Credit Guide

This Credit Guide is provided to you by ListSure Retail Finance Pty Ltd ACN 655 912 977 (ListSure) of level 4, 99 Bathurst Street NSW 2000. We hold an Australian Credit License (number 536827) and are licensed to undertake all credit activities as a credit provider under the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act).

 

How you can contact us

To contact us, you can:

 

Suitability Assessment

Under the NCCP Act, we are obliged to ensure that any credit product or any limit increase we arrange is not unsuitable for you. To help us make sure we don’t offer you something that is unsuitable, we will ask you some questions so we can make a credit assessment:

  • details of your financial situation; and

  • information about your requirements and objectives.

We must find a credit product or limit increase unsuitable for you if:

  • it is likely that you will be unable to meet your financial commitments under the contract without substantial hardship; or

  • the contract will not meet your requirements and objectives.

It is therefore very important that the information you provide us is accurate. Even if we recommend any credit product to you, it is important that you consider whether the product will be right for you and whether you are comfortable that you will be able to meet your commitments under the contract.

If we assist you into a credit contract or limit increase you can ask us for a copy of your credit assessment.

If you ask us within seven (7) years of the date of the loan contract or credit limit increase, we must provide you with a written copy of our credit assessment of your application. We are only required to give you a copy of the credit assessment if a loan contract is entered into or the credit limit is increased.

 

What to do if you are unhappy with us, or our products or services

If you are unhappy with ListSure or our services, please let us know:

 

How we handle disputes 

Where possible, we will try to resolve any concerns you raise immediately. However, sometimes we are unable to do this because there are complicated circumstances to investigate, which may include speaking with other parties. In these cases the process can take longer. We will let you know who is handling your dispute and how you can contact them.

If we can’t satisfy your concerns, you can contact the Australian Financial Complaints Authority (AFCA), a free and independent dispute resolution service. You can contact FOS direct at:

  •  www.afca.org.au

  • 1800 931 678

  • GPO Box 3, Melbourne VIC, 3001