(Credit Assistance Provider)
NMFG Pty Ltd
ABN 32 113 877 884
Trading as nmoni
G.10, 7 Ormond Blvd,
BUNDOORA VIC 3083
Phone: 03 9468 8200
Australian credit licence number: 392616
Under the National Consumer Credit Protection Act 2009, we are required to give you a Credit Guide which provides you with some information relevant to the service we intend to provide to you. That information is the following:-
1. Information about fees and charges payable by you to us.
If we are successful in introducing you to a lender which will provide you with a credit contract acceptable to you, we will charge you a fee starting at 8% to a maximum of 15% + GST of the net amount borrowed capped at a maximum of $990.00 (GST inclusive). This amount will only be payable by you if the loan was approved and will then be incorporated and paid out from your loan proceeds. The fee payable will be separately disclosed to you in our Credit Proposal that will be provided prior to proceeding.
2. Our main providers with which we conduct business.
Some of our main providers are: –
3. Commissions likely to be received.
We will receive a commission from the credit providers if you take out a loan with them (in addition to the amount payable by you set out in paragraph 1 above). The amount of the commission varies between the lenders and is usually calculated as a percentage amount. These amounts are paid to us by the lender and are not payable by you. We may provide these amounts on the Credit Proposal.
Process for resolving disputes.
If you have a complaint or a dispute with us, please first refer the matter to our complaints officer who will deal with the matter in accordance with our internal dispute resolution procedure. A copy of our written dispute resolution procedure is available on request. Our complaints officer may be contacted as follows:-
G.10, 7 Ormond Blvd,
If you consider that our complaints officer does not resolve the dispute, you may contact our independent external dispute resolution scheme which is:-
Australian Financial Complaints Authority ( AFCA)
GPO Box 3, Melbourne VIC 3001
1800 931 678 ( free call)
4. Obtaining a copy of the preliminary assessment.
If we make a preliminary assessment and you request us for a copy of the preliminary assessment within seven years of the date of the quote, we must give you a written copy of the preliminary assessment within 21 days.
5. Responsible Lending Obligations.
We are not permitted by law to provide you with a service in relation to a loan which is unsuitable. The National Consumer Credit Protection Act prohibits us from providing assistance to you in certain circumstances. They include where:-
We are also required to take reasonable steps to verify your financial situation.
6. Further information