Cash Stop Financial Services Pty Ltd is the holder of an Australian credit licence pursuant to the National Consumer Credit Protection Act 2009 (Cth) (NCCPA) and is authorised to provide certain consumer credit activities to you.
|Our full name
Cash Stop Financial Services Pty Ltd ABN 66 091 194 786
4/25 Prowse Street, West Perth WA 6005
(08) 9420 1401
|Australian credit licence number
|Internal Complaints Officer contact details
|External Dispute Resolution Scheme contact details
Australian Financial Complaints Authority (AFCA)
Our obligations before providing credit to you
Under the NCCPA, we must not enter into a credit contract with you or increase the credit limit of a credit contract with you, if the contract is unsuitable for you.
The contract will be unsuitable for you if, at the time the contract is entered into or the credit limit is increased:
it is likely that you will be unable to comply with your financial obligations under the contract, or could only comply with substantial hardship; or
the contract does not meet your requirements or objectives.
We must make an assessment whether the contract will be unsuitable for your before entering into a credit contract with you or increasing the limit of an existing credit contract.
To decide this, we will need to ask you some questions in order to assess whether the contract or credit limit increase 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; and
make reasonable inquiries about the maximum credit limit you require.
You can request a copy of our assessment. We must give you a copy (at no charge to you):
before entering the credit contract or before the credit limit is increased, if you make the request before then;
within 7 business days, if your request is made within 2 years of entering into the contract or the credit limit increase; and
otherwise, within 21 business days
We do not need to give you a copy of the assessment if your request is made more than 7 years after entering into the contract or the credit contract is not entered into or the credit limit is not 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) 9420 1401
website: Completing our feedback form at www.cashstop.com.au
writing to: c/o Complaints Officer, 4/25 Prowse Street, West Perth WA 6005
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 avoid any unnecessary and inappropriate escalation of minor complaints.
If we do not reach agreement on your complaint, you may refer the complaint to an ASIC Approved External Dispute Resolution Scheme. Our external dispute resolution provider is the AFCA. Their contact details are:
telephoning: 1800 931 678
writing to: GPO box 3, Melbourne VIC 3001
If you have any questions about this credit guide or anything else about our services, just ask at any time. We are here to help you.