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FAST ACCESS FINANCE PTY LTD ACN 078 233 084
I/We have made application to FAST ACCESS FINANCE PTY LTD ACN 078 233 084 (Lender) to borrow (or guarantee payment of) a certain amount of money. I/We realise the Lender will, in processing this application, obtain particulars in regards to my/our credit rating, title to goods and other relevant matters. The details of these particulars are detailed below.
I/We acknowledge that the Lender makes use of FAST ACCESS FINANCE PTY LTD ACN 078 233 084 to conduct the searches on our behalf and that Fast Access Finance is a related company of the Lender. I/We expressly authorise Fast Access Finance to search these particulars on behalf of the Lender, and to communicate the results of these searches to the Lender. This authority is given to Fast Access Finance in accordance with the Privacy Act (Cth) 1988.
NOTICE OF DISCLOSURE OF YOUR CREDIT INFORMATION TO A CREDIT REPORTING AGENCY
The Lender and FAST ACCESS FINANCE may give information about you to a credit reporting agency (Agency) for the following purposes:
- To obtain a consumer credit report about you;
- To allow the Agency to create or maintain a credit information file containing information about you.
The information held by the Agency is limited to:
- Identifying particulars: name, sex, current and past two addresses, date of birth, employer and driver’s licence number;
- The fact that the application has been made in respect of consumer or commercial credit;
- The fact that the Lender is a current credit provider to you;
- Loan repayments which are more than 60 days overdue, and for which debt collection has commenced;
- Advice that defaults in loan repayments have been rectified for listings under item 4;
- Information that you have committed a serious credit infringement in the opinion of the Lender (including acting fraudulently or intending not to comply with your credit obligations); and
- Dishonoured cheques for $100 or more which have been dishonoured at least twice.
This information may be given before, during and after the provision of credit.
SPECIFIC ACKNOWLEDGEMENTS UNDER THE PRIVACY ACT 1988 (CTH)
I / We acknowledge and agree that the Lender and Fast Access Finance Pty Ltd may:
- s18E(8)(c) – give information to an Agency in accordance with 1 to 7 above;
- s18K(1)(b) – apply to an Agency for a credit report concerning me/us;
- s18L(1)(b) – use a credit report for the purpose of determining the acceptability of a guarantor to the loan;
- s18L(1)(d) – use a credit report for the purpose of collecting overdue repayments from me/us;
- s18L(1)(f) – use a credit report if they reasonably believe there has been a serious credit infringement;
- s18L(4) – obtain information from an Agency that provides information on commercial credit worthiness in assessing my/our application;
- s18N(1)(b) – provide certain information contained in my/our credit report to other credit providers relating to my/our application for credit and any matters falling under items 4, 5, 6 and 7 above;
- s18N(1)(bc) – disclose details from my/our credit report to a qualified mediator or other acknowledged dispute resolution professional for the purposes of settling a dispute relating to my/our loan;
- s18N(1)(bf) – disclose information about my/our loan to a potential assignee of the loan;
- s18N(1)(c) – provide sufficient information to a debt collector for them to take action to recover outstanding payments for my/our loan;
- s18N(1)(d) – disclose information from my/our credit report to a related corporation; and
- s18N(1)(f) – disclose information from my/our credit report to a loan manager for the purpose of managing my/our loan.
I/We authorise the Lender and Fast Access Finance to do the above in accordance with the Privacy Act 1988 (Cth). Further, I/We acknowledge that this authority is a continuing authority that has effect before, during and after the provision of any credit.
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