Pay Now Client Portal


Experiencing Financial Difficulty?

Experiencing Financial Difficulty?

If your situation has changed and you are experiencing financial difficulty, please let us know as soon as possible so that we can assist you.
We encourage you to communicate with us early, openly and honestly about your situation so that we can offer the appropriate assistance and try to find a solution for your repayment issues.
If you contact us to discuss your situation, we may be able to vary your obligations and help you avoid fees and interest.
If you do not pay and fail to contact us, you may incur fees and interest and your credit record may be impacted. We may also commence enforcement action.

For assistance with financial difficulty, please contact our team on:

Phone: 0800 800 712 or +64 9 369 2801

We are available to assist you from 10.30am – 7pm (Auckland time) Monday to Friday.

If you have concerns about your finances, you can get free and confidential advice from an independent service. Moneytalks is an independent and confidential financial mentoring service which is completely free.

You can reach Moneytalks on 0800 345 123 or contact them at:

PO Box 25332
Featherson Street
Wellington New Zealand

If you are unhappy about any aspect of our service, including decisions relating to financial difficulty assistance, ask to speak to a manager. If you remain dissatisfied, you can contact our Customer Care team directly on:

Phone: 0800 507 094

Baycorp Customer Care
Private Bag 92 063,
Victoria Street West,
Auckland 1142

For complaints in relation to debts that have been assigned to (purchased by) Baycorp, if we cannot agree on how to resolve the complaint, you can contact Financial Services Complaints Limited (FSCL). FSCL are an independent, not-for-profit, external dispute resolution scheme approved by the Minister of Consumer Affairs. FSCL’s service is free to consumers and they will help resolve the complaint. You can contact FSCL by calling 0800 347 257, by emailing, through FSCL’s website:, or by writing to FSCL at PO Box 5967, WELLINGTON 6011, New Zealand.