Pay an account
Sort out how you can pay, discover more about your overdue account
and where you can go to get more support.
We understand being unable to meet your financial obligations is stressful and worrying.
Our team of highly skilled people are here to help you manage and repay your debts and provide you with greater financial flexibility in the future. The different ways you can pay are below:
Pay your debt online now with your Visa or MasterCard debit card. You will need your 12 digit reference number found on your Baycorp Notice.
Call 0800 800 712 to complete a direct debit from your bank account. It will only take a couple of minutes to set up. Please have your details on hand.
Baycorp’s account details are ANZ Bank, 06-0413-0126429-11. Include your 12 digit reference number found on your Baycorp Notice.
Call 0800 800 712 to pay by Visa or MasterCard debit card over the phone.
Take your Baycorp Notice to any Westpac branch and pay by cash, cheque or EFTPOS.
Take your Baycorp Notice to any PostShop and pay by cash, cheque or EFTPOS.
Post a cheque or money order, made payable to Baycorp, to Private Bag 92 063, Victoria Street West, Auckland 1142.
Payment: Please ensure payment is made for the exact amount due. We do not accept cash in the mail. If the payment methods listed above aren’t suitable or you would like to discuss a payment arrangement please call us on 0800 800 712 or email customerservice@baycorp.co.nz.
Contact: If you are calling from overseas, please call +64 (9) 356 2809. Alternatively you can email us on collections.nz@baycorp.co.nz.
Communication: At Baycorp we communicate with our customers using various methods. This includes email which may be sent using our contracted providers. These emails will be sent with the following email address: baycorpcustomerservice@solutiondynamics.com. Please do not delete these emails but action accordingly. If you have any questions or want to get in touch please email collections.nz@baycorp.co.nz
What if I need further information?
If you need further information that these FAQs do not cover, then please contact us:
Australia
Phone: 1300 558 830
Email: complaintsaus@baycorp.com.au
New Zealand
Phone: 0800 800 712
Email: customerservicenz@baycorp.co.nz
You will also find more information throughout our website including how you can manage your debt effectively and our privacy policy.
Why do I have to supply my personal financial information to a staff member over the phone?
So Baycorp can determine how much you as our customer can afford, to enable you to become debt-free as quickly as possible.
I have paid my account. Why can't you remove the default listing from my credit history?
Even if you have paid your account, your credit history has to remain accurate and complete. Records of defaulted accounts are generally listed with a credit reporting agency for a period of five years. Your default listing will only be removed if the default was incorrectly lodged with the bureau in the first place.
When you have paid an account we will update your default with the credit reporting agency as settled or paid in full.
Banks and financial institutions use this information to decide whether to offer credit to you and it is necessary for them to have access to full and accurate data.
Can I add a third party to my account?
Yes you can. A third party is any person authorised by you to act on your behalf. This person/s can be anyone such as, but not limited to:
- Family member/carer;
- Friend or guardian;
- Financial advisor/counselor;
- Credit management agencies
- Solicitor; OR
- Trustee
You can authorise a third party to deal on your behalf either by calling us and telling us or in writing by sending us an email or a letter with their details.
How can I avoid having an account default listed?
By paying the balance of your account off in full. If you receive a letter from us telling you that your account will be default listed, you must pay your account in full within 14 days of that letter, and then your account will be closed and will not be default listed.
How do I avoid getting into debt?
By paying your bills when they become due and owing. Remember when cancelling a service, make sure you always provide a forwarding address or email so you ensure you get the final invoice.
When do I have to pay collection costs?
In New Zealand, the credit terms and conditions of many finance providers state that any costs incurred in recovering an outstanding account must be paid by the person who owes the money. In these circumstances you become liable for any recovery costs incurred.
Will I still be able to get credit if I have an overdue account with Baycorp?
This is not a decision that Baycorp can make. Your eligibility for credit is strictly at the discretion of the lender/institution from which you are applying for credit. Paying off an outstanding debt you have with Baycorp may assist your prospects in obtaining credit.
Why do you need all my contact details?
It is important that we are able to correctly identify you and establish if the account belongs to you. If your contact details are complete and up-to-date, we are in the best position to discuss your situation and provide assistance.
I am overseas, how can I contact you?
You can either call our Collections Team on +64 9 356 2809 or email us at customerservicenz@baycorp.co.nz
What happens if I am declared bankrupt?
Most of your unsecured debts are wiped and debt collection activities against you to recover those debts are halted. Bankruptcy has serious consequences so you should seek independent legal advice about filing for bankruptcy and its procedures/implications on your situation. To understand more information about bankruptcy click here for Australia and click here for New Zealand.
What should I do if an account has been fraudulently opened and referred to Baycorp for collections?
You should contact the police and should also contact us immediately so that we may investigate. We may also require supporting documentation such as but not limited to a recent police report, a statutory declaration and proof of current ID.
Legal action has started on my account. I can't pay in full but can I pay it off in instalments?
We urge you to please contact us immediately to explain your situation and we will do everything possible to help you set up a repayment plan.
If I want to pay my outstanding account by instalments, why do I have to provide details of my income and expenditure?
