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    SMALL AMOUNT CREDIT CONTRACT

    This contract, subject to the terms and conditions set out on the following pages is, if accepted, a binding contract between Tilmak Pty Ltd trading as The Money Centre Melbourne City , ABN 74054353954 , Australian Credit License 395052, “ the Credit Provider” and “ the Debtor” namely:

    Date : *   
    First Name : *   
    Last Name : *   
    E-Mail : *   

    Whom offer to borrow the amount described in the “Amount of Credit”

    Amount of Credit

    CASH ADVANCED : *    ($$.cc)
    PLUS FEE : (28 %) *    ($$.cc)
    TOTAL TO BE REPAID: *    ($$.cc)
            

    The loan needs to be paid in 5 weeks

      REPAYMENT DATE: REPAYMENT AMOUNT:
    1. * (DD/MM/YY) *($$.cc)
    2. (DD/MM/YY) ($$.cc)
    3. (DD/MM/YY) ($$.cc)
    4. (DD/MM/YY) ($$.cc)
    5. (DD/MM/YY) ($$.cc)
    6. (DD/MM/YY) ($$.cc)
    Credit Fees and Charges You must pay us the credit fees and charges specified in this Financial Table as and when they fall due. You authorise us to debit your nominated account with the amount of each credit fee or charge when it becomes due in accordance with this contract. Credit fees and charges paid are not refundable.
    Establishment fee $ 20% of the loan we approved. This amount is included in your weekly / fortnightly loan repayment amount.
    Credit fee $ 8% for loans payable in 5 weeks. The credit fee is included in your weekly / fortnightly loan repayment amount. This fee will be reduced to 4% if you pay a week earlier.
    Total Fees
    Excluding default fees    		 $28% of the amount we provided to you as a loan for a loan payable in 5 weeks. This fee will be reduced to 24% if paid a week earlier.
    Default Administration Fee $30per week payable if you do not repay the loan balance in full by the final repayment capped to 200% of the loan amount given.
    Government charges If government charges or duties are payable in respect of this contract, we may debit these to your account any time after they are incurred.

    IMPORTANT

    BEFORE YOU SIGN
    THINGS YOU MUST KNOW
    READ THIS CONTRACT DOCUMENT so that you know exactly what contract you are entering into and what you will have to do under the contract. Once you sign this contract document, you will be bound by it. However, you may end the contract before you obtain credit, or a card or other means is used to obtain goods or services for which credit is to be provided under the contract, by telling the credit provider in writing, but you will still be liable for any fees or charges already incurred.
    You should also read the information statement: ‘THINGS YOU SHOULD KNOW ABOUT YOUR PROPOSED CREDIT CONTRACT’. You do not have to take out consumer credit insurance unless you want to. However, if this contract says so, you must take out insurance over any mortgaged property that is used as security, such as a house or car.
    Fill in or cross out any blank spaces. If you take out insurance, the credit provider cannot insist on any particular insurance company.
    Get a copy of this contract document. If this contract document says so, the credit provider can vary the annual percentage rate (the interest rate), the repayments and the fees and charges and can add new fees and charges without your consent.
    Do not sign this contract document if there is anything you do not understand. If this contract document says so, the credit provider can charge a fee if you pay out your contract early

    The Debtor confirms that she/ he received:

    • The Cash Loan Credit Guide
    • Copy of the Loan Contract
    • Copy of the loan assessment.
    • The “Warning on borrowing” leaflet.
    • The Terms and Conditions of the Credit Contract

    DO NOT SIGN this contract document if there is anything you do not understand. By typing your name as a signature on this contract you will be bound by it.

    Signed by the Debtor:

    Signature : * Date :* (DD/MM/YY)

    On behalf of Tilmak Pty Ltd :

    		Signature : Date : (DD/MM/YY)
    I confirm that I will use the loan for : - *


    DIRECT DEBIT CONTRACT

    Surname : * Given Name : *
    Mobile : * Email : *
    Address : *

     

    Payment Details | A payment as per form details

     

    I authorise and request the debit user detailed below to debit payments from my nominated account, as specified below, at intervals and amounts as directed by Tilmak Pty Ltd as per the Terms and Conditions of the Tilmak Pty Ltd agreement and subsequent agreements.

    Ezidebit Fees: 88cents transaction fee. Defaulted payments might incur extra fees from Ezidebit and your Bank

     

    Debit from Bank or Cheque Account, Building Society or Credit Union

     

    Financial Institution : *      Branch : *
    BSB Number : * --
    Account Number : *
    Account Name : *
      NOTE – Direct Debit is not available on the full range of accounts – if in doubt please refer to your financial institution

    Terms and Conditions

     
     
