How to cancel Unitask and protect your consumer rights in new zealand
Understanding Unitask and why you might want to cancel
Unitask was an online platform that connected students and freelancers with short-term gig work opportunities across New Zealand. The service provided subscription-based access to job listings, account management tools, and payment processing via its website and mobile applications.
You need to know that Unitask NZ Limited was struck off the Companies Register in 2009. This means the company no longer exists as a legal entity and the service is no longer operating. If you still have an active subscription or are experiencing billing issues related to Unitask, New Zealand consumer law provides you with strong protections to recover any funds you have lost.
Discovering that a service you subscribed to has ceased operations can be frustrating and confusing. This guide walks you through your options, your rights under New Zealand law, and the concrete steps to take if you have been charged unfairly. Yafee exists to help you navigate subscription cancellations with precision and confidence.
Why this matters for your wallet
If Unitask continues to charge your payment method despite being struck off, you have the legal right to dispute those charges immediately. Each day you delay taking action, additional unauthorised payments may drain your account. Your first priority is to establish whether you are still being charged, then move swiftly to halt the payments.
What this guide covers
We explain your consumer rights under the Consumer Guarantees Act and Fair Trading Act, show you how to stop ongoing charges through your bank, guide you through the refund request process, and provide you with a complete action checklist. Yafee has helped thousands of New Zealand consumers cancel unwanted subscriptions and recover money from failed or defunct services.
Your consumer rights when a service is struck off
Your legal protections remain intact even when a company has been deregistered, and New Zealand law gives you multiple pathways to recover your money.
The consumer guarantees act protects your interests
In New Zealand, the Consumer Guarantees Act (CGA) provides you with statutory protections that no company can remove or override through their Terms of Service. These protections remain valid even if the company no longer exists as a legal entity.
Under the CGA, you have the right to expect that any service supplied to you is carried out with reasonable care and skill, and is fit for the purpose for which you purchased it. If Unitask failed to deliver on these promises before being struck off, or if you have been charged since it ceased operations, you have legal grounds to claim a full refund. The CGA applies to all consumer transactions in New Zealand, regardless of whether the supplier continues to operate.
The fair trading act adds additional protection
The Fair Trading Act makes it illegal for suppliers to make misleading claims about their services or to engage in conduct that is likely to mislead you about the nature or quality of what they offer. If Unitask advertised features or reliability that it failed to deliver, or if it continued to charge you after ceasing operations without your consent, this constitutes unfair trading conduct.
Both of these laws allow you to pursue refunds, compensation, and dispute resolution through formal channels. Yafee recommends that you preserve all documentation of charges, screenshots of your account, bank statements showing debit entries, and any communication from the company or your financial institution.
Your legal position
You have clear statutory rights under New Zealand consumer law to recover any unauthorised charges. The burden of proof is not on you to prove the service was faulty; rather, the company would need to prove it supplied the service as promised. Since Unitask no longer exists, you pursue your claim through your bank, the Companies Office, or the Consumer Protection Authority.
How to stop Unitask charges on your payment method
Your immediate priority is to prevent any further automatic payments from leaving your account.
Step one: prevent further charges through your bank
Since Unitask no longer exists as a company, you cannot access your account to cancel the subscription manually. Instead, you must take action directly through your bank or payment provider to halt the recurring payments.
- Log in to your bank account online or through your bank's mobile application.
- Look for menu options labelled "Manage payments", "Recurring transactions", "Subscriptions", or "Direct debits".
- Search for any transactions labelled "Unitask" or similar variants that may appear under a different business name.
- Identify the recurring payment or standing instruction associated with Unitask.
- Record the amount, frequency (monthly or otherwise), and the date the recurring payment was first established.
- Count how many times your account has been charged since you stopped actively using the service.
- Cancel the recurring payment immediately by selecting the cancel or delete option.
- Your bank will typically process the cancellation within one to two business days.
- Request written confirmation of the cancellation in your banking app or email.
- Monitor your account for the next 30 days to ensure no further charges appear.
- Set a reminder to check your bank statement on the date when the next payment would have been due.
- If a charge appears after you have cancelled, contact your bank immediately and inform them the company is struck off.
Step two: contact your bank if charges continue
If Unitask continues to charge your payment method after you have cancelled the recurring payment, contact your bank without delay. Inform your bank representative that Unitask NZ Limited was struck off the Companies Register in 2009 and that the company no longer exists.
- Call your bank's customer service line and request to speak with a dispute specialist or fraud investigator.
- Explain that you are experiencing unauthorised charges from a company that has been deregistered.
- Provide your bank with the exact dates and amounts of all charges since you cancelled the subscription.
- Request a chargeback or reversal of all unauthorised transactions.
- Under the Payment Card Dispute scheme, your bank can reverse charges within a defined timeframe (typically 120 days from the charge date).
- Your bank will investigate the dispute and contact the merchant's payment processor to dispute the transaction.
- Request written documentation of your dispute from your bank.
