Australian Banks - Loan Reviews and Hardship Denial Reviews

Has your bank misbehaved?
Hold them to account

Connecting you with Australia's best solicitors — get a lawyer-led second opinion when the bank says no.

Have you entered into a loan you cannot afford? Has a broker signed you up to something that they shouldn't have?If your lender has refused hardship assistance, failed to respond properly, threatened enforcement, or kept pushing despite your financial difficulty, we can assess whether the bank has met its obligations — and whether a structured legal complaint could improve your position.

  • Irresponsible Lending

  • AFCA Complaints

  • Unfair Lending

  • Bank Disputes

  • Loan Conduct Review

  • Hardship Denial Appeals

  • Broker Behaviour Review

We act selectively. The first step is free eligibility call. The next: a paid, fixed‑fee Stage 1 review to determine whether a broader complaint is justified. We evaluate whether you have a claim, and discuss your options going forward. We refer you to some of Australia's best lawyers to provide advice, evidence preparation and strategy on how to keep banks honest.

About Us

Expert lawyers in the field, but not a claims factory.

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.We are not a claims management business. We act selectively, focusing on matters where a structured legal intervention may make a real commercial difference — and if we don’t think your matter is suitable, we’ll tell you.

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.

Lawyer‑led, always

Every review is carried out by a lawyer — not a claims handler.

Free eligibility call

A short, no‑obligation call to see whether your matter is worth pursuing.

Fixed fees, upfront

Stage 1 review pricing is confirmed before you sign anything. Full transparent stages thereafter.

Australia‑wide

We work with borrowers across the country — no need to visit an office.

The Process

From first call to AFCA escalation

A fixed, staged process — you only move to the next step if it makes sense to.

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 the formal bank/IDR complaint.

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

Think your bank got it wrong?

A free, no‑obligation eligibility call — find out where you stand before you decide anything.

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.

Phone
03 9005 8228

Email
[email protected]