FreedomPeak Financial Management Consultancy trading as Moneytree Quick Loan,
DTI Permit Number 00000000 Telephone: (+63) 908 896 2036
We are required to give you this guide by law. It acknowledges your right to ask us about any assessment we may make, our financial services and where appropriate, the recommendation of using one credit product over another. In the unlikely event you may be dissatisfied with what we do or have done, this guide also provides direction on what you need to do to remedy your dissatisfaction.
CREDIT SUITABILITY AND ASSESSMENT
Before we can recommend any financial product to you, the law requires that we make an assessment of your current financial situation and objectives to ensure any credit product we may offer meets your needs. To do this, we will make reasonable enquiries and ask you to provide verifiable information directly or, where we deem it appropriate, we may obtain it from others whom we may contact. Some of these steps may be required by law.
Please note we will not allow you to enter into a loan contract or increase a credit limit on any existing loan contract if:
a. it is likely you could not fulfil, or only do so with substantial hardship, your financial obligations to us under the contract; or
b. you could only meet your financial obligations to us by selling your personal or family’s assets; or
c. the loan contract will not meet your requirements or objectives.
Should you want a written copy of our assessment, free of any charge, you may ask us to provide it:
a. before you either enter into a loan contract or we increase your credit limit on any existing loan contract you may have with us; or
b. at any time up to seven (2) years from the date you signed the contract or obtained the credit limit increase on a particular loan contract with us.
We have seven (7) business days from when you make your request to supply it if your enquiry is made within three (3) months of the date you entered into the loan contract, otherwise we have fifteen (15) business days to do so.
Note: – We are not obliged to give you a copy of the assessment where we do not provide you with the credit or increase the credit limit.
Business relationships are built through trust, openness, honesty, integrity, consistency and respect towards others. Sometimes, though, there may be differences of opinion, particularly when things don’t quite work out the way you intended when you took out the credit contract. We recognise communication is the key to solving these difficulties and the steps below will assist both of us quickly get our relationship back on track.
Step 1: If you are dissatisfied with something we’ve done, we encourage you to phone us and explain your concern(s). We can usually resolve the matter(s) amicably, without delay.
Step 2: If you’re still not happy with our response, you should contact our CEO by telephoning (+63) 908 896 2036 as soon as possible. We may ask that you put your complaint in writing to us so that we may investigate it further. You can email it to us on firstname.lastname@example.org.