NOT  AT  FAULT  SERVICES

 

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Purpose of NYFS

 

To secure accountability and deliver effective remediation where individuals have suffered preventable loss through no fault of their own.

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NYFS operates to identify, address, and resolve situations where imbalances of power, misrepresentation, or systemic failures have resulted in unfair outcomes.

 

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Vision of NYFS

 

A fairer society in which rights are protected, accountability is consistently upheld, and preventable loss is reduced through effective remediation and systemic improvement.

 

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Mission of NYFS

 

To deliver practical remediation services, strategic advocacy, and systemic reform initiatives that restore fairness and strengthen accountability across markets, institutions, and regulatory frameworks.

 

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Core value

 

Fairness First: We advance fair outcomes where imbalance, misrepresentation, or exploitation exists.

 

Accountability Without Fear or Favour: We pursue responsible and evidence-based outcomes across individuals, corporations, industries, and regulators.

 

Rights-Centred Advocacy: We protect and promote consumer, employment, privacy, and human rights through structured engagement and action.

 

Systemic Integrity: We address structural and systemic deficiencies, not only individual disputes.

 

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Strategic Pillars

 

Remediation & Recovery: Deliver structured pathways to resolve financial and non-financial loss for individuals whose rights have been unfairly impacted (see Note 1).

 

Accountability & Assurance: Identify and challenge misrepresentation, systemic imbalances, regulatory gaps, and market practices that create unfair outcomes.

 

Advocacy & Reform: Engage constructively with policymakers, regulators, and industry to strengthen laws, standards, and regulatory practice.

 

Education & Empowerment: Increase awareness of rights and available remedies to reduce preventable harm through informed decision-making.

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Note 1: NYFS does not operate in relation to losses arising from criminal acts (potentially not traffic related), geopolitical events, acts of God, war, terrorism, widespread uncontrollable events, or accident compensation matters within New Zealand.

 

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Key Stakeholders

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Primary Stakeholders:

• Individuals experiencing unfair loss or exploitation of rights (see Note 2)

• Consumers, employees, and rights-holders

 

Operational & Strategic Partners:

• Legal and professional service firms

• Subject-matter experts

• Advocacy and sector partners

 

System Actors:

• Regulators

• Government agencies

• Industry bodies

• Employers and corporations

 

Influence & Reform Community:

• Policymakers

• Law reform bodies

• Media and public interest organisations

 

Note 2: NYFS does not characterise affected persons as victims, but as individuals whose rights have been unfairly exploited

 

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Current remediation service lines

NYFS delivers practical remediation services across a range of areas where individuals face unfair loss or systemic barriers to recovery.

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Key service lines include:

• Credit Hire: Provision of replacement vehicles following not-at-fault accidents

• Employment Advocacy: Support where workers’ rights have been unfairly compromised

• Class Actions: Coordinated responses to systemic or large-scale harm

• Privacy Advocacy: Addressing breaches of personal and sensitive information

• Consumer Protection Matters: Including issues relating to product safety, service standards, and food safety.

 

In general terms, where an individual has suffered loss through no fault of their own and faces barriers to fair remediation from an individual, corporation, industry, or regulator, NYFS may provide assistance.

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Current areas of advocacy

 

Vehicle Insurance Sector: Systemic losses are not consistently recognised or addressed within the motor vehicle insurance sector. Key barriers include:

• Entrenched industry practices among insurers

• Legislative settings not aligned with comparable OECD jurisdictions

• Limited recognition of certain categories of consequential loss

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Healthcare Privacy Risk (Public and Private Sector): Elevated privacy risk persists across the healthcare sector, affecting both public and private providers. Contributing factors include:

• Continued underinvestment in technology and data security infrastructure

• Potential limitations within principles-based legal and regulatory frameworks

• Fragmented and overlapping regulatory oversight structures

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