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When circumstances change

When Wiremu and Marama’s income unexpectedly reduced they could not afford to repay the loan, resulting in the forced sale of their home.

Financial hardship

Jenny and Paul were experiencing financial hardship, but because the lending was secured by an investment property the Credit Contracts and Consumer Finance Act did not apply.

Time to sell

Chen’s lender moves towards mortgagee sale when Chen does not repay a loan after the agreed term ends.

Mortgagee sale last resort

When Christina’s circumstances changed, making repaying a loan impossible, the finance company was given no option but to apply to the court for substituted service to allow them to sell the property

Loan refunds lead to overdue loan

What happens if you cannot understand why you still owe money on a loan account when you believed the loan should have been repaid years earlier