- Ask your bank to provide a dispute reference number and an expected timeline for resolution.
- Keep this documentation for your records and as evidence if you need to escalate further.
Step three: file a complaint with the consumer protection authority
If your bank is unable to resolve the matter or if unauthorised charges persist, escalate your complaint to the Consumer Protection Authority. The Commerce Commission's Consumer Protection team investigates complaints about unfair trading conduct and can pursue action against the payment processor or any entity attempting to collect funds on behalf of the defunct company.
- Visit the Commerce Commission website and locate the consumer complaints portal.
- Complete the online complaint form with your account details, all dates of charges, and amounts paid.
- Upload screenshots, bank statements, and your cancellation confirmation as supporting evidence.
- Provide a clear summary of the issue.
- Explain that Unitask was struck off in 2009 and that you are receiving unauthorised charges.
- State the total amount you have lost and the impact this has had on your financial situation.
- Wait for the Commerce Commission to investigate and contact you with an outcome.
- The investigation process typically takes 4 to 8 weeks depending on complexity.
- The Commerce Commission can take enforcement action against entities that continue to charge consumers for defunct services.
How to request a refund for charges you have already paid
You have the legal right to request a full refund for all charges paid to Unitask, particularly if the service was not delivered or was delivered defectively.
Step one: gather all evidence of charges
Compile comprehensive documentation of every payment you made to Unitask. This evidence forms the foundation of your refund claim and demonstrates the total financial loss you have suffered.
- Export your bank statements for the entire period you held a Unitask subscription.
- Highlight every transaction mentioning Unitask or the company name under which it processed payments.
- Note the date, amount, and transaction description for each charge.
- Photograph or screenshot any confirmation emails from Unitask.
- These emails often contain transaction IDs, confirmation of charges, or statements about the service being provided.
- Save these as PDF files and store them together with your bank statements.
- Create a summary spreadsheet of all charges.
- List each charge date, amount, and whether you actively used the service during that billing period.
- Calculate the total amount you have paid and identify any refund period that Unitask promised in its Terms of Service.
Step two: write a formal refund demand letter
Send a written refund claim to the last known registered office of Unitask NZ Limited. Although the company no longer exists, this formal step creates a written record of your claim and may identify any appointed liquidator or successor entity handling the company's affairs.
- Address your letter to Unitask NZ Limited at its last known registered office.
- Include your account number (if you have it), your full name, contact details, and email address.
- Use registered mail or email with read receipt to create evidence of delivery.
- State your claim clearly and cite the legal basis for your refund.
- Reference the Consumer Guarantees Act and explain that you are entitled to a refund because the service was not fit for purpose or was not delivered as promised.
- State the total amount you are claiming and provide a detailed breakdown of all charges.
- Set a deadline for response (typically 14 to 21 days).
- State that if you do not receive a response by this date, you will escalate your claim to the Commerce Commission and your bank.
- Keep a copy of this letter for your records and as evidence of your attempt to resolve the matter directly.
Step three: pursue your claim through the companies office
If Unitask does not respond to your refund demand, contact the Companies Office (part of the Ministry of Business, Innovation and Employment) to request information about any liquidator or administrator appointed to handle the company's assets and liabilities.
- Visit the Companies Office website and search the Companies Register for Unitask NZ Limited.
- Note whether the company has been placed in liquidation or whether a liquidator has been appointed.
- If a liquidator is listed, contact them directly with your refund claim and evidence of charges.
- If no liquidator is listed, request that the Companies Office provide you with any contact details for the company's directors or previous address for service.
- You can then pursue your claim against individual directors if they are identifiable and the company's assets are unavailable.
- This is a more complex legal process and Yafee recommends seeking advice from a qualified legal practitioner in such cases.
Timeline and realistic expectations for recovery
The time required to recover your money depends on which recovery pathway you pursue and the complexity of your situation.
| Recovery method |
Typical timeframe |
Success rate |
| Bank chargeback (recommended first step) |
30 to 60 days |
High if within dispute window |
| Direct refund from Unitask (struck off company) |
Unlikely to succeed |
Very low |
| Commerce Commission investigation |
4 to 8 weeks |
Moderate to high |
| Liquidator claim (if appointed) |
2 to 6 months |
Depends on available assets |
| Legal action against directors |
6 to 12 months |
Low unless directors are identifiable and solvent |
Your most effective and fastest route is to pursue a chargeback through your bank. This process is designed specifically to protect consumers from unauthorised or fraudulent charges and has a high success rate when the merchant no longer exists.
Common mistakes to avoid when cancelling Unitask
Taking the right steps now protects your money and strengthens your legal position if you need to escalate your claim.
Mistake one: delaying action after discovering the company is struck off
The longer you wait to cancel the recurring payment and file a chargeback, the more charges accumulate and the harder it becomes to dispute them. Bank chargeback windows typically close 120 days after the charge date. Act immediately upon discovering that Unitask no longer exists.
