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These pages describes the sorts of complaints AFCA can think about about credit

The Australian Financial Complaints Authority (AFCA) can think about a grievance you have got of a credit, finance or loan item you have got together with your economic company.

There are numerous things we can’t think about; as an example – if your problem has to do with the degree of an overdrawn cost or rate of interest enhance. But, we might have the ability to look at a grievance about a charge or fee if it was wrongly determined or placed on your account. There are additionally some exclusions that are specific relate to credit complaints.

Detailed information regarding these different sorts of credit, finance and loan items can be acquired to assist you determine if you wish to grumble to us.

Small company?

If you’re a business that is small there was certain details about company credit and loans from the Information for smaller businesses page.

Overview

Credit and finance consist of:

  • charge cards, overdrafts and personal lines of credit
  • an organisation providing you with credit relating to the purchase of products, or perhaps the method of getting services payment that is which will be deferred for at the least 7 days
  • short-term finance such as for example payday financing.
  • mortgage loans, including mortgages that are reverse
  • unsecured loans such as for instance automobile, vacation loans and debt consolidating loans
  • investment and small company loans.

We also consider complaints about guarantees.

Detailed information on these different sorts of credit, loan and finance items is after to assist you determine should you want to grumble to us.

Your economic company is necessary to suspend any collection or data recovery action as soon as your problem was registered with us. In the event that you get any debt collection letters or telephone calls from your own monetary firm, report this to your economic firm’s dispute resolution team that is internal. Continue reading