Terms and Conditions
HOME ZONE CATALOGUE COMPANY LTD TERMS & CONDITIONS
Contract to Purchase: The Company agrees to provide for the Customer the goods selected on a Rent to Buy basis. The Customer agrees to pay Home Zone Catalogue Company Ltd for the goods by Direct Debit or Automatic Payment according to the Repayment Schedule. If any payment by the Customer falls due on a day which is not a Banking Day (being a day on which registered banks are open for business in Auckland or other city or are in which the Customer resides) the payment must be made on such earlier date as may be reasonably requested by Home Zone Catalogue Company Ltd and the Direct Debit Authority form signed by the Customer shall provide accordingly. The Customer must pay all outstanding monies (being those referred to in the Repayment Schedule, and the fees/expenses provided for in these terms and conditions together with any other monies owing to Home Zone Catalogue Company Ltd under any other purchase) on a date no later than agreed to with Home Zone Catalogue Company Ltd.
Deposit: Dependant on the Customer’s credit rating with Home Zone Catalogue Company, a deposit of between 5% and 20% of the Rent to Buy price of the item is required prior to delivery. Deposit may be paid in weekly instalments. Normal Home Zone Catalogue Company credit criteria applies to all orders placed.
Sales Policy: Home Zone Catalogue Company Ltd has a policy of not providing a credit account to anyone under the age of 18 years.
Booking Fee: A Booking Fee will be charged to the Customer’s account with each Rent to Buy or Layby purchase made, according to the following purchase amounts. The Booking Fee covers administration costs and bank charges.
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Std Delivery
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South Island Delivery
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Express Delivery
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Express South Island Delivery
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Purchase Amount
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Booking Fee
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Booking Fee
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Purchase Amount
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Booking Fee
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Booking Fee
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$0 to $300.00
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$10
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$30
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$0 to $500.00
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$25
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$40
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$301.00 to $600.00
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$30
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$50
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Greater than $500
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$50
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$80
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Greater than $600
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$50
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$80
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Order Cancellation Fee: Cancelled orders (after 7 days) will attract a cancellation fee of up to 10% of the order value.
Ownership: The goods remain the property of Home Zone Catalogue Company Ltd until they are paid for in full.
Returns during the Rent to Buy period: The Customer may return the items to the Company at any time during the agreement and agrees to a minimum charge of 8 (eight) weekly payments or 4 (four) fortnightly payments being made (over and above any previous payments made) on the return of the goods. If the goods can be sold as 2nd hand goods, the amount they are sold for, less any selling and/or delivery costs will be credited to the Customer’s Home Zone Catalogue Company account.
Direct Debit Authorities: The Customer is required to sign more than one direct debit authority. Each payment authority can be used by Home Zone Catalogue Company Ltd for the following purposes:
a. To amend the payment date or amount over the telephone if agreed by both parties;
b. To recover any amounts outstanding, where payments have been stopped and the Customer has not satisfactorily responded to Home Zone Catalogue Company Ltd by the time specified following notification by Home Zone Catalogue Company Ltd to the Customer at his or her last known address.
The discretion given to Home Zone Catalogue Company Ltd under clause 5.b includes amending the payment day or frequency. Home Zone Catalogue Company Ltd is not responsible for any bank fees incurred by the Customer as a result of any changes in payments.
Direct Debit Request on Public Holiday: If the normal direct debit request day falls on a public holiday, the Customer agrees to allow Home Zone Catalogue Company Ltd to debit their bank account the working day before the public holiday.
Missed Payment Fee: Where the Customer has a balance and fails to meet the Repayments as specified in the Repayment Schedule (including where payment is not made in accordance with clause 1), then Home Zone Catalogue Company Ltd reserves the right, at its absolute discretion, to charge the Customer a fee of $7.50 per missed payment.
Payment Cancellation Fee: If the balance of your account is higher than the payment due and you have cancelled your Direct Debit or Automatic Payment, you will be charged a $40 Payment Cancellation Fee.
Payment Stopped Fee: If your Bank stops your Direct Debit with Home Zone Catalogue Company Ltd a Payment Stopped Fee of $25 will be charged to your account.