The better we understand your financial situation, the more we can help you including working out a payment plan that is acceptable to both you and to us.
How do I dispute an account?
You have a right to dispute a debt if you think it is not yours or disagree with the amount owing.
To dispute an account, please contact our customer service agents or by sending us an email:
Australia
Phone: 1300 558 830
Email: complaintsaus@baycorp.com.au
New Zealand
Phone: 0800 800 712
Email: customerservicenz@baycorp.co.nz
To help us work through your dispute, please provide the following information:
- Your full name and physical address
- The name of the person or company who referred the account to Baycorp for collection
- Baycorp's Reference number - this can be found on our letter notifying you of the debt
- Your Date of Birth
What should I do if I am experiencing hardship?
If you are unable make payments or are unable keep up your payments due to your personal circumstances (e.g.) illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to ask us to vary the terms of your agreement.
For us to consider your circumstances, you may apply for hardship. To do this you need to complete the following:
- make an application in writing to customerservicenz@baycorp.co.nz;
-
in your application, you need to:
- provide your details i.e. name, Baycorp Account Number, date of birth and contact details;
- explain your reasons for the hardship application;
- provide appropriate supporting documentation (e.g. statement of financial position prepared by a budget advisor, bank statements, rent statements, letter from a doctor etc); and
-
request one of the following:
- an extension of the term of your agreement - this means we would reduce the amount due on each payment date and increase the number of payments; or
- a postponement of certain payments; or
- a hold on interest; or
- all of the above – that is, postpone some payments and pay smaller amounts over a longer time period and place a hold on interest; and
- when we receive your application, we may call you to ask you for more information.
You may also phone us to discuss on 0800 800 712.
Do this as soon as possible. If you do not meet the hardship criteria, we may not have to consider your request. If we agree to your request, we may ask you to enter into a new agreement or we may change the terms of your existing agreement with us to help you meet your obligations.
How will I know a payment has been processed using the Customer Payment Portal?
Once a payment has been made using a credit or debit card, an on screen payment confirmation message will be displayed. This can be printed or emailed.
Will my online payment using the Baycorp Customer Payment Portal incur extra debit card charges?
When you make a payment to Baycorp using your credit or debit card, Baycorp will not charge you any extra fees or charges.
Is my online payment secure using the Customer Payment Portal?
Your information travelling between your computer and our payment system is encrypted. It is a secure system which protects your data.
Debt and budgeting support
Sorted – your independent money guide
Sorted breaks down the debt process into 3 easy steps - Think, Shrink and Grow.
Think is all about planning ahead – it’s a great first step towards getting sorted. This includes a money planner, event planner, net worth calculator, goals worksheet, a quiz and a money personality profiler. Shrink is about getting out of debt as fast as you can. This includes a debt calculator, mortgage repayment calculator, mortgage manager and information on types of loans. Grow is a about how regular saving adds up over time.
MoMoney – real money skills
Mo Money courses can help you change your money habits by learning new and practical skills with their online courses. Read what other people have to say about the couses:
- “I learned how to classify desires and wants”
- “How important it is to use cashflow to keep track of what I spend”
- “Very good at defining priorities”
- “Easy to follow some good ideas”
NZ Federation of Family Budgeting Services
Provides free budgeting advice, which is confidential and non-judgemental.
Online advice includes articles, how-to videos, audio, budgeting templates, debt schedules and cashflow forecasts. The website can also help you find face-to-face advice with advisers.
Citizens Advice Bureau
The Citizens Advice Bureau can help you find a budgeting service that suits your situation, and offers a free budget advisory service in some centres.
Your credit report
Here at Baycorp we are focused on helping people resolve their debts.
As part of this, we work closely with the New Zealand credit bureaus that are responsible for tracking New Zealanders credit ratings.
If a debt is not resolved within a minimum of an initial 14 day period, the debt or default is likely to be listed with a Credit Bureau. However once a debt is repaid, Baycorp automatically updates these details with the bureau to show the debt has been paid in full; customers can check their credit record with a bureau at any time and any business can load a debt with a Credit Bureau.
If you’d like to know more about your credit rating we suggest you talk directly to a credit bureau where this information is available to you for free. Check out the links below which provide more information about your credit rating and contact details for the right people to talk to.
To understand more about your credit file, we suggest you check out Centrix FAQ's or Veda's handy online information booklet.
New Zealand Credit Bureaux
Centrix
Centrix can provide your credit file free of charge as soon as reasonably practicable, usually within 48 hours of your request (excluding weekends and public holidays). You will need to complete their application form to request access to your credit information held by Centrix.
Telephone: 0800 236 874
Email: admin@centrix.co.nz
Equifax
Equifax can also supply you a copy of your credit report for free, this will be supplied within 20 business days. If you require the information more urgently, you can use their My Credit File Express and receive your report within five business days at a cost of $9.95.
Public Consumer Enquiries
Telephone: 0800 692 733 (0800 MY CREDITINFO)
Facsimile: +64 9 367 6227
Hours: 9.00am – 4.00pm (Monday to Friday)
If you are calling from a mobile phone or from overseas please call 09 367 6200