school-resources/module-2-consumer-power">Module 2 - Consumer power</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/research-and-resources/school-resources/year-9-10-school-resources/module-3-globalisation">Module 3 - Globalisation</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/research-and-resources/school-resources/year-9-10-school-resources/module-4-trick-or-treat">Module 4 - Trick or treat?</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/research-and-resources/school-resources/year-9-10-school-resources/module-5-the-lures-of-advertising">Module 5 - The lures of advertising</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/research-and-resources/school-resources/year-11-ncea-level-1-internal-assessment-resource">Year 11 – NCEA Level 1 Internal Assessment Resource</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/research-and-resources/school-resources/year-12-ncea-level-2-internal-assessment-resource">Year 12 – NCEA Level 2 Internal Assessment Resource</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/research-and-resources/kura-rauemi">Kura rauemi</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/research-and-resources/research">Research</a> </div> </li> </ul> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/publications">Publications</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/about-us">About Us</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/sitemap">Sitemap</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/privacy">Privacy</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/copyright">Copyright</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/disclaimer">Disclaimer</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading sitemap__node-heading--no-children"> <a class="sitemap__node-link" href="/email-share">Share page via email</a> </div> </li> <li class="sitemap__node"> <div class="sitemap__node-heading"> <a data-target="#page-811-children" 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