FAQ

You can use your EZPAY account at any red rat store and the following websites.

https://www.redrat.co.nz
https://www.homie.co.nz

If your EZPAY application is approved you can shop after a successful direct debit payment.

Simply complete our EZPAY application form online (link to form), submit it through online or visit your
nearest red rat store with a copy of your ID and 90 day bank statement. You can also call 0800728728 to request a home visit if possible (depending on the distance from the nearest store).

You must be over 18 and a New Zealand resident. You'll need to provide the relevant identification documents as outlined below.

Option 1
One of the following:
- New Zealand passport
- New Zealand certificate of identity
- New Zealand refugee travel document
- New Zealand firearms licence
- Overseas passport or similar document issued for the purpose of international travel which:Contains the name, date of birth, a photograph and the signature of the person in whose name the document is issued; and is issued by a foreign government, the United Nations or an agency of the United Nations
- A national identity card issued for the purpose of identification that:contains the name, date of birth and a photograph of the person in whose name the document is issued and their signature or other biometric measure included where relevant; and is issued by a foreign government, the United Nations or an agency of the United Nations

Option 2
Two forms of identification, being one of:
- New Zealand full birth certificate
- Certificate of New Zealand citizenship
- Citizenship certificate issued by foreign government
- Birth certificate issued by a foreign government, the United Nations or an agency of the United Nations
And one of:
- New Zealand driver licence
- 18+ Card
- Valid and current international driving permit

Option 3
- New Zealand driver licence
And one of:
- Confirmation that the information presented on the driver licence is consistent with records held in the National Register of driver licences e.g. through Centrix SmartID
- A document issued by a government agency that contains the person’s name and signature (e.g. a SuperGold Card)
- A statement issued by a government agency to the person in the 12 months immediately preceding the date of the application (e.g. a statement from the Inland Revenue Department)

Red Rat offers an extended purchase limit for approved EZPAY customers to shop now, pay later

A Flexible Finance option that makes shopping with us easy

Sign up here to receive our updates and we'll let you know when new products are launching, as well as when we have specials and promotions running.

You can also "like" us on Facebook for regular updates.

Check out our Just In page for the newest stock on our website.

Sometimes you may need to talk about an issue you are having with Red Rat Clothing Ltd.



You should always, in the first instance contact your local store manager as they are there to help you.
If they are unable to assist you or you are not happy with the outcome you can phone us on 09 261 0033, freephone 0800 728 728 or 0064 9 261 0033, or email us at
hello@redrat.co.nz. We will confirm we have received your complaint and investigate it for you.




Red Rat Clothing Ltd. will make every effort to resolve your dispute for you but if you are still not happy then you can review your rights under the
Consumer Guarantees Act if your complaint relates to the goods sold to you by Red Rat Clothing Ltd.



If your complaint relates to the financial services provided by Red Rat Clothing Ltd. and you are not happy with the way your complaint has been dealt with, please know that Red Rat Clothing Ltd. is a member of a scheme designed to help customers resolve complaints arising from the provision of financial services and you are within your rights to seek advice from
Financial Dispute Resolution, phone 0508 337 337 or email enquiries@fdr.org.nz

Call us to change your bank account details over the phone, send us an email with a screenshot of your bank account details or pop over to your local store with a statement.

The owing balance consists of your purchases, interest, maintenance fees and dishonour fees which is outlined on your application.

Log in to our red rat website using your registered email, log in using the red rat app or call us on 0800 728 728 for details about your account.

If your direct debit has been cancelled you can download our direct debit form and take it to your bank to restart payment. Then get in contact with us so we can touch base with your bank to make sure that payments come through without a hitch.

If you are unable to keep up with your payments due to unforeseen circumstances, get in contact with us so we can help.
Red Rat may require documents supporting your claims. After reviewing these we can suspend or adjust your payments based on your situation.

One of our collections team will contact you if your payments are dishonoured or missed to see how we can help get payments re-started. If you miss numerous payments and we cannot make contact with you one of our team may visit you at home.

The bank has automatically cancelled the direct debit because your account may be in overdraft or you have contacted the bank to cancel the direct debit.

Call us to set up a one off lump sum direct debit payment, pay via internet banking or pop into your local store.

Yes through Automatic Payment but not through direct debit. Direct debit payments must be in a bank account in your name due to privacy concerns.

Yes they can pay via Automatic Payment or make a payment in store.

Call, email, chat or send us a facebook message on our reddy ratty page requesting to have your account closed.

Depending on your circumstances we may temporarily put your
payments on hold. To apply give us a call or send an email, chat or a
facebook message on our Red Rat page.

You can set up a payment through Internet Banking, call us to request an extra payment taken out through direct debit or make a payment at your local store.

BNZ 02-0191-0003676-000. Your reference number is your customer number.

You can change your payment dates or payment amount by calling us, sending us an email/chat to request change in payment date or payment amount.

One of the following reasons could cause a referral to be missed or rejected

• Your friend did not make a purchase using the email you invited them with.
• Your friend made a purchase without using the reward they were given.
• Your friend is an existing customer or subscriber.
• Your referral has been flagged as a self-referral.

If you believe your referral has been missed or should not be rejected, please contact us on hello@redrat.co.nz or Live Chat with us during business hours.

At this time, reward codes are only applicable in the Red Rat online store.

You can make as many referrals as you want. For each successful referral you will receive a coupon code. Please note you can only use one coupon code for each order you make.

Your friend will earn $20 off their first purchase, on orders over $99.

For every friend you refer you will save $20 off your next order, on orders over $99.

When you share your unique link with a friend, whether by email or social media; they will be given the opportunity to receive a reward for their first purchase with us.

When they make a purchase with their discount code, you will receive your discount code too.

