Document ID: chunk:federal_register_of_legislation:F2024C00882:schedule:1:p36
Version: federal_register_of_legislation:F2024C00882
Segment Type: schedule
Provision Reference: sch 1 (pt 36/40)
Character Range: 471516–474217

your lease in a number of ways—
           * to extend the term of your lease and reduce rental payments; or
           * to extend the term of your lease and delay rental payments for a set time; or
           * to delay rental payments for a set time.

 10 What if my lessor and I can not agree on a suitable arrangement?
  If the lessor refuses your request to change the rental payments, you can ask your lessor to review this decision if you think it is wrong.
  If the lessor still refuses your request, you can complain to the AFCA scheme. Further details about this scheme are set out below in question 12.

 11 Can my lessor take action against me?
  Yes, if you are in default under your lease. But the law says that you can not be unduly harassed or threatened for rental payments. If you think you are being unduly harassed or threatened, contact the AFCA scheme or ASIC, or get legal advice.

 12 Do I have any other rights and obligations?
  Yes. The law will give you other rights and obligations. You should also READ YOUR LEASE carefully.
  IF YOU HAVE ANY DOUBTS, OR WANT MORE INFORMATION, CONTACT YOUR CREDIT PROVIDER. YOU MUST ATTEMPT TO RESOLVE YOUR COMPLAINT WITH YOUR CREDIT PROVIDER BEFORE CONTACTING THE AFCA SCHEME. IF YOU HAVE A COMPLAINT WHICH REMAINS UNRESOLVED AFTER SPEAKING TO YOUR CREDIT PROVIDER YOU CAN CONTACT THE AFCA SCHEME OR GET LEGAL ADVICE.
  PLEASE KEEP THIS INFORMATION STATEMENT. YOU MAY WANT SOME INFORMATION FROM IT AT A LATER DATE.

Form 18—Direct debit default notice

       subsection 179C(2) of the Code
       regulation 105J of the Regulations

IMPORTANT
We have not received a payment because your arrangements to pay by direct debit have been dishonoured.

      YOU NEED TO CONTACT US IMMEDIATELY

        1. Is there a reason why your direct debit arrangements have failed?

        There may be reasons why your direct debit may fail, and you may wish to check with your bank or financial institution. If you need to change your direct debit arrangements contact us at [insert telephone number or email address for dealing with variations to direct debit arrangements].

        If you continue to fail to make the payments due under your consumer lease, we may take action against you.

        2. Are you experiencing financial difficulty? Contact us immediately

        Contact us* [insert telephone number or email address for dealing with financial hardship applications] to discuss your situation. We may be able to help you to repay your debt by agreeing to vary your contract (for example, changing the amount or timing of the rental payments). The sooner you contact us, the easier it will be to help you.

        If we refuse