Debt Collection Fee: If no payment is received within (40) forty days of the first non-payment where the company has had no contact from you with reasonable explanation, your account will be transferred to a Collector. You will be charged a Debt Collectors fee of $25.00. If your account needs to be collected manually by a Debt Collector, a weekly call out fee of $5.00 will be charged to your account. If you make the agreed payment this fee will be reversed by the company.
Non-payment: The Customer agrees to pay all costs of collection for non-payment, including legal fees, in the recovery of amounts owed.
Repossession: If the Customer fails to make any payments due, Home Zone Catalogue Company Ltd may at it’s discretion, repossess the goods. The Customer hereby authorizes the Company and/or its’ agent to enter the Customer’s property should repossession of the goods become necessary.
Repossession Fee: Should repossession of the goods be necessary, the Customer agrees to a further charge of a minimum of 8 (eight) weekly payments or 4 (four) fortnightly payments (over and above any previous payments made) plus a repossession fee of $80.00 - $200.00.
Ongoing Debiting: The Customer asks Home Zone Catalogue Company Ltd to continue to debit their account until requested to stop (subject to all amounts due and owing have been paid) or until such time as they have a credit balance of $200.00 on their account. The current balance of the Customers account with Home Zone Catalogue Company Ltd can be used to make further purchases or refunded if requested in accordance with clause 18.
Refusal of Credit: Home Zone Catalogue Company Ltd may at its discretion refuse credit or otherwise discontinue its trading relationship with the Customer, but shall be authorised to continue to use any Direct Debit Authorities provided by the Customer to effect payment of outstanding monies owing by that Customer.
Refunds: At the Customers request, Home Zone Catalogue Company Ltd will refund a credit balance in that Customers Revolving Credit account. This money will be deposited into the Customers account by direct credit within seven (7) days of it being requested.
Returns: No claim in relation to goods supplied by Home Zone Catalogue Company Ltd shall be recognised unless the goods are returned within seven days of delivery, and are clearly identified, marked with the original receipt/invoice number and in the condition that they were originally delivered/purchased. Goods can be exchanged for item(s) of the same value.
Faulty Goods: Home Zone Catalogue Company Ltd will repair any item that has been sold with a genuine manufacturing fault. If the item is not repairable it will be replaced or credited. The Company does not accept any responsibility for normal or excessive wear and tear.
Loss or damage: Risk shall pass to the Customer on receipt / delivery of the goods and the Customer thereafter shall be responsible for all loss of, or damage to, the goods howsoever arising, and whether direct or consequential.
Waiver: Home Zone Catalogue Company Ltd shall not be deemed to have waived any condition unless such waiver shall be in writing under the signature of an authorised officer of Home Zone Catalogue Company Ltd.
Privacy Act 1993: The Customer irrevocably authorises Home Zone Catalogue Company Ltd to collect, retain and use personal information about the Customer (“The information”), including but not limited to the information contained in this Agreement and information from third parties, for the following purposes:
a. Determining the ongoing credit worthiness of the Customer
b. Administration and enforcement of this Agreement and any and all other contracts which the Customer has with Home Zone Catalogue Company Ltd.
c. Marketing goods and services provided by Home Zone Catalogue Company Ltd.
d. Conducting market research by and on behalf of Home Zone Catalogue Company Ltd.
Disclosure: The Customer irrevocably authorises Home Zone Catalogue Company Ltd to provide the information:
a. to employees and agents of Home Zone Catalogue Company Ltd and any other person, in the ordinary course of business, for any of the purposes noted in clause 23;
b. to credit agencies and other suppliers of goods and services on credit terms to the Customer and
c. to Home Zone Catalogue Company Ltd financiers and any other person to whom Home Zone Catalogue Company Ltd may sell or assign any part of its business.
Change of Address and Telephone number: The Customer must advise Home Zone Catalogue Company Ltd in writing or by calling 0800 49 22 82 within 48 (forty eight) hours of any change of address or telephone number. Non notification of change of address where the balance of the account is greater than $50.00 you will be charged an address search fee of $40.00.
