Winsec home
Services
InvestmentsLoansHome Loan Broker
About us
Important Notice
Complaints PolicyID RequirementsTarget Market DeterminationFinancial Reports
& RG69 Benchmark
Reports
FAQ’sPrivacy Policy
Contact

Resources & tools

Complaints
Policy

Complaint policy

Our internal dispute resolution process

The Company’s policy is to handle complaints by holders of Winsec Notes (“Winsec Noteholders”) promptly and fairly. Winsec Noteholders who have a complaint concerning a decision by the Company in relation to their Winsec Notes, may lodge a complaint with the Company in person, by telephone or in writing to the Company’s registered office at: 43 Reid Street, Wangaratta, Victoria.


We will acknowledge receipt of your complaint within 1 business day and advise you of our decision on your complaint within 30 business days. If you feel we have not satisfactorily resolved your complaint, you may refer your complaint to an independent and external complaints handling body called the Australian Financial Complaints Authority (AFCA).

Details of how to access this service are available at the Company’s registered office or contact AFCA direct at:


GPO Box 3, 
Melbourne 3001

1800 931 678
(9am - 5pm AEST).

info@afca.org.au

afca.org.au
Ladies having conversation at work

Complaint policy

Additional assistance

Dealing with complaints

Our process for dealing with complaints is as follows:

  1. Acknowledgement: We will acknowledge receipt of your complaint promptly – that is, within one business day of receiving it, or as soon as possible.

  2. Assessment and investigation: We will review your complaint carefully and promptly, taking such steps and reviewing such documents as reasonably necessary.

  3. Internal Dispute Resolution (IDR) response: We will provide an ‘IDR response”, which is a written communication that sets out the final outcome of your complaint through our IDR process and your right to take your complaint to AFCA if you are not satisfied with the IDR response. If we reject or partially reject your complaint, we will clearly set out the reasons for our decision.

Response timeframes

Generally, we will provide an IDR response to you no later than 30 calendar days after receiving the complaint. However, for some specific types of credit-related complaints, the following response timeframes apply.

  • Credit-related complaints involving default notices: No later than 21 calendar days after receiving the complaint;

  • Credit-related complaints involving hardship notices or requests to postpone enforcement proceedings: No later than 21 calendar days after receiving the complaint. Exceptions apply if we do not have sufficient information to make a decision, or if we reach an agreement with you.

Our external dispute resolution scheme – AFCA

If we do not reach agreement on your complaint, you may refer your complaint to the Australian Financial Complaints Authority (AFCA). You can contact the AFCA Scheme:


1800 931 678
(9am - 5pm AEST).

info@afca.org.au

GPO Box 3, 
Melbourne 3001

Connect with us to get started

(03) 5721 5200







Since 1990, Winsec Savings & Loans has been providing quality financial services to your local community. Why not come in and see how our friendly staff can assist you?
Useful Links
Provincial Finance GroupMortgage & Finance Association of AustraliaLaw Institute of VictoriaAustralian Taxation OfficeMoneysmartASICAustralian Taxation OfficeReserve Bank of Australia
Resources
Important NoticeComplaints PolicyID RequirementsTarget Market Determination
- 31 Day Notice
Target Market Determination
- Fixed Term
CalculatorsFAQ’sPrivacy Policy
Downloads
Application FormProspectus 27
Copyright © 2025 Winsec. All Rights Reserved.
Proudly designed by Propel Digital