Mr Manning said the woman couldn't repay the 60-year-old and, after she evaded him for some months, he enlisted the services of Benson and Henare who kidnapped her in the early hours of November 26, 2016.
In a string of Facebook messages read in court, the jury heard Tamati and the complainant discussing "the bill"; him telling her to come see him and "work it off".
The complainant told the court she woke up to Henare standing over her; telling her she had an appointment and that he and Benson would carry her there if they had to.
"They then drove her to the house then occupied by Mr Tamati and essentially handed her to him, one of them with the words 'parcel delivered'," Mr Manning said.
The Crown alleged she was taken to a small sitting room occupied by Tamati who then assaulted and sexually violated her.
In a DVD interview the complainant said Tamati threatened her with scissors, tapping them on her head as he told her he should cut her hair off and stab her.
She found a chance to escape when he fell asleep, but left the room only to be escorted back by the other defendants, who told her they couldn't take her home until they heard it from him, she said.
"They were sitting in the room next door making sure that if I left the room they were going to take me back in there anyway."
Benson and Henare, both 28 years old, were charged as parties to the alleged offending that happened in the room.
The complainant told the jury the pair held her down in the car as they drove her to Tamati, repeatedly telling her it was going to be okay.
She cried as she described Benson as "like a brother" to her, saying "There wasn't anything I wouldn't do for him."
The trial before Judge Tony Adeane is expected to last three to four days.