Document ID: chunk:federal_register_of_legislation:F2024C00882:schedule:1:p23
Version: federal_register_of_legislation:F2024C00882
Segment Type: schedule
Provision Reference: sch 1 (pt 23/40)
Character Range: 449321–452038

request or fail to respond.
  THE AFCA SCHEME IS A FREE SERVICE ESTABLISHED TO PROVIDE YOU WITH AN INDEPENDENT MECHANISM TO RESOLVE SPECIFIC COMPLAINTS.
  If we fail to respond, we may have breached our obligation to you. You can contact ASIC on 1300 300 630 or through ASIC's website at http://www.asic.gov.au.
  Alternatively, if we refuse, you can ask a court to make changes to your contract.
  You can also ask a court to delay enforcement action against you. You may wish to get legal advice, for example from a community legal centre or Legal Aid, on how to go about this.
  There are other people, such as financial counsellors, who may be able to help.

   * You can find out what the relevant threshold is by contacting us or referring to ASIC's website at http:// www.asic.gov.au or contacting ASIC on 1300 300 630.

Form 12A—Information about debtor's rights after default

      paragraphs 88(3)(f) and (g) of the Code
      regulation 86 of the Regulations

IMPORTANT
You are in default of your credit contract because you have not made a payment [alternative wording can be used if the default is not the result of failing to make a payment].

      YOU NEED TO CONTACT US IMMEDIATELY

        1. Are you in financial hardship? 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 your repayments). The sooner you contact us, the easier it will be to help you.

        If you do nothing before [insert default notice period end date], we can commence enforcement action against you.

        If we refuse to change your contract, we will notify you in writing and you can seek a review of our decision by going to the AFCA scheme by [insert contact details and method(s) for lodging complaints].

        If you go to the AFCA scheme, you may have enforcement action put on hold while your complaint is considered. You are not bound by the decision that the AFCA scheme makes and you can still apply to a court if you are not satisfied.

        THE AFCA SCHEME IS A FREE AND INDEPENDENT SERVICE TO RESOLVE COMPLAINTS.

        2. If you are having financial difficulties you can also contact a financial counsellor on 1800 007 007 (free call)

      For information about your options for managing your debts, ring 1 800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.

      3. Your other rights

      You have other rights, including the right to ask us to postpone any enforcement action before [insert default