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FREE CHECK · ACCOUNT AND DOCUMENT STAGE

Check the Stage of Your Car or Home Payment Risk

Worried about car or bond payments? Choose the instalment and latest notice to see your likely stage and documents to check.

A man pointing to an open notebook while a woman writes at a wooden kitchen table, with a calculator, loose paper and a closed burgundy folder beside them.

BEGIN WITH YOUR CURRENT RECORDS

Check your stage

Select car finance, home loan or other credit; missed instalments; and the most advanced notice or contact.

Credit agreement

Current statement and payment proof

Find your payment or document stage

Your selections stay on this page until you choose assistance. They are carried into the enquiry form for you to check; nothing is submitted until you send it. This tool does not verify your documents or provide a legal opinion.

Choose guidance directly

A selection cannot confirm a legal stage or predict repossession. Check the actual notices and court orders. Formal notices and court papers need their own guidance even if payments are current.

Your next step

Your result identifies possible arrears, collection, formal notice, court or enforcement stages and links to the matching guidance. Read it with your statement and notices beside you. Court or enforcement papers require prompt independent legal advice.

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