We are licensed to provide loans and leases under the National Consumer Credit Protection Act 2009 (NCCP Act). The NCCP Act regulates the activity of lending, leasing, and finance broking.
|Internal Complaints Officer contact details||Paul Walshe, 1300 324746|
|External Dispute Resolution Scheme contact details||Australian Financial Complaints Authority (AFCA) T: 1800 931 678 E: firstname.lastname@example.org W: www.afca.org.au (Member ID: 36979)|
Under the NCCP Act, we are obliged to ensure that any loan, lease, or principal increase to a loan we arrange for you is not unsuitable for you.
To decide this, we will need to ask you some questions in order to assess whether the loan or lease is not unsuitable. The law requires us to:
Credit will be unsuitable if at the time of the assessment, it is likely that at the time the loan is made:
For example, if you can only repay by selling your principal place of residence, it is presumed that the loan will cause substantial hardship unless the contrary is proved. For this reason we must ask you to provide a significant amount of information. It is therefore very important that the information you provide us is accurate. If you ask within 7 years of the date of the loan contract, lease contract, or principal increase, we must provide you with a copy our credit assessment of your application. We are only required to give you a copy of the credit assessment if a loan or lease contract is entered or the credit limit is increased.
We hope you are delighted with our services, but if you have any complaints you should notify us by contacting us in one of the following ways; call our Complaints Officer on 1300 FAIRGO, email us at: email@example.com, write to us at PO Box 884, Mandurah WA 6210 or speak to any representative of our business who will refer you to the Complaints Officer. You should explain the details of your complaint as clearly as you can. You may do this verbally or in writing. When we receive a complaint, we will attempt to resolve it promptly. We hope that in this way we will stop any unnecessary and inappropriate escalation of minor complaints.