Australian Banks - Unfair Loan Reviews and Hardship Denial Reviews
Has your bank misbehaved?
Hold them to account
Get an experienced lawyer to take on your bank for providing you with an unfair loan or denying a reasonable hardship request.Fill in the form if you want to challenge the validity of your loan, or get a better deal.
About Us
Expert lawyers in the field.
Our service is for borrowers who want a lawyer to analyse the bank’s conduct, prepare the evidence, frame the complaint properly, and manage the strategy before things escalate.
Our Core Focus
Loan & Hardship Reviews
If your bank has handled your loan poorly, either at the start or during it, the right review can uncover options you didn’t know you had. We also look at the conduct of your broker (if applicable).
Signs Something’s Wrong
Hardship application refused or ignored
Repeated requests for documents that seem excessive
Default notice, enforcement threats or possession pressure
Interest, arrears or fees growing despite hardship
Concern the loan should not have been approved at all
Difficulty getting a clear answer from your bank
What We Review
Whether the National Credit Code applies to your loan
The lender’s response to your hardship notice
Correspondence, default notices, statements & decisions
Possible irresponsible, unsuitable or unfair lending issues
A structured hardship & bank conduct complaint
Negotiated outcomes, and AFCA submissions where appropriate
Proven ReSULTS
Selective by design. Thorough by default.
The Process
From first call to AFCA escalation
A fixed, staged process.
STEP 01
Free eligibility call
A short call with our intake team to see whether your matter appears suitable.
We can see if we can work together
STEP 02
Stage 1 review
A lawyer reviews your key documents and gives an initial view on hardship, conduct & AFCA options.
Fixed fee, disclosed before you sign
STEP 03
Stage 2/3 strategy
If the matter is viable, we prepare the evidence brief and make a consider a complaint on your behalf.
Quoted upfront, activated if you proceed
STEP 04
AFCA escalation
If the bank’s response falls short, we prepare your AFCA complaint and submissions.
We join your every step of the way
Is This a Fit?
This service may suit you if…
Your loan is a home loan, investment loan, personal loan, car loan or similar consumer credit facility
The lender refused, delayed or mishandled your hardship request
You have documents covering your loan, bank correspondence, hardship request and financial position
You’ve applied for hardship, or need to do so urgently
There’s a default notice, enforcement risk or serious arrears issue
The amount at stake is significant enough to justify lawyer‑led, fixed‑fee work
Get in Touch
Answer the questionnaire here, and we will speak to you if you're eligible.
Free eligibility calls. Australia‑wide, by phone or video.