Frequently Asked Questions

How long until I get the refund?

Each claim can vary depending on the complexity or the claim and on the process with the individual insurer or bank. Our current time scales are between 60 to 120 days The sooner you get your claim started and provide us the requested documents the sooner Get My Refund can verify a refund due!

How do I know I am eligible for a refund?

Good question!!!

1. You need to have had a finance product in the last 10 years. for example Credit card, Home loan, Personal Loan or Vehicle Loan!

2 We only deal with mis-sold insurances on loans, you know the kind of insurances that were put on to loans without you knowing! Or maybe you were not eligible for them in the first place!

3. All of these details are in your loan docs which we will need to see and a few questions in your application to work out if you were mis-sold

4. Once we verify all of your documents, we will let you know if you have a refund to claim!

How do I get my refund?

Easy! there re two ways in which you will receive your refund.

1. If your loan is still active it will be credited back to your loan which will reduce your loan amount, and your term and your overall interest....You Beauty!

(Our fee is then paid direct to us by you or we can set up a payment plan for you)

2. If your loan is finalised and 'paid out' the refund will go directly back to you in to your nominated bank account, or a cheque will be issued to you, for the refund due.

(Our fee is then paid direct to us by you once your refund is received)

How does the process work?

If you have had a loan in the last 10 years, either a credit card, home loan, vehicle finance or personal loan, if you think there may be add on insurance on there, this is where we step in!!

1. You complete your details in your online secure portal, here you will sign the relevant Get My Refund documents,

2. You upload relevant finance documents and insurance policies or as many documents you think may help!!

3. We will do our work to get the maximum refund owed to you. You just sit back, relax and we will contact you.

How do I know what contracts to send Get My Refund?

Anything that you think will help us investigate for you. For example:

Car loan finance documents/contracts/invoices, Consumer Credit Policy for your car loan, credit card or personal loan.

Gap insurance policy, tyre and rim polices. Any financial loan documents and bank statements - then we will do the rest.

You may have misplaced your loan documents, you can then request a copy of your finance documents from your financier, this is super easy with one quick phone call they can email them to you.

When will I know my refund owed? I want to know now!

Get My Refund know you are eager to find out what your refund owed will be, and we try to do this as quick as we can.

We need you to submit all your details in your secure customer portal including your loan documents. (remember you can request these for free if you do not have these).

We then can see if you have an eligible claim and we will let you know within 14 working days if not sooner!

We will contact you by email with all updates on your claim as we go!

How much am I likely to be refunded back?

Once Get My Refund have put forward your claim whether it is a 'mis-sold insurance' or the 'irresponsible lending 'claim, You could be owed anything from $20 to $20,000!

This really depends on how much you paid for the insurance in the first place and a few other factors which we will look in to for you to make sure its the maximum.

This is dependent on your individual add on insurance polices, that you may or may not be aware of!

What is your claims management fee for service?

The Get My Refund service fee is 30% plus GST of the total refund obtained.

Get My Refund will manage your potential refund claim from start to finish to get confirmation of your total refund and ensure maximum refund potential for you, we have the knowledge to understand what each individual claim should be entitled to!

If no Refund is found, no fee is applied!

Why have I never heard of a company like this? is this a scam??!

Get My Refund is the first REFUND claims management company in Australia!! We are a friendly team of knowledgeable people who want to help consumers get back what your owed! Please remember we are a 'No refund, NO fee ' Service! We work super hard to make sure there is a refund to be claimed for you and we are the best at what we do. We care about educating consumers to know what to look out for and not be over charged in the future also!

We have helped many customers get refunded already and if you are eligible, you can trust us to do the same for you!

How do I know if I have these Insurances on my loans? 

Get My Refund are the experts in Refund's in Australia, we analyse consumer finance documents to find this out for you!!

Do you remember any conversations around add on insurances? Maybe take a look in your document pack you received to see if any policies were hidden at the back! The insurances will be in your loan documents, which is the best place to look but if you cant find them or have trouble we can take a look for you.

It can be a confusing time when you are signing documents, it seems to be common for consumers to be miss-sold an incorrect insurance or for consumers to be unaware of the products they have bought!

Remember this is all we do all day every day so if in doubt, give us a shout!

What is CCI Insurance?

It stands for Consumer Credit Insurance, consumer credit insurance is a type of insurance policy purchased by a borrower that can contribute to an existing debt in the event of a death, disability or in rare cases, unemployment.

What is Tyre & Rim Insurance?

It is an insurance which covers repair or replacement due to accidental damage to the tyres and in some cases rims of your car, light van or motorcycle. There are maximum claim limits on these polices.

What is Gap Insurance?

Gap insurance is an additional and optional add on car insurance coverage that can help certain drivers cover the Gap between the amount they owe on their car and the cars value in the event of an accident or the car being stolen.

What is Extended warranty Insurance?

They are a few different types of extensions of warranty, the main purpose is to cover the cost for certain parts and value limits listed in your warranty policy.

I have a claim in already with you, but the company are contacting me direct!? What shall I do?

Glad you asked!

You are in contract with us from the day you sign your terms with us in your portal, you are not allowed to speak direct or negotiate with the company regarding your claim complaints, otherwise this is in breech of your contract with us! Oops!!!

Do not worry! Please advise us immediately and forward all correspondence to us. We deal with the whole claim on your behalf and with our knowledge we make sure you get back the maximum you are owed. Lets make sure you do not agree to any amount from anyone, and most of the time this may be a lower amount!

If you were mis-sold in the first place its not a surprise some companies will try and dodge the process again!

Please take a look at your terms on our website (link below) if you need a refresh.

What docs or details to supply if you have them:

So any documents relating to your finance agreement which could be the loan itself or loan or account numbers, statements or insurance policies. Please use the secure portal to upload so we can keep everything safe for you!

Do I have to supply my own docs:

No! we can obtain the information for you on your behalf, this can make the process much quicker too! BE sure to sign the Authorisation document we send you so we can help. 

Will this affect my credit score or future borrowing:

Absolutely not! If you have something to claim then that is on them and not you! If the wrong thing has been done by you it is there consumer obligation to help us fix that.

Will I get in to trouble for doing this:

Hell no! First of all, it is our specialists that will deal with it on your behalf, a complaint made by any consumer highlights a company process issue, which is their job to fix! Also it is our job to help put things right for you and we will always have the best interests of our clients

Why has this not been done before, and how are companies getting away with this?

We have done a video for you which explains a bit more about this check it out! We also love any of your feedback!

Still have a question? Contact Us

What will you do with your refund?

We specialise in reclaiming money for consumers by investigating your individual situation to get back what you are owed if you were mis-sold, even if your loan is still current or has been paid out within the last 10 years.

Get My Refund
Get My Refund is an authorised representative of Sphere Insurance Group ABN 95605842117 AFSL 478959 Agent number 1279752
2/23 Foster Street Surry Hills NSW 2010 Australia | (02) 9156 1000
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