Our Dispute Resolution Procedures

Internal Dispute Resolution

If you are unhappy with our services, please contact us first by contacting our Complaints Manager on the following:

Vow Head Office (Complaints Manager)

Telephone: (02) 8226 8327
Email: complaints@vow.com.au
Post: PO Box H265, Australia Square, NSW 1215
Website: www.vow.com.au

We will endeavour to resolve your complaint quickly and fairly.

If your complaint has not been resolved to your satisfaction, you may contact the Australian Financial Complaints Authority (AFCA), which is an independent dispute resolution scheme for financial services complaints.
For complaints, you can contact:

Australian Financial Complaints Authority (AFCA)

Telephone: 1800 931 678
Email: info@afca.org.au
Post: GPO Box 3, Melbourne, VIC, 3001
Website: www.afca.org.au

Things you should know

You should ensure that you have approved finance, in writing from the lender, before entering a binding contract to purchase.

It is important you understand your legal obligations under the loan, and the financial consequences. If you have any concerns, you should obtain independent legal and financial advice before you enter into a loan contract.

We do not make any promises about the value or future prospects of any property you finance with us. You should always rely on your own enquiries.

Before you accept your loan offer, make sure you read the credit contract carefully to understand full details of the loan. If you have any doubts, you should obtain independent legal and financial advice before you enter into any loan contract.

We represent lenders and have obligations to them, and in particular, to not provide any information we know is misleading or deceptive. We also have obligations under the law to report any fraud, forgery, or other illegal activities. Before using our services, it is important that you understand that we have these obligations to lenders, and under the law.

Vow Financial Pty Limited is required to have adequate arrangements

in place to ensure you are not disadvantaged by any conflict of interest.