I have one loan (one of my first) made back in October last year that made one payment and nothing since. Now that I have access to the borrower details I see that it is a B4 (should be reasonably safe) who owns their own home and was borrowing for some renovations. A fairly safe bet in my books. I am interested to know how far Harmoney goes in recovering the loan as in this case I assume that the borrower has a property that could be sought in the recovery. I'm not at all familiar with debt recovery in NZ but how far can a lender go to recover their loan? I do understand that the loan is not secured but at what point does Harmoney 'give up'?