FHG’S COMPLAINT MANAGEMENT AND DISPUTE RESOLUTION PROCESS
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.
WHAT TO DO IF YOU HAVE A DISPUTE OR COMPLAINT
Senior personnel in our organisation have the necessary experience and authority to handle your complaint and make relevant decisions on outcomes.
Your 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.
HOW TO MAKE A COMPLAINT AND THE COMPLAINTS PROCESS
If you have a complaint, we request you follow these steps:
- If your complaint is about your loan, in the first instance please contact your lender or credit assistance provider.
- If your complaint has not been resolved to your satisfaction within 5 business days or if your complaint is about the services we give you, please contact us:
Address: Level 1, 982 Wellington Street, West Perth 6005
Postal: PO BOX 1056 West Perth WA 6872
Phone: (08) 9430 6555
Fax: (08) 9430 6222
Complaints contact: firstname.lastname@example.org
There is a ‘Complaint Form’ on our website which you can download and use to detail your complaint in writing.
THIRD PARTY PRODUCTS OR SERVICES
If your complaint relates to a product or service acquired through a third party (for example, a lender) we may ask you to contact the relevant third party. They will deal with your complaint under their complaints resolution process.
If you are not satisfied with the resolution of your complaint by the third party under their complaints resolution process, you are entitled to have your dispute considered by their External Dispute Resolution Scheme. Please contact the third party for further details.
KEEPING YOU INFORMED
Our Complaints Area will acknowledge receipt of your complaint within five business days. If unable to resolve the complaint/dispute to your satisfaction within five business days, they will write to you advising the procedures we will follow in investigating and handling your complaint.
Within 45 calendar days from the date you lodged the complaint with us, we will write to you advising you the outcome of the investigation and the reason/s for our decision, or if required, we will inform you if more time is needed to complete the investigation.
STILL NOT SATISFIED?
If you do not think we have resolved your complaint to your satisfaction, you may take the matter – free of charge – to the relevant External Disputes Resolution Scheme (provided it is within the scheme’s terms of reference) as detailed below. You may also refer the matter to the relevant External Disputes Resolution Scheme at any time, but if our internal process is still in progress, they may request that our internal processes be completed before considering the matter further.
Our external dispute resolution service provider is the Australian Financial Complaints Authority, or AFCA. AFCA provides fair and independent financial services complaint resolution that is free to consumers.
If the complaint is about privacy and you are not satisfied with the outcome of our investigations, you may ask the Office of the Australian Information Commissioner to consider the complaint. The Information Commissioner can be contacted online at http://www.oaic.gov.au/privacy/making-a-privacy-complaint or on 1300 363 992.