Internal Dispute Resolutions

Internal Dispute Resolution Procedures

We aim to provide the very best service for our clients. In the event that you are unhappy regarding any part of our service, our internal dispute resolution process provides that your complaint will be handled efficiently, honestly and fairly.

Michele Mansfield (Credit Representative number 399836), Alisha Perry (Credit Representative number 502031), and Cassandra Newbold (Credit Representative number 528976) are authorised as credit representatives to engage in credit activities on behalf of Buyers Choice Licencing Pty Ltd (Australian Credit License No. 509484) who may assist us in the investigation and resolution of your complaint.

Should you have a complaint about our services, please contact:

Michele Mansfield Complaints Officer:
Michele Mansfield
Address: 6/296 Bay Road, Cheltenham VIC 3187
Phone: 03 8372 0775

Buyers Choice Licencing Pty Ltd Complaints Officers:
Complaints Officers
Address: 1/1 International Court Scoresby VIC 3179
Phone: 03 9763 6355
Fax: 03 9763 8655

The Complaints Officers are senior personnel in our organisation and in Buyers Choice Licencing Pty Ltd and have the necessary experience and authority to handle your complaint and make relevant decisions on outcomes.

The complaint need not be in writing and may be presented by any reasonable means, for example letter, telephone, email or in person. Please ensure you give us full particulars of your complaint.

If you are not satisfied with the response to your complaint, you may contact the Australian Financial Complaints Authority (AFCA) (of which we and Buyers Choice Licencing Pty Ltd are members) on:

Phone: 1800 931 678
Mail: GPO Box 3 Melbourne VIC 3001

If the complaint is about privacy and you are not satisfied with the outcome of our investigations, you may ask the Office of the Australia Information Commissioner to consider the complaint. The Information Commissioner can be contacted online at or on 1300 363 992

All staff and consultants who deal with (or are likely to deal with) clients, are aware of the names, titles and telephone numbers of our and BLSSA Pty Ltd’s Complaints Officers.

Each staff member and consultant is also instructed in how to transfer a client who has a complaint to our Complaints Officer or BLSSA Pty Ltd’s Complaints Officer; and what client details to record if the Complaints Officers are for any reason unavailable (this information will include a minimum of the name, telephone number, and description of the product or transaction to which the complaint relates). We and BLSSA Pty Ltd do not to charge any fee in respect to any complaint.
We will provide a written acknowledgement of receipt of the complaint to the client as soon as possible, unless the complaint is otherwise resolved in the meantime.

We will ensure that a final response is given to you as soon as possible, but within twenty one (21), thirty (30) or forty five (45) days of receipt of the complaint.

If we or BLSSA Pty Ltd are unable to deal with the complaint as it relates to a third party (for example, a lender), we or BLSSA Pty Ltd may ask you to contact the relevant third party.

For certain types of complaints, involving “default notices” or urgent disputes such as “applications for hardship”, a final response must be provided within twenty one (21) days.

For privacy complaints, we are required to give you a final response within thirty (30) days.

Final responses to complaints not involving financial hardship or privacy issues should be received by you within forty five (45) days.

If we cannot respond to you within relevant timeframes, we will inform you of the reasons for the delay and of your right to refer the complaint to the Credit and Investments Ombudsman or, in the case of privacy complaints, to the Australian Information Commissioner.

We will have provided a final response to you if we:

(a) Accept the complaint and, if appropriate, offer redress, or
(b) Offer redress without accepting the complaint; or
(c) Reject the complaint.
We will give the complainant a written response to their complaint and the reasons for reaching a particular decision on the complaint. We will adequately address the issues that are raised in the complaint.

Where practicable, our response will refer to applicable provisions in legislation, Codes, Standards or Procedures.

We will inform you of the contact particulars of our EDR Scheme and, for privacy complaints, the Australia Information Commissioner if you are not satisfied with the outcome of our investigating the complaint.
If we accept the complaint and are of the view that it is appropriate to offer redress to the complainant, that redress may be non-financial as well as, or instead of, financial. If we consider that a financial remedy is appropriate then we will provide compensation for any direct loss or damage caused.

We will, when determining the appropriate remedy, take into consideration the extent of loss or damage suffered by the complainant, relevant legal principles, EDR scheme rules, the MFAA Code of Practice and other relevant codes of conduct and concepts of fairness and relevant industry best practice.
We will keep data concerning the complaint in such form and manner as we think fit and will enable analysis according to:

(a) Type of complaint;
(b) Subject of complaint;
(c) Outcome of complaint;
(d) Timeliness of response.

So that we can identify any systematically recurring problems, we will classify complaints accordingly.

Subject to legal constraints including constraints as to privacy, we will make available data collected in respect of the complaint upon request to our EDR and the Australian Securities and Investments Commission.
We will review our Internal Dispute Resolution Procedures at least every three (3) years to ensure that our complaints systems are operating effectively. This document was reviewed on 21st September 2019

Attachment A – Feedback Form

Please indicate if you are making a:

Is your feedback in relation to a:
EquityVision Pty Ltd Loan Consultant
EquityVision Pty Ltd Policy or Procedure

If your feedback involves a Staff Member or Loan Consultant, please provide their name:

Please detail your feedback or complaint: (If there is insufficient space, please attach additional pages):

What is the outcome you seek:

Have you raised this issue with a Staff Member previously?
Yes – if so, please provide details:

Your Name:
Your Daytime Phone Number:
Your Email Address:
Your Postal Address:

Thank you for taking the time to provide your feedback. We undertake to contact you (on the basis that you have provided your contact details) within 24 hours of receiving your completed form.