Subsection 175 (1) of the Code Regulation 105 of the Regulations
Things you should know about your consumer lease
This statement tells you about some of the rights and obligations of yourself and Make It Mine Finance PTY LTD. It does not state the terms and conditions of your lease.
If you have any concerns about your contract, contact the Make It Mine Finance Pty Ltd and, if you still have concerns, Make It Mine Finance Pty Ltd.'s external dispute resolution scheme, the Australian Financial Complaints Authority or get legal advice.
Lessor must give you a copy of your consumer lease with this statement. Both documents must be given to you within 14 days after the lessor enters into the consumer lease, unless you already have a copy of the consumer lease.
If you want another copy of your lease write to Make It Mine and ask for one. Your lessor may charge you a fee. Your lessor has to give you a copy —
You should read your lease carefully.
Your lease should tell you about your obligations, and include information on matters such as —
This information only has to be included in your lease if it is possible to give it at the relevant times.
If your lease does not tell you all these details, contact your credit provider’s external dispute resolution scheme, or get legal advice, for example from a community legal centre or Legal Aid, as you may have rights against your lessor.
Yes. Simply return the goods to your lessor. The goods may be returned in ordinary business hours or at any other time you and the lessor agree on or the court decides.
The amount the lease says you have to pay.
If you have made rental payments in advance then it is possible that your lessor might owe you money if you return the goods early.
Yes, but only if your lease says so.
Yes. You should talk to your lessor. Discuss the matter and see if you can come to some arrangement.
If that is not successful, you may contact your credit provider’s external dispute resolution scheme.
EXTERNAL DISPUTE RESOLUTION IS A FREE SERVICE ESTABLISHED TO PROVIDE YOU WITH AN INDEPENDENT MECHANISM TO RESOLVE SPECIFIC COMPLAINTS. YOUR CREDIT PROVIDER'S EXTERNAL DISPUTE RESOLUTION PROVIDER IS Australian Financial Complaints Authority AND CAN BE CONTACTED ON 1800 931 678 OR at Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001 OR www.afca.org.au
Alternatively, you can go to court. You may also wish to get legal advice, for example from a community legal centre or Legal Aid, and/or make a complaint to ASIC. ASIC can be contacted on 1300 300 630 or through ASIC’s website at www.asic.gov.au.
Yes. You have 7 days after receiving your lessor’s request to tell your lessor. If you do not have the goods you must give your lessor all the information you have so they can be traced.
Your lessor can only do so if it has the court’s approval or the written consent of the occupier which is given after the occupier is informed in writing of the relevant section in the National Credit Code.
Get in touch with Make It Mine Finance Pty Ltd immediately. Discuss the matter and see if you can come to some arrangement. You can ask Make It Mine Finance Pty Ltd to change your contract in a number of ways:
If the lessor refuses your request to change the rental payments, you can ask your lessor to review this decision if you think it is wrong.
If the lessor still refuses your request, you can complain to the external dispute resolution scheme that your lessor belongs to. Further details about this scheme are set out below in question 12.
Yes, if you are in default under your lease. But the law says that you can not be unduly harassed or threatened for rental payments. If you think you are being unduly harassed or threatened, contact your credit provider’s external dispute resolution scheme or ASIC, or get legal advice.
Yes. The law will give you other rights and obligations. You should also read your lease carefully.
IF YOU HAVE ANY COMPLAINTS ABOUT YOUR CREDIT CONTRACT, OR WANT MORE INFORMATION, CONTACT Make It Mine Finance PTY LTD. YOU MUST ATTEMPT TO RESOLVE YOUR COMPLAINT WITH Make It Mine Finance PTY LTD BEFORE CONTACTING Make It Mine Finance PTY LTD'S EXTERNAL DISPUTE RESOLUTION SCHEME. IF YOU HAVE A COMPLAINT WHICH REMAINS UNRESOLVED AFTER SPEAKING TO Make It Mine Finance PTY LTD YOU CAN CONTACT Make It Mine Finance PTY LTD'S EXTERNAL DISPUTE RESOLUTION SCHEME OR GET LEGAL ADVICE.
PLEASE KEEP THIS INFORMATION STATEMENT. YOU MAY WANT SOME INFORMATION FROM IT AT A LATER DATE.