It is a great way to send your friend savings and getting rewarded with savings at the same time.

We give you a unique link to share with your friends. When a friend makes a purchase with us, we will send you a reward code too.

If you receive the wrong item or size, please contact us as soon as possible via livechat, email at hello@redrat.co.nz or call us on 0800 728 728. We will organise for the correct product or size to be shipped to you as well as return of the incorrect one.

If you have placed an order through our website or via the phone, you can exchange a product purchased if it's in its original condition and it's within 30 days of receiving shipping confirmation.

*Sale of face masks, socks and underwear are final and are ineligible for return or exchange unless faulty.

You can make an exchange at any of our 13 stores nationwide. Please bear in mind that exchange's are subject to stock availability and sizing may vary from store to store. Find your nearest store here www.redrat.co.nz/store-locations

You can also exchange a product via our distribution centre. If you are exchanging a product to our distribution centre, please call us on 0800 728 728 or email us at hello@redrat.co.nz first for us to register your exchange. If your exchange is due to a fault, we may ask for photos as verification before we register your exchange.

After we have registered your exchange, please send the item via courier along with the original invoice and a note clearly explaining what size or product you would like to exchange for.

The address for our distribution centre is:

Red Rat Clothing Ltd

26 Ascot Road

Airport Oaks

Mangere

2022

Exchanges will be at your expense unless otherwise advised and refund of the original freight fee will be at our discretion.

We recommend using a tracked courier service that requires a signature upon delivery as we are not liable for any returns that fail to make it to our distribution centre.

Please note that all sales of clearance items are final and are not entitled to the refund or returns policy outlined below if you simply change your mind, so please choose carefully. The only exception is if the product is faulty.

If you have placed an order through our website or via the phone, you can return the product/s purchased for a full refund if the product/s are in their original condition and it's within 30 days of receiving shipping confirmation.

*Sale of face masks, socks and underwear are final and are ineligible for return or exchange unless faulty.

You can return your product/s to any of our 13 stores nationwide. Find your nearest store here www.redrat.co.nz/store-locations

You can also return the product/s to our distribution centre. If you are returning the product/s to our distribution centre, please call us on 0800 728 728 or email us at hello@redrat.co.nz first for us to register your return. If you return is due to a fault, we may request photos of the fault as verification before registering your return.

After we have registered your return, please return the item via courier along with the original invoice and a note clearly explaining your reason for return.

The address for our distribution centre is:

Red Rat Clothing Ltd

26 Ascot Road

Airport Oaks

Mangere

2022

Returns will be at your expense unless otherwise advised and refund of the original freight fee will be at our discretion.

We recommend using a tracked courier service that requires a signature upon delivery as we are not liable for any returns that fail to make it to our distribution centre.

Please note that all sales of clearance items are final and are not entitled to the refund or returns policy outlined below if you simply change your mind, so please choose carefully. The only exception is if the product is faulty.

No, you can shop online and checkout as a guest.

Yes you can.



If you already have an EzPay account with an email address on file, you should be able to login using that same email address here and will either be taken to your EzPay account dashboard (if you have already activated your account online) OR you will be sent a Welcome email with an activation link. Please click the link to complete your online activation so you will be able to view your EzPay account balance, Purchase Limit, etc. and start shopping online right away.



Please allow up to 5 minutes for the Welcome email to reach you. If you do not receive the email, please DO NOT try re-registering. Please email us instead at hello@redrat.co.nz with the subject line EzPay Online Activation, plus your Full Name, Customer Account Number and/or Date of Birth and we will help you as soon as we can. Please follow these instructions also if you login and cannot see your EzPay dashboard or Purchase Limit.

All our Mens and Womens shoes are sized using US sizing. Unisex styles are always in mens sizes, eg. Mens size 9 is approximately Womens size 11, but this varies from brand to brand



Check out our sizing chart: www.redrat.co.nz/size-guide/footwear

Payment can be made online using a credit card, debit card, or with your EzPay account.

If you are paying with a credit or debit card and your order exceeds $75, one of our customer service team will contact you to answer some basic security questions to validate the order.

This is to ensure the integrity of the orders that are made through the site and to protect credit and debit card holders from fraud.

If we are unable to get in contact with you, your order may be cancelled. The security questions will only take a few seconds and you can speed up this process by contacting us on 0800 728 728 after you have made the order.

Yes we do, check it out here: www.redrat.co.nz/size-guide



Please note all measurements should be used as a guide only as fit varies across brands and products.

If the styles you've order can't be fulfilled from one branch, we may need to fulfill it from multiple branches. If this happens it will appear as two separate charges on your credit/debit card but it will only ever add up to the total of the order, we will never charge you more than the order total confirmed at checkout.

If you think you've been charged incorrectly, please contact us on 0800 728 728.

The Fair Trading Act applies to online selling when a seller is "in trade".

Who is in trade?

The Fair Trading Act’s definition of “trade” is broad. It defines trade as “any trade, industry, profession, occupation, activity of commerce or undertaking relating to the supply or acquisition of goods or services.”

Whether a person is in trade will depend on the specific circumstances of the seller and the offer. Many factors can be relevant to whether a person is in trade, including whether they:

• regularly or habitually offer to sell goods or services online


• make, buy or obtain goods with the intention of selling them


• are GST registered


• have staff or assistants to help manage their sales


• have incorporated a company or set up another type of trading vehicle

Sellers cannot avoid their obligations under the Fair Trading Act or Consumer Guarantees Act by having someone else make offers or sell on their behalf. In these cases the principal seller will still be in trade, and the person selling on their behalf may also be liable.

Anyone selling goods initially bought or acquired for their own personal use is not in trade.



By this definition, Red Rat Clothing Ltd. is in trade and you can find out more about your coverage as our customer under the