Your Rights and Disputing a Debt

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Your rights

The Australian Competition and Consumer Commission (ACCC) and the Australian Securities and Investments Commission (ASIC) enforce Commonwealth consumer protection laws, including laws relevant to debt collection.

Under consumer protection laws, debtors are legally responsible for paying the debts they legitimately owe however debtors also have the right to be protected from certain behaviours from creditors and debt collectors. Debtors have the right to:

  • Not be discriminated against
  • Have your privacy protected
  • Get help
  • Question the debt

Please refer to the ACCC and ASIC “Debt collection guideline for collectors & creditors” for further information.

Each State also has useful resources:

Disputing a debt

If you doubt that you owe a debt, or that the amount owed is not accurate, your best option is to contact us as soon as possible on 1800 724 457.

Making A Complaint

We are committed to providing a high level of service. However, there may be times where you
may feel that this is not the case. We have a process to help resolve those disputes if you have a
complaint. The effective handling of complaints and resolution of disputes is a key means of
ensuring that the products and services offered by us are provided efficiently, honestly and
If you are unhappy with a product or service we provide, or the way we handle personal
information about you we’d like to hear about it. You can do so by writing, calling or emailing us
with your complaint on: or call on 1800 724 457.