Banking & Finance Forms

Dispute a transaction on your bank account or card that you did not authorise — including fraud, card skimming, and...

Request a chargeback from your bank when goods or services were not received, were not as described, or a merchant...

Request a refund of bank fees that were charged in error, without disclosure, or that you believe are unfair.

Challenge your bank closing your account without proper notice or reason, or dispute being denied a bank account.

Dispute charges, fees, or unfair practices from Buy Now Pay Later providers like Afterpay, Zip, Humm, Klarna, or Laybuy.

Dispute incorrect information on your credit report — incorrect defaults, debts that are not yours, or listings that...

Pull your three credit files immediately. You need to see every loan and credit card in your name (your spouse may have...

Complain about an Australian cryptocurrency exchange — account frozen, withdrawal refused, funds missing, or unfair...

Report a cryptocurrency scam and attempt to recover funds — including fake investment platforms, rug pulls, romance...

Dispute an ATO assessment or penalty relating to cryptocurrency — including capital gains tax on crypto trades, DeFi...

Resolve a frozen or suspended cryptocurrency exchange account and recover access to your funds.

Apply to voluntarily become bankrupt if you cannot pay your debts.

Propose a Part IX Debt Agreement as an alternative to bankruptcy if you cannot pay your unsecured debts.

Report a debt collector who is harassing you, contacting you at unreasonable hours, contacting your family or employer,...

Finance brokers arrange commercial loans, equipment finance, asset finance, and business lending — distinct from...

Complain about a financial adviser who gave inappropriate advice, charged excessive fees, churned your investments, or...

Dispute an unauthorised trade, platform error, or misconduct by a stockbroker or share trading platform.

Make a complaint about a financial firm — bank, insurer, super fund, or financial planner. Free service.

Access free, independent financial counselling if you are in financial difficulty.

Search for lost or unclaimed superannuation held by the ATO or funds you may have forgotten about.

Apply to access your superannuation early on grounds of severe financial hardship or compassionate grounds.

Dispute a rejected or underpaid insurance claim — home, car, health, life, or travel insurance.

Dispute a rejected private health insurance claim, waiting period dispute, or fund membership issue.

Dispute a rejected or underpaid travel insurance claim for cancellation, medical expenses, lost luggage or travel...

Recover funds from an international transfer that failed, was delayed, or was sent to the wrong account.

Dispute a failed, delayed, or incorrect transfer through Wise (formerly TransferWise).

Dispute an unauthorised transaction, failed transfer, or account issue with Revolut.

Attempt to recover money sent to the wrong bank account by mistake — time is critical.

Apply to ASIC for an Australian Financial Services Licence — required to carry on a business providing financial...

Enrol and register with AUSTRAC if you provide designated services as a remittance service provider, digital currency...

Formally request a hardship variation from your lender if you are struggling to make repayments due to illness, job...

To act as a mortgage broker in Australia you need either an Australian Credit Licence (ACL) issued by ASIC, or you must...

Voluntarily apply to be declared bankrupt when you cannot pay your debts as they fall due. Bankruptcy normally lasts 3...

A complete written disclosure of your financial position lodged with AFSA when you become bankrupt. Required whether...

A legally binding agreement to pay creditors a fixed amount (often less than 100c in the dollar) over an agreed term —...

A flexible, formal agreement under Part X of the Bankruptcy Act used when your debts, income or assets exceed the Part...

A formal demand issued by AFSA, on a creditor's application, requiring a debtor to pay a final court judgment debt...

Confirmation that you have been automatically discharged from bankruptcy after the standard 3-year-and-1-day period....

When you become bankrupt, a trustee is appointed to control your divisible assets, investigate your affairs, and pay...

Search the National Personal Insolvency Index (NPII) to confirm whether a person is, or has ever been, bankrupt or...

Complain about a payday lender who gave you a loan you could not afford, charged excessive fees, or failed to properly...

Attempt to recover money lost to a bank transfer scam — including romance scams, investment scams, impersonation scams,...

Recover from financial identity theft — someone has used your identity to open accounts, take out loans, or make...

Report a fake investment scheme or financial fraud — including fake managed funds, Ponzi schemes, unlicensed financial...

Find and consolidate lost or unclaimed superannuation — billions of dollars sit in lost super accounts across Australia.

Apply to access your superannuation early due to severe financial hardship — available if you have been receiving...

Apply to access superannuation early on compassionate grounds — medical treatment, disability modifications, terminal...

Complain about your superannuation fund — poor investment returns disclosure, insurance claim refused, administration...

Apply to the ATO to release voluntary super contributions (plus associated earnings) to help buy or build your first...

When someone dies their super fund pays out a "death benefit" (the account balance plus any insurance attached). This...

Every SMSF must lodge this combined income tax return, regulatory return, and member contribution statement with the...

Search for and claim unclaimed money held by ASIC — from dormant bank accounts, matured-but-unclaimed life insurance,...

Dispute unfair finance arranged through a car dealership — inflated interest rates, undisclosed commissions, add-on...

Understand your rights if a finance company is threatening to repossess your car, and what you can do to prevent it.