    DDR Service Agreement (Ver 1.6) I/We hereby authorise Ezidebit Pty Ltd ACN 096 902 813 (Direct Debit User ID number 165969, 303909, 301203, 234040, 234072, 428198) (herein referred to as "Ezidebit") to make periodic debits on behalf of the "Business" as indicated on the attached Direct Debit Request (herein referred to as "the Business"). I/We acknowledge that Ezidebit is acting as a Direct Debit Agent for the Business and that Ezidebit does not provide any goods or services (other than the direct debit collection services to me/us for the Business pursuant to the Direct Debit Request and this DDR Service Agreement) and has no express or implied liability in regards to the goods and services provided by the Business or the terms and conditions of any agreement that I/we have with the Business. I/We acknowledge that the debit amount will be debited from my/our account according to the terms and conditions of my/our agreement with the Business and the terms and conditions of the Direct Debit Request (and specifically the Debit Arrangement and the Fees/Charges detailed in the Direct Debit Request) and this DDR Service Agreement. I/We acknowledge that bank account and/or credit card details have been verified against a recent bank statement to ensure accuracy of the details provided and I/we will contact my/our financial institution if I/we are uncertain of the accuracy of these details. I/We acknowledge that is my/our responsibility to ensure that there are sufficient cleared funds in the nominated account by the due date to enable the direct debit to be honoured on the debit date. Direct debits normally occur overnight, however transactions can take up to three (3) business days depending on the financial institution. Accordingly, I/we acknowledge and agree that sufficient funds will remain in the nominated account until the direct debit amount has been debited from the account and that if there are insufficient funds available, I/we agree that Ezidebit will not be held responsible for any fees and charges that may be charged by either my/our or its financial institution. I/We acknowledge that there may be a delay in processing the debit if:- 1. there is a public or bank holiday on the day of the debit, or any day after the debit date; 2. a payment request is received by Ezidebit on a day that is not a banking business day in Queensland; 3. a payment request is received after normal Ezidebit cut off times, being 3:00pm Queensland time, Monday to Friday. Any payments that fall due on any of the above will be processed on the next business day. I/We authorise Ezidebit to vary the amount of the payments from time to time as may be agreed by me/us and the Business as provided for within my/our agreement with the Business. I/We authorise Ezidebit to vary the amount of the payments upon receiving instructions from the Business of the agreed variations. I/We do not require Ezidebit to notify me/us of such variations to the debit amount. I/We acknowledge that Ezidebit is to provide at least 14 days' notice if it proposes to vary any of the terms and conditions of the Direct Debit Request or this DDR Service Agreement including varying any of the terms of the debit arrangements between us. I/We acknowledge that I/we will contact the Business if I/we wish to alter or defer any of the debit arrangements. I/We acknowledge that any request by me/us to stop or cancel the debit arrangements will be directed to the Business. I/We acknowledge that any disputed debit payments will be directed to the Business and/or Ezidebit. If no resolution is forthcoming, I/we agree to contact my/ our financial institution. I/We acknowledge that if a debit is returned by my/our financial institution as unpaid, a failed payment fee is payable by me/us to Ezidebit. I/We will also be responsible for any fees and charges applied by my/our financial institution for each unsuccessful debit attempt together with any collection fees, including but not limited to any solicitor fees and/or collection agent fee as may be incurred by Ezidebit. I/We authorise Ezidebit to attempt to re-process any unsuccessful payments as advised by the Business. I/We acknowledge that certain fees and charges (including setup, variation, SMS or processing fees) may apply to the Direct Debit Request and may be payable to Ezidebit and subject to my/our agreement with the Business agree to pay those fees and charges to Ezidebit. Credit Card Payments I/We acknowledge that "Ezidebit" will appear as the merchant for all payments from my/our credit card. I/We acknowledge and agree that Ezidebit will not be held liable for any disputed transactions resulting in the non supply of goods and/or services and that all disputes will be directed to the Business as Ezidebit is acting only as a Direct Debit Agent for the Business. I/We acknowledge and agree that in the event that a claim is made, Ezidebit will not be liable for the refund of any funds and agree to reimburse Ezidebit for any successful claims made by the Card Holder through their financial institution against Ezidebit. I/We acknowledge that Credit Card Fees are a minimum of the Transaction Fee or the Credit Card Fee, whichever is greater as detailed on the Direct Debit Request. I/We appoint Ezidebit as my/our exclusive agent with regard to the control, management and protection of my/our personal information (relating to the Business and contained in this DDR Service Agreement). I/We irrevocably authorise Ezidebit to take all necessary action (which Ezidebit deems necessary) to protect and/or correct, if required, my/our personal information, including (but not limited to) correcting account numbers and providing such information to relevant third parties and otherwise disclosing or allowing access to my/our personal information to third parties in accordance with the Ezidebit Privacy Policy. Other than as provided in this Agreement or the Ezidebit Privacy Policy, Ezidebit will keep your information about your nominated account at the financial institution private and confidential unless this information is required to investigate a claim made relating to an alleged incorrect or wrongful debit, to be referred to a debt collection agency for the purposes of debt collection, or as otherwise required or permitted by law. Further information relating to Ezidebit's Privacy Policy can be found at http://www.ezidebit.com.au/privacy-policy/. I/We hereby irrevocably authorise, direct and instruct any third party who holds/stores my/our personal information (relating to the Business and contained in this DDR Service Agreement) to release and provide such information to Ezidebit on my/our written request. I/We authorise: a. Ezidebit to verify and/or correct, if necessary, details of my/our account with my/our financial institution; and b. my/our financial institution to release information allowing Ezidebit to verify my/our account details. PO Box 3327 Newstead, QLD 4006 Ph: (07) 3124 5500 Fax: (07) 3124 5555

     

    Dishonour fee charged by Ezi Debit effective 1 February, 2016 will be $8.20 ( inc GST)

    This authorisation is to remain in force in accordance with the terms and conditions on this
    Direct Debit Request and I/we understand the same

    Signature(s) of the nominated
    Account Holder / Credit Card Holder *
        Date : / /
    By typing your name as a signature you are bound to the terms and conditions of this form
    * - I confirm that I read and understood the Credit Guide, The Terms and Conditions of Credit Contract and I agree to the Privacy Policy.

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