Does your credit file have a query from AUTOMATED COLLECTION SERVICES?

If you have visited a merchant or dental or veterinary practice recently and applied for a payment plan or personal loan, a credit check would have occurred on your credit file. This is never done without your acknowledgement and only occurs after you accept the relevant privacy consent terms and conditions, and proceed with your application. If you have any concerns or queries, feel free to contact us for further information.

Visited a Medical Practice? Received a Demo from Kirby Vacuums?

If you have visited a merchant or dental or medical practice recently and applied for a payment plan or personal loan, a credit check would have occurred on your credit file. We process for a number of lenders including Smile Right and Breeze Finance.

This is never done without your acknowledgement and only occurs after you accept the relevant privacy consent terms and conditions, and proceed with your application.

To find out more click to view the Credit Policies of our lenders Smile Right and Breeze Finance.

Does this mean I owe Automated Collection Services money?

No. A Credit Enquiry simply records that a finance application was assessed. It does not mean you have an overdue account or default.

I never accepted the Finance?

Why is it still showing if I didn't go through with it?
If a credit enquiry was completed during the application process, it may still appear on your credit report even if you decided to not proceed with the purchase.

Consumer Information

ACS strives to provide the highest possible level of customer service to assure consumers that they have confidence when dealing with our company at any level. We are proud of our customer service culture and make every effort to ensure that our customers are satisfied with the service they receive.

To find out more click to view the Privacy Policies of our lenders Smile Right and Breeze Finance.

Customer Service Policy

ACS strives to provide the highest possible level of customer service to assure consumers that they can have confidence when dealing with our company at any level.

We are proud of our customer service culture and make every effort to ensure that our customers are satisfied with the service they receive. However should our customers feel that our service is not what it should be, we want to hear about it and resolve any issues.

We undertake to reply promptly to you once we are in receipt of any suggestion or complaint.

Should you have a suggestion or wish to make a compliant you can either direct your enquiry to one of the following;

‍Online
Complete the online form under contact us

‍Phone
Feel free to call 1300 851 953

‍Postal
Compliance Manager
PO Box 7795
Cloisters Square WA 6850

If we do not reach agreement on your complaint, you can refer certain matters to the Australian Financial Complaints Authority (AFCA), who can investigate and resolve disputes of up to $250,000. This service is free to you. You can lodge your complaint by phone, fax or mail.

Australian Financial Complaints Authority
‍Postal - GPO Box 3, Melbourne VIC 3001
‍Phone - 1800 931 678
‍Email - info@afca.org.au
‍Website - afca.org.au

Payment Difficulties

Life doesn’t always go to plan...

If you are experiencing financial difficulties or have defaulted on a recent payment, we encourage you to contact our Customer Support Department as soon as possible so that we can assist you.

Our Customer Support staff are friendly, supportive and keen to help you in any way we can. We understand that sometimes life doesn’t always go to plan.

If you find you are having difficulties meeting your loan repayments due to changes in employment or family circumstances, natural disasters, injury, illness or the like, we may be able to help.

Understanding your financial circumstances is crucial to determining what assistance might be possible. When you make contact we will seek some information about your situation and explain to you what assistance options you have to help meet your financial obligations.If you require assistance or simply want to discuss your situation feel free contact us on one of the following;

‍Phone – Feel free to call 1300 851 953
‍Postal – Customer ServicePO Box 7795 Cloisters Square WA 6850

‍CREDIT GUIDE

This Credit Guide and other disclosure documents that we may give you, are important documents. These documents are all written in plain English. If you are unable to read English you should get help from an independent translator to interpret this material.

Credit Guide

Our external dispute resolution provider is:
‍
Australian Financial Complaints Authority
‍
‍Postal - GPO Box 3, Melbourne VIC 3001
‍Phone - 1800 931 678
‍Email - info@afca.org.au
‍Website - afca.org.au

External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints. You can obtain further details about our dispute resolution procedures and obtain details of our privacy policy on request.

Things you should know

We don’t provide legal or financial advice unless specified in a separate contract. It is important that you understand your legal obligations under the loan, and the financial consequences. Before you accept your loan offer, make sure you read the credit contract/loan agreement carefully to understand full details of the loan. If you have any doubts, you should obtain independent legal and financial advice before you enter any loan contract.

Questions?

If you have any questions about this Credit Guide or anything else about our services, just ask us at any time. We’re here to help you.

Credit Reporting

If you have visited a merchant or dental or veterinary practice recently and applied for a payment plan or personal loan, a credit check would have occurred on your credit file. We process for a number of lenders including Smile RIght, Breeze Finance and Pay for Paws. This is never done without your acknowledgement and only occurs after you accept the relevant privacy consent terms and conditions, and proceed with your application. To find out more please review the following links:

PRIVACY POLICY
CREDIT REPORTING POLICY
CREDIT REPORTING EXPLAINED

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ACS Asset Management