Part of our obligations as a licensed credit provider are to provide you with a Credit Guide when you are likely to enter into a credit contract with us. Included in this guide is information Installment Loans, Breezy Loans Pty Ltd and our obligations as a responsible lender, dispute resolution processes.
To comply with the National Consumer Credit Protection (NCCP) Act we must not offer credit to you or increase your credit limit if the contract is not suitable for you. Credit contracts are deemed as unsuitable if at the time of application:
Your suitability will be assessed before you enter in a new credit contract or increase the limit of an existing one. If any of these parties should request this Acknowledgement and Consent before providing information, I consent for this to be provided to them.We must provide a copy our assessment to you on request at no charge:
Breezy Loans Pty Ltd provide our customers with readily accessible, free internal and external dispute resolution processes.
Disputes arise when you complain to Breezy Loans Pty Ltd regarding a service or product are dissatisfied with the response, we give you.
The first step is to contact our Internal Dispute Resolution team in writing detailing your dispute. To ensure the fastest possible turnaround times, please provide us with as much information as possible.
To access internal dispute resolution please contact our IDR Officer with the details of your dispute. This can be done via mail, email, fax or on our website.
You will be notified in writing of the outcome of your dispute and the reasons for this outcome by the IDR officer. If you are unhappy with the outcome you can utilise our external dispute resolution scheme at no charge.
You do not have any obligations to pursue disputes with Breezy Loans Pty Ltd using their internal dispute resolution procedures.
You may commence legal proceedings at the same time as you are utilising the internal dispute resolution procedure.
Breezy Loans Pty Ltd IDR procedure does not waive any of your legal rights according to the law or any contract between you and Breezy Loans Pty Ltd. Contracts may include but are not limited to: loan contracts, guarantees, terms and conditions of account(s).
This is a free service established to provide you an independent external body to resolve specific complaints.
Firstly, you need to attempt to resolve your complaint with us via our IDR service.
1. Your complaint is unresolved after seeking internal resolution; or
2. If you need legal advice.
They will take legal principles, industry codes, good industry practice and relevant determinations of previous similar cases by the AFCA or their predecessors. Their contact details are below:
If you need more information regarding AFCA and their Terms of Reference visit their office or website.
If you need more information about the services offered by Breezy Loans or this guide, please contact us using the details below:
By accepting these terms and conditions you give consent for Breezy Loans Pty Ltd and Installment Loans to disclose your name, residential address and date of birth to a credit reporting agency and ask the credit reporting agency to provide an assessment of whether the personal information so provided matches (in whole or in part) personal information contained in a credit information file in the possession or control of the credit reporting agency to assist in verifying your identity for the purposes of the Anti-Money Laundering and Counter-Terrorism Act 2006.The credit reporting agency may prepare andprovide Breezy Loans Pty Ltd with such an assessment and may use your personal information including the names, residential addresses and dates of birth contained in credit information files of you and other individuals for the purposes of preparing such an assessment. If you disagree withhaving your identity verified by a credit reporting agency, please select another data source or contact Breezy Loans Pty Ltd so that we can discuss other options with you.