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IPF Digital Australia Pty Ltd
388 George Street,
Sydney, NSW 2000
Australia
Phone: 1300 293 000
ABN 59 130 894 405
Australian Credit Licence number 422 839
1.1 Who we are
IPF Digital Australia Pty Ltd (ABN 59 130 894 405) (IPF Digital) trading as Credit24, Australian Credit Licence number 422 839. In this credit guide, the words “we”, “our” and “us” refers to IPF Digital. IPF Digital is the Australian ubsidiary of International Personal Finance plc.
This credit guide provides important information about us; our obligations as a credit provider; and how you can access our dispute resolution procedures.
1.2 Contacting us
You can contact us by telephone or email, using the details below:
Phone: 1300 293 000 (Monday to Friday 8am – 8pm, Saturday 9am – 5pm)
Email: info@credit24.com.au
1.3 IPF Digital’s obligation to lend responsibly
IPF Digital is a responsible lender, committed to responsible lending conduct. Prior to entering a credit contract we are required by law to:
make reasonable inquiries about your requirements and objectives in relation to the credit contract
make reasonable inquiries about your financial situation
take reasonable steps to verify the information you provide regarding your financial situation, and
make an assessment on whether the credit contract is unsuitable for you.
Credit Reporting
Credit24 participates in comprehensive credit reporting and may share information with the credit reporting bodies listed in our Privacy and Credit Reporting Policy which is publicly available on our website. When creating a customer account we may obtain information about you from a credit reporting body to
– verify your identity;
– obtain a credit report.
Credit24 participates in comprehensive credit reporting. For further information see the Credit24 Privacy and Credit Reporting Policy.
The Privacy Act permits us to obtain information about you from a credit reporting body if it is relation to an application for credit.
1.4 Debt consolidation considerations
If you are using any part of this loan to pay off or reduce existing loan(s)/debts (including combining these into a single loan), it is important to consider the following:
Consolidating your loans usually involves taking out a single loan that pays off your existing debts. This can give you a chance to manage your debt in a simpler way by paying the loan off with a single monthly payment that can be less than the amount you are paying each month now.
Spreading your payments over a longer term means you can reduce the monthly repayment amount but you could end up paying more overall than under your existing arrangements.
You should also consider if any early repayment charges apply to your existing loans and if this form of borrowing is appropriate for your circumstances. If you don’t want to pay these fees, you may prefer to just keep your debts separate.
If you do consolidate your debt, just make sure you don’t borrow more until you’re sure you can afford it.
Credit24 is required by law to act responsibly and Credit24 will rely upon the information you provide about your existing loans and on your undertaking to pay them out from the loan funds provided by Credit24, in considering the suitability and the affordability of the Credit24 loan.
1.5 Concerns and complaints
We are devoted to achieve the best service for our customers. If you have a complaint regarding a credit contract with us or if you have a suggestion for ongoing improvements to our service, please contact us.
If there are any concerns or complaints related to your loan account or the service we have given you, please contact the Credit24 Customer Service Team to inform them of your complaint
Credit24 Contact Details:
Phone: 1300 293 000 (Monday to Friday 8am – 8pm AEST)
Email: letstalk@credit24.com.au
Complaints received by IPF Digital will be acknowledged immediately or as soon as practicable. We will make our best attempt to provide a final response to your complaint within a maximum of 30 days of receiving your complaint.
- External dispute resolution
If you are not satisfied with our complaint decision, you have a right to lodge a complaint with the Australian Financial Complaints Authority (AFCA) of which we are a member.
Website: www.afca.org.au
Email: info@afca.org.au
Telephone: 1800 931 678 (free call)
In Writing: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
- Compliments, Suggestions and Feedback
We value all customer feedback and suggestions on how we can improve our products and services. Please contact us at:
Phone: 1300 293 000 (Monday to Friday 8am – 8pm AEST)
Email: info@credit24.com.au