Understand Your Credit Agreement Before You Act
Unsure what your loan or credit contract really costs? Check the quotation, signed agreement, instalments, fees and insurance against your statements. We help identify points worth questioning.
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THE TERMS WITHIN YOUR AGREEMENT
- Interest
- Fees
- Insurance
- Repayment terms
- Default provisions
- Other important obligations
PREPARE THE FACTUAL FILE
What to bring
Bring the signed contract, quotation, recent statement, insurance schedule and any revised terms.
- Signed agreement
- Pre-agreement statement / quotation
- Latest statement
- Related insurance schedule
- Amendments
READ THE AGREEMENT IN CONTEXT
What the assessment can cover
Check loan amount, interest, fees, insurance, instalments, dates and disclosed total credit cost.
- Credit product
- Principal debt
- Instalment structure
- Disclosed costs
- Insurance
- Repayment dates
- Clauses relevant to the consumer’s concern
What happens if a legal validity dispute arises
We can organise the documents and refer legal disputes to independent affiliate attorneys, who act only on instruction and acceptance.
CLARITY BEFORE YOUR NEXT DECISION
Common questions about this NCA issue
Can ConsumerLaws cancel a credit agreement?
No. A consultancy assessment can identify issues and explain possible routes, but cancellation or other legal remedies depend on the agreement, facts and applicable process.
Should I sign a revised agreement I do not understand?
Do not sign documents you do not understand. Ask for plain-language clarification and, where legal rights are materially affected, obtain independent legal advice.
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