This document provides information about the loans and leases provided by us. We are licensed to provide loans and leases under the National Consumer Credit Protection Act 2009 (NCCP Act).
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. To decide this, we may need to ask you some questions in order to assess whether the loan or lease is not unsuitable. The law requires us to:
make reasonable inquiries about your requirements and objectives;
make reasonable inquiries about your financial situation;
take reasonable steps to verify that financial situation.
Credit will be unsuitable if at the time of the assessment, it is likely that at the time the loan is made:
you could not pay or could only pay with substantial hardship;
the credit will not meet your requirements and objectives.
It is therefore very important that the information you provide to us is accurate.
We must provide you with a copy of our credit assessment of your application if you ask free of charge within seven years of the date of the loan contract, lease contract or principal increase. We are only required to give you a copy of the credit assessment if you enter into a loan or lease contract 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 our Complaints Officer by:
telephoning (08) 9413 0093
writing to PO Box Z5263, St Georges Terrace, Perth WA 6831
or by speaking 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.
If you have any questions about this credit guide or anything else about our services, just ask at any time. We’re here to help you.
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