You are entitled to all the rights outlined in your Loan Contract including the clauses covering Payment Protect, if you have opted to take out Payment Protect as party of your loan.

You may also have rights under consumer protection legislation, such as the New Zealand Credit Contracts and Consumer Finance Act 2003 (CCCFA) or Australia's National Consumer Credit Protection Act 2009 (Cth) (NCCP) which includes the National Credit Code (NCC).