Breach of Contract: All costs incurred by Home Zone Catalogue Company Ltd in the recovery of amounts outstanding, including legal costs, collection agency charges and solicitors fees, are to be charged to the Customer and form part of the balance owing on the Customer’s account.
Early Repayment – Rent to Buy Basis: Should the Customer receive the goods and decide to re-pay any outstanding amounts earlier than specified in the repayment schedule on the Order Form, there will be no financial gain or loss to either the Customer or the Company.
CONDITIONS OF HOME ZONE CATALOGUE COMPANY LTD AUTHORITY TO ACCEPT DIRECT DEBITS
The Initiator:
a. Has agreed to give written advance notice of the net amount of each Direct Debit and the due date of the debiting at least 10 calendar days before (but not more than 2 calendar months) the date when the Direct Debit will be initiated. The advance notice will include the following message: “Unless advice to the contrary is received from you by (date*), the amount of $........... will be directly debited to your Bank account on (initiating date)”.
*This date will be at least two (2) days prior to the initiating date to allow for amendment of Direct Debits.
b. May, upon the relationship which gave rise to this Authority being terminated, give notice to the Bank that no further Direct Debits are to be initiated under the Authority.
Upon receipt of such notice the Bank may terminate this Authority as to future payments by notice in writing to me/us.
The Customer may:
a. At any time, terminate this Authority as to future payments by giving written notice of termination to the Bank and to the Initiator.
b. Stop payment of any Direct Debit to be initiated under this Authority by the Initiator by giving written notice to the Bank prior to the Direct Debit being paid by the Bank.
The Customer acknowledges that:
a. This Authority will remain in full force and effect in respect of all Direct Debits passed to my/our account in good faith notwithstanding my/our death, bankruptcy or other revocation of this Authority until actual notice of such event is received by the Bank.
b. In any event this Authority is subject to any arrangement now or hereafter existing between me/us and the Bank in relation to my/our account.
c. Any dispute as to the correctness or validity of an amount debited to my/our account shall not be the concern of the Bank except in so far as the Direct Debit has not been paid in accordance with this Authority. Any other disputes lies between me/us and the Initiator.
d. Where the Bank has used reasonable care and skill in acting in accordance with this authority, the Bank accepts no responsibility or liability in respect of:
- the accuracy of information about Direct Debits on Bank statements.
- any variations between notices given by the Initiator and the amounts of Direct Debits.
e. The Bank is not responsible for, or under any liability in respect of the Initiators failure to give written advance notice correctly nor for the non-receipt of late receipt of notice by me/us for any reason whatsoever. In any such situation the dispute lies between me/us and the Initiator.
The Bank may:
a. In its absolute discretion conclusively determine the order of priority of payment by it of any monies pursuant to this or any other Authority, cheque or draft properly executed by me/us and given to or drawn on the Bank.
b. At any time terminate this Authority as to future payments by notice in writing to me/us.
c. Charge its current fees for this service on force from time-to-time.
CONDITIONS OF HOME ZONE CATALOGUE COMPANY LTD AUTHORITY TO ACCEPT AUTOMATIC PAYMENTS
The Bank will endeavour to effect such automatic payments without any responsibility or liability for any refusal or omission to make all or any of the payments or for late payment or for any omission to follow any such instructions. Further, the Bank accepts no responsibility or liability for the accuracy of the information contained in the payment information fields on this authority or for failure to transmit such information in the manner requested. In any event this authority is subject to any arrangement now or hereafter subsisting between yourself/ourselves and the Bank in relation to my/our account.
The Bank may in its absolute discretion conclusively determine the order or priority of payment by it of any moneys pursuant to this or any other authority or cheque which I/we may now or hereafter give to the Bank or draw on my/our account.
This authority may be terminated or reduced without notice to me/us in respect of the payment detailed over, by the Bank, or the Payee.
This order will remain in force and effect in respect of all payments made in good faith notwithstanding my/our death or bankruptcy or any other revocation of this order until notice of my/our death, bankruptcy or such revocation is received by the Bank.
All current Bank and Government charges for this service in force from time to time are to be debited to my/our account.
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