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Join Debt Blocker

It is free to join Debt Blocker and is your choice to join or come off Debt Blocker.

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.  

 

Find a local Social Services Agent

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. 

Find a local JP.

 

Join Debt Blocker

 

Come off Debt Blocker

You will need to show photo ID with your full name when you sign-up.  

This is to make sure that you are not signing up someone else.

 

About Debt Blocker

 

What is Debt Blocker?

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.

What information is held by Debt Blocker?

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.

Why might I sign up for Debt Blocker?

There are several reasons why you might want to sign up:

  1. You might have risky spending habits.
  2. You might have a problem with gambling, drugs or alcohol.
  3. You are worried you might be pressured into loans (or guarantoring loans) you don’t want, or can’t pay for.
  4. You might have a mental illness that affects your ability to make good decisions when you are unwell.
  5. You are worried that your friends or family members could put pressure on you to borrow money for them.
  6. You know that paying back a new loan will really stress you out.

What happens if I apply for a loan?

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

Who can access Debt Blocker?

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.

How will being on Debt Blocker affect my credit rating?

Debt Blocker will not affect your credit rating as no credit rating agencies can access our database.

How can I sign up for Debt Blocker?

There are two ways:

  1. You can complete a form online 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.  
  2. You can print out the form and have a JP witness you signing a sign-up form.  You then post the form to Debt Blocker.  You will be added once we receive your application.

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.

How do I come off Debt Blocker?

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.

What will Debt Blocker cost me?

Nothing.

Lending companies will be charged to search if someone is on the list.