You can join at a local social services, or you can print out a form and have a JP witness you sign it.
You can not sign up someone else, or force someone to join Debt Blocker.
Join at a registered social service, and you will be added to the database immediately. They may also be able to provide you with other services and support.
Print out the sign-up form and have a JP witness you signing the form. You then post the form to Debt Blocker.
You will be added once we receive your application.
This is to make sure that you are not signing up someone else.
Debt blocker is a voluntary list where people can indicate to lending companies that they don’t want to be given credit.
This will be useful for people with risky spending habits, or are concerned they may take out loans they can’t afford when things are difficult.
When you sign-up, your name and DOB go onto a secure list, that can be searched by lenders if you apply for credit. This search will only give a “Yes” or “No” whether a person is on the list.
Debt Blocker Ltd. is a New Zealand company that exists solely to manage the database, and does not provide credit or financial services or advice to anyone. Profits from the company will be given back to the community to help people avoid unsustainable debt.
Only your full name, date of birth, and the town you live in are recorded. We ask for the your town in case there is someone with exactly the same name and date of birth as you.
You will not be asked why you signed up, anything about your financial record, or for any other personal information.
There are several reasons why you might want to sign up:
The lending company will search to see if you are on the list when you apply for a loan, and they will only get a “Yes” or “No” response.
Although Debt Blocker cannot legally stop a company from giving you credit, if they do then they do so at their own risk. If they give you credit and you are on the list, then they will be in breach of the Responsible Lending Code and may be prosecuted. If someone has given you credit and you are on Debt Blocker, contact us about what to do
Only Registered Lending Companies can search Debt Blocker as part of a credit application for a fee, and they will only get a Yes or No response.
They may not tell anyone else that you are on Debt Blocker.
No organisation or individual can access the list of people on the Debt Blocker list.
Debt Blocker will not affect your credit rating as no credit rating agencies can access our database.
There are two ways:
You will also need to show us photo ID with your full name when you sign-up. This is to make sure that you are not signing up someone else.
You may ask to come off Debt Blocker at any time through a registered social services agency, or have a JP witness you sign a come-off form. and then there is be a stand-down period of 30 days.
After this time your record will be permanently deleted from Debt Blocker. If you want to sign up again, you will have to do a new sign up.
Lending companies will be charged to search if someone is on the list.