Mistake two: attempting to contact Unitask through social media or outdated channels
Since the company was struck off in 2009, social media accounts and email addresses are no longer monitored. Wasting time trying to reach the company delays your bank chargeback or complaint to the Commerce Commission. Go directly to your bank or the appropriate regulatory authority instead.
Mistake three: not documenting your dispute in writing
Verbal complaints to your bank leave no record if the matter is later disputed or escalated. Always request written confirmation of your complaint, the reference number, and the bank's investigation timeline. Yafee recommends keeping all email confirmations and printed documents in a dedicated folder.
Mistake four: failing to monitor your account after cancellation
Some payment processors continue charging after a cancellation request if they receive a chargeback from the customer's bank. Monitor your statement for 30 days after cancellation to ensure no further charges appear. If they do, immediately inform your bank that you have already cancelled and request a second chargeback.
Mistake five: assuming you have no recourse because the company no longer exists
The fact that Unitask was struck off does not erase your consumer rights or your bank's obligation to protect you from unauthorised charges. You have clear legal pathways to recover your money under the Consumer Guarantees Act and Fair Trading Act. Take action with confidence.
What to do after your cancellation is confirmed
Once your bank confirms the cancellation and any chargebacks are processed, take steps to protect yourself from similar situations in future.
Monitor your credit and banking activity
Check your credit report through Equifax (the main credit reporting agency in New Zealand) to ensure no fraudulent accounts have been opened in your name. You can request a free credit report annually.
Review other active subscriptions
Audit all other recurring payment subscriptions you maintain. Identify which services you still actively use and cancel any that you have forgotten about or no longer need. Yafee recommends a quarterly review of your bank statements to catch any unexpected recurring charges early.
Keep records of your recovery claim
Store all documentation of your dispute, including bank statements, refund demand letters, chargeback confirmation, and Commerce Commission correspondence in a secure file. These records protect you if the matter is later disputed or if you need to provide evidence in a court proceeding.
Report the issue to the commerce commission
Even if you successfully recover your money through your bank, report the issue to the Commerce Commission. This creates a record that helps the regulator identify patterns of unauthorised charging by defunct companies and take enforcement action against payment processors that fail to prevent such activity.
Comparison of your recovery options
Each pathway has different timelines, success rates, and legal foundations. Choose the option that best fits your situation.
| Option |
Effort required |
Cost to you |
Best for |
| Bank chargeback (highest priority) |
Low (one phone call) |
Free |
Charges within last 120 days |
| Commerce Commission complaint |
Medium (form and evidence) |
Free |
Establishing pattern of misconduct |
| Liquidator claim |
High (formal letter and follow-up) |
Free unless you hire a lawyer |
Larger amounts owed; liquidator appointed |
| Direct legal action |
Very high (legal counsel required) |
Lawyer fees apply |
Substantial losses; identifiable solvent defendants |
| Payment card dispute scheme (Mastercard/Visa) |
Low to medium |
Free |
Credit card charges; faster than bank |
Key checklist for cancelling Unitask
Work through this checklist systematically to ensure you recover all your money and protect yourself legally.
- Confirm that Unitask NZ Limited was struck off the Companies Register (search the Companies Office website).
- Log into your bank account and identify all recurring charges labelled Unitask or variants.
- Cancel the recurring payment through your bank immediately.
- Request written confirmation of the cancellation from your bank.
- Gather all bank statements showing charges for the entire subscription period.
- Collect screenshots of Unitask confirmation emails or account pages.
- Create a spreadsheet listing all charges with dates and amounts.
- Contact your bank and request a chargeback for all charges within the last 120 days.
- Provide your bank with copies of your evidence (statements, screenshots, spreadsheet).
- Follow up with your bank weekly until the chargeback is resolved.
- If your bank refuses, escalate to the Commerce Commission and file a formal complaint.
- Check the Companies Register to identify any appointed liquidator.
- Send a formal refund demand letter to the company's last known address (using registered mail).
- Monitor your bank account for 30 days after cancellation to catch any further charges.
- Store all documentation (bank statements, letters, confirmation emails) in a secure folder.
- Check your credit report through Equifax to ensure no fraud.
Why yafee is your trusted partner in subscription cancellations
Unitask is now a defunct company, but your consumer rights remain active and enforceable under New Zealand law. Yafee provides clear, legally grounded guidance on how to stop unauthorised charges and recover your money through the most effective pathways available to you.
Whether you pursue a bank chargeback, file a Commerce Commission complaint, or claim through a liquidator, you have multiple avenues for recovery. The key is to act quickly, document everything, and cite the relevant consumer law (Consumer Guarantees Act and Fair Trading Act) at each stage of your claim.
Yafee has helped thousands of New Zealand consumers cancel unwanted subscriptions and recover funds from failed services. Our legal framework-based approach ensures you understand not just what to do, but why you have the right to do it. Start your cancellation today and reclaim your money with confidence. Yafee stands with you through every step.