Aso Faraile 18 Aukuso 2023
E talu ai nei na fa’aalia se manatu o se tasi o budget adviser o lo o galulue fa’atasi ma le pulega a le Christians Against Poverty (CAP) o le fa’alapotopotoga o lo o feagai ma le fa’atinoina o le fesoasoani i aiga o lo o sulufa’i atu ia i latou, i tulaga tau ile fa’asoaina o tupe maua po o le paketi (budget advice) i vaiaso taitasi.
- Fa’alia le lagona o lea tamāli’i, e tatau ile tagata o lo o fuafua e na te nōnōina mai se tupe (loan) mai i se kamupani fai loan ona manatua, o lenā loan o se ‘oloa’ (lending product) o le a ia ‘fa’atau’ mai fa’aaitalafu i lenā kamupani fai loan. Ma ia manatua fo’i, so o se taimi lava e te fa’atau fa’aaitalafu mai ai se oloa, e tatau lava ona mata’itū ma mata’alia ile siakiina o tulaga nei;
- O le a le umi o le vaitaimi o lo o tu’u mai e toe totogi atu ai le aitalafu (loan term)
- E fia le pasene tului (interest rate) o le a e totogiina mo le tinoitupe (aitalafu)
- O le a le tau o isi tupe fa’aopopo (lending admin & processing fees)
- E fia atoa le tau aofa’i o le aitalafu e toe totogi atu (total cost of finance)
O le vaiaso nei i se tasi o ripoti a le 1NEWS
O le vaiaso nei i se tasi o ripoti a le 1NEWS, na latou fa’atalanoaina mai ai le fa’aseā a se tasi o mafine na fa’ao’o atu ona o le taugatā o le tau o lo o ia toe totogiina ai le aitalafu o se ta’avale na ia fa’atauina mai ile fale fa’atau ta’avale o le GMANA Cars & Wholesale Autos, ae o le aitalafu o lo o fa’atupeina e le kamupani fai loan mo ta’avale (vehicle finance lender) le Go Car Finance.
Fa’alia e le mafine i le 1NEWS, sa telē le fa’atauanau (pressure) o ia e fa’atau se ta’avale sa iai i lona ia malamalama’aga, e na o le $49,000 le tau atoa o le aitalafu o le a ia totogiina atu mo le umi e 5 tausaga. Ae pe’itai e emo ane le ata ma toe manino mulimuli ane, e $75,000 le tau atoa o le aitalafu e tatau ona totogi i totonu ole 5 tausaga. One woman 1News spoke to says she was pressured into buying a car with a loan she thought was $49,000 over five years that turned out to be $75,000.
O le tasi lea o mafatiaga o lo o fa’aleo i le fa’aseā a lenei mafine, ae o se tulaga o lo’o ta’ua mai ile fa’atalanoaga lava lea a le 1NEWS ma isi fa’alapotopotoga community budget advisers, o se mafatiaga ta’atele lava ona o le leai o se fa’amaninoga e kamupani fai loan nei, o a’afiaga tetele e tula’i mai ona o le taugatā o le tau o le nonogatupe, ma o’o ai lava ina toe loka mai le foeuli po’o le afi o le ta’avale (engine immobiliser device) pe a le gafatia ma misi se peimeni (payment instalment) ia pe o le toe fa’afoi atu fa’amalosi (vehicle repossession) o le taavale.
Fa’ailoa e le 1NEWS, o le kamupani fai loan mo taavale o lo o ta’ua i la latou ripoti, le Go Car Finance ma le Money3, le isi ona lālā autū i Ausetalia – e le o se taimi muamua lea ua a’afia ai i fa’aseā o lo o sulufa’i atu ai tagata i budget advisers ma fa’ao’o e fa’alapotopotoga ia i le Komisi o Fefa’atauaiga ma latou mata’itūina le tau o oloa, le NZ Commerce Commission, ona o le lē mulimulita’i o kamupani fai loan nei, i aiaiga mo nonogatupe fa’atuatuaina (responsible lending) o lo’o fa’atapula’a ma fa’amalosia i lalo o se tasi o tulafono o fefa’ataua’iga i aso fai fai pea, le Credit Contracts & Consumer Finance Act (CCCFA).
Ta’ua foi e nisi o sui o fa’alapotopotoga tau budget advice ma Community Law Centres i la latou faatalanoaga ma le 1NEWS, fa’apea la latou feso’otaiga ma le Financial Services Complaints Ltd (FSCL) ua silia ma le 37 pasene ua siitia ai talu mai le masina o Iuni 2023, le aofa’iga o fa’aseā e fa’ato’ai atu ona o le taugata o le tau o lo o toe totogi ai ia oloa fa’aaitalafu, aemaise lava i aitalafu mo ta’avale.
Ma o se mafatiaga tele ua manatu le tele o fa’alapotopotoga o lo o sulufa’i atu iai tagata ma a latou fa’aseā, ua tatau lava ona toe lauliliu fa’atulafonoina.
“Disputes resolution providers can’t enforce the law by prosecuting lenders. They are an ambulance at the bottom of the cliff while people continue to fall down that cliff.”
“Sometimes we are concerned that perhaps the borrower has paid too much money for the car, but at the moment we don’t have any guidance from the courts as to whether there is any additional relief or compensation that can be granted.” says the 1NEWS report on Predatory, illegal car loans placing Kiwis in financial hardship.
Source; 1NEWS
