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If you decide to use or rely on the information or make decisions based on the information in this website (which VLA does not recommend) VLA is not liable to you or any third party in any way for any loss, damage, costs or expenses you or they may suffer or incur as a result.

Forms for consumer credit

Forms for Consumer credit.

Making a complaint

Australian Financial Complaints Authority

This is the external dispute resolution service that all credit providers must have membership of. They can assist borrowers who have a complaint, provided the borrower has tried to resolve their complaint directly with the lender first.

See AFCA—Make a complaint(opens in a new window)

Australian Securities and Investments Commission (ASIC)

The ASIC website has links to consumer credit forms that are prescribed in the Schedule 1 of the National Consumer Credit Protection Regulations 2010.

See particularly:

  • Form 3—infringement notice
  • Form 4—prescribed terms and conditions of a mortgage
  • Form 5—information statement (an explanation about rights and obligations under a credit contract)
  • Form 6—disclosure about credit contracts (information that must be given before a contract is signed) when the document that is signed by the debtor is an offer
  • Form 7—information that must be disclosed in circumstances where the debtor is accepting an offer by signing a document
  • Form 8—disclosure about guarantee
  • Form 11—direct debit default notice (information to be sent when a direct debit has been dishonoured)
  • Form 12—information about a debtor's rights after default
  • Form 13—consent to enter premises
  • Form 17—information statement for a person who is about to enter a consumer lease.

See ASIC—Schedule 1 Forms—National Consumer Credit Protection Regulations 2010 (Cth)(opens in a new window).

National Consumer Credit Protection Regulations 2010 (Cth)

  • Schedule 1—sets out the forms

See also National Consumer Credit Protection Regulations 2010 (Cth)(opens in a new window).