Credit Guide

We are required to give you this guide by law. It acknowledges your right to ask us about any assessment we may make, our financial services and where appropriate, the recommendation of using one credit product over another. In the unlikely event you may be dissatisfied with what we do or have done, this guide also provides direction on what you need to do to remedy your dissatisfaction.

Credit suitability and assessment

Before we can recommend any financial product to you, the law requires that we make an assessment of your current financial situation and objectives to ensure any credit product we may offer meets your needs. To do this, we will make reasonable enquiries and ask you to provide verifiable information directly or, where we deem it appropriate, we may obtain it from others whom we may contact. Some of these steps may be required by law.

Please note we will not allow you to enter into a credit contract or increase a credit limit on any existing credit contract if:

(a) it is likely you could not fulfil, or only do so with substantial hardship, your financial obligations to us under the contract; or

(b) you could only meet your financial obligations to us by selling your family's main home; or

(d) any regulation under the National Consumer Credit Protection Act 2009 (Cth) prohibits us from doing so.

Assessment copy

Should you want a written copy of our assessment, free of any charge, you may ask us to provide it:

(a) before you either enter into a credit contract or we increase your credit limit on any existing credit contract you may have with us; or

(b) at any time up to seven (7) years from the date you signed the contract or obtained the credit limit increase on a particular credit contract with us.

The law imposes time limits on us giving you this information. We have seven (7) business days from when you make your request to supply it if your enquiry is made within two (2) years of the date you entered into the credit contract, otherwise we have twenty-one (21) business days to do so. If we have bought your debt from your original credit provider, we have an additional eight (8) and four (4) days to comply.

Note: We are not obliged to give you a copy of the assessment where we do not provide you with the credit or increase the credit limit.

Complaints

If you have a complaint about your lease, hire purchase, credit guide, or any dealing with Leasie, contact us.

How to lodge

Email contact@leasie.com.au
Internal Dispute Resolution: complaints@motionmoney.com.au
Write to Motion Money Pty Ltd t/as Leasie, PO Box 3068, Newmarket QLD 4051

Tell us if you need an interpreter or other help to lodge.

What happens next

We will acknowledge receipt of your complaint as soon as we receive it.

We will give you our IDR response within the time the law requires. That is generally 30 calendar days, or 21 calendar days if your complaint is about a hardship decision or a default notice.

If we cannot meet that time, we will notify you on your preferred contact method before the time runs out. That notice will explain why, and will remind you of your right to contact AFCA.

If you are not satisfied

Australian Financial Complaints Authority

AFCA 71231

1800 931 678 · info@afca.org.au · GPO Box 3, Melbourne VIC 3001 · afca.org.au

Please give us the opportunity to rectify the problem first before contacting AFCA.