Credit Contracts and Consumer Finance Act 2003

Repossession of consumer goods under consumer credit contract - Rules that apply before repossession

83I: Rules relating to accessions (goods that are installed in, or affixed to, other goods)

You could also call this:

"Rules for taking back goods with other things attached to them"

Illustration for Credit Contracts and Consumer Finance Act 2003

When you want to repossess goods that are installed in or attached to other goods, you must follow extra rules. You need to comply with certain sections of the Personal Property Securities Act 1999, which you can find at section 109 and sections 125 to 131. You cannot voluntarily give back goods that have other goods attached to them. The term "accessions" is defined in section 16 of the Personal Property Securities Act 1999, which explains what accessions mean.

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View the original legislation for this page at https://legislation.govt.nz/act/public/1986/0120/latest/link.aspx?id=DLM6501348.

This page was last updated on 1 January 2026 — View changes

Topics:

Money and consumer rights > Consumer protectionBusiness > Industry rules

83H: Debtor may voluntarily deliver consumer goods, or

"You can give back goods to the creditor if you want to, after getting a repossession warning."

83J: Effect of debtor's complaint or application on grounds of unforeseen hardship on creditor's rights to enforce credit contract, or

"What happens to the creditor's rights if you complain about unfair treatment"

Part 3ARepossession of consumer goods under consumer credit contract
Rules that apply before repossession

83IRules relating to accessions (goods that are installed in, or affixed to, other goods)

Every creditor intending to repossess an accession that is a consumer good (as provided for under section 109 of the Personal Property Securities Act 1999) must, in addition to complying with this Part, comply with sections 125 to 131 of that Act.
Despite section 83H, a debtor may not voluntarily deliver consumer goods that are, or include, accessions.
In this section, accessions has the meaning given to it in section 16 of the Personal Property Securities Act 1999.

Notes

Section 83I: inserted, on 6 June 2015, by section 51 of the Credit Contracts and Consumer Finance Amendment Act 2014 (2014 No 33).