Dispute Resolution Process
Dispute Resolution Process
Version – October 2025
CREDIT ASSISTANCE PROVIDER (‘WE’, ‘US’, ‘OUR’)
VIM Capital Pty Ltd (ACN 690 516 879)
Credit Representative (CRN 573144) of MRFHI Pty Ltd (ACL 476270)
PO Box 3203, Mornington VIC 3931
Phone: 1300 003 555 | Email: hello@vimcapital.com.au
Website: www.vimcapital.com.au
Our Commitment
At VIM Capital, we value our clients and are committed to providing exceptional service. We recognise that despite our best efforts, issues can sometimes arise. When this happens, we want to ensure your concerns are heard, addressed promptly, and resolved fairly.
Internal Dispute Resolution (IDR)
Our internal dispute resolution process is designed to handle complaints efficiently, fairly, and free of charge. If you have a concern or complaint about any of our services, please follow the steps below:
1. Contact Us First – Please raise your concern with your VIM Capital representative as soon as possible. Most issues can be resolved quickly and easily.
2. Formal Complaint – If your concern is not resolved, you can lodge a formal complaint by contacting our Disputes Officer:
Disputes Officer – VIM Capital Pty Ltd
PO Box 3203, Mornington VIC 3931
Phone: 1300 003 555
Email: hello@vimcapital.com.au
Please include your full name, preferred contact details, and a detailed description of your concern, including any relevant supporting documents.
3. Acknowledgment – We will acknowledge receipt of your complaint within 7 days.
4. Investigation – We will investigate your complaint promptly, gathering all necessary information from relevant parties.
5. Outcome – We aim to provide you with a written response outlining our decision within 30 calendar days of receiving your complaint. If we require more time, we will notify you and keep you updated on our progress.
External Dispute Resolution (EDR)
If you are not satisfied with our response or we have not resolved your complaint within 30 days, you have the right to refer the matter to our external dispute resolution scheme – the Australian Financial Complaints Authority (AFCA). AFCA provides free, fair, and independent dispute resolution for consumers and small businesses.
You can contact AFCA using the following details:
Australian Financial Complaints Authority (AFCA)
Website: www.afca.org.au
Email: info@afca.org.au
Phone: 1300 931 678
Mail: GPO Box 3, Melbourne VIC 3001
Record Keeping and Review
All complaints are recorded in our internal compliance register and reviewed periodically to identify any trends or areas for improvement. This ensures that our services and internal processes continue to evolve in line with best practice and regulatory obligations.
Continuous Improvement
We view complaints as an opportunity to improve. Each complaint received helps us identify potential gaps in our systems, training, and communication processes. We are committed to learning from every concern raised to ensure ongoing improvements to client experience and compliance standards.
Our Promise to You
We are committed to resolving all complaints fairly, transparently, and within the timeframes set out by ASIC Regulatory Guide 271 – Internal Dispute Resolution. If you have any questions about our dispute resolution process, please don’t hesitate to contact us.
Last Updated: 20 October 2025