Complaints - Draft | LadyBird HomeLoans

Complaints and dispute resolution guide.

We do our best to provide a high level of service, but sometimes you may feel an issue has not been resolved to your satisfaction.

We have a free complaints and dispute resolution procedure that you can use.

What is a complaint?

A complaint is an expression of dissatisfaction made to us, related to our products, or the complaints handling process itself, where a response or resolution is expected.

What is a dispute?

A dispute arises where a customer does not accept our response to their complaint

Things you should know

If your complaint involves EFT transactions or privacy issues, the procedures may vary if the complaint is not immediately resolved. This is because more specific legislation or codes of practice may apply.

You are not obliged to pursue a dispute with us using our internal complaints and dispute resolution procedure. If you use the procedure, you may commence legal proceedings before, after or at the same time.

Our participation in the procedure is not a waiver of any rights we may have under the law, or under any contract between you and us, and this guide is not a contract between you and us.

Charge

There is no charge for this guide or for you using our internal or external complaints and dispute resolution procedure. However, our standard fees and charges may apply for making copies of documents or for retrieval of documents from archives, where requested by you.

How to make a complaint

In most cases your complaint can be settled to your satisfaction simply by making us aware of it. You can raise these complaints with our staff in person or by telephone or in writing by letter, fax, memo, e-mail etc.

If the staff member is unable by reasons of authority or experience to handle the matter they will refer your complaint to a more senior or experienced person.

At this stage, in most cases your complaint will be dealt with promptly and to your satisfaction and you will not need additional assistance.

Investigation

Your dispute will then be fully investigated by our complaints officer and a decision made on the matter. You can contact our complaints officer as follows:

Name : Cormac Hoch

Address : Suite 4, Level 3, 145 Sinnathamby Boulevard,
Springfield Central QLD 4300

Phone : 1300 523 924

Email : info@ladybirdhomeloans.com.au

Recording your complaint

All complaints and disputes will be recorded in our Complaints Register. Where a complaint cannot be resolved to your satisfaction immediately, you might have to answer some questions and complete a complaint form so that our management can properly investigate the complaint. If you need assistance completing the form, our staff can help you. When receiving a verbal complaint, the staff member will complete the details of the complaint in the register on your behalf. The staff member will then read the entry in the register to you and ask you to confirm that it is accurate.

External dispute resolution

If you are still not satisfied, you can go to our free external dispute resolution scheme. We are a member of the Australian Financial Complaints Authority Limited (AFCA). AFCA is an external dispute resolution scheme approved by ASIC.