Frequently Asked Questions

Each claim can vary depending on the complexity or the claim and on the process with the individual insurer or bank. Our job is to get you back the maximum! Our current average time scales are between 30 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! We chase them constantly for updates and let you know via email or your portal.

Good question!!!

1. Whether it is active or finished, you need to have taken out a loan or had some type of credit. for example Credit card, Home loan, Personal Loan or Vehicle Loan!

2 We deal with mis-sold insurances and mis sold loans, these kind of insurances were usually put on to loans without you knowing! Or maybe you were not eligible for the product in the first place!

3. We obtain the information from your lenders on your behalf.

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

Easy! There are 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.

(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’ usually the refund will go directly back to you from us, in to your nominated bank account.

Please note: If the funds directly go back to you (Our fee is then owed direct to us, by you, within 14 days of refund confirmation)

If you have had a loan either active or finished, either a credit card, home loan, vehicle finance or personal loan then we need to check for you!

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

2. We obtain all relevant information from your lender on your behalf to check what is owed,

3. We will do our work to get the maximum refund owed to you. You just sit back, relax and we update you via email or via your portal.

We try our best to find this all for you with the lenders on your behalf.

If you have documents to hand we can also look at these for you, for example:

Car loan finance documents/contracts/invoices, applications 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.

When you add your claims you can provide account numbers which may help speed up the process for you – some financial institutions are not great at finding these documents quickly!

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 identification so we can verify you. We also will be in contact with you to maximise what you are owed!

We then can see if you have anything to claim, your situation would need merit for us to submit a complaint on your behalf but do not worry we can work with you on that one.

We will contact you via your email or your portal with all updates on your claim as we go! We are constantly to chasing until we have your outcome and will only be in touch once we have the response we need to update you. Please be aware, Some Financial institutions are suffering with delays.

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 $60000!

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

Over 90% of our clients were not aware of any refunds that were owed.

The Get My Refund service fee is 40% 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 fight for maximum refund potential for you, we have the knowledge and experience to understand what each individual claim should be entitled to! 

If No Refund is found, No fee is applied! 

If you do not get a benefit neither do we.

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 search, find and claim your refund. We care about educating consumers to know what to look out for and not be ripped off again!

We have helped thousands of customers get refunded already and if you are eligible, you can trust us to do the same for you. Check out our reviews here!

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!

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.

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.

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.

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.

Glad you asked!

You are in contract with us from the day you sign your terms with us in your portal, we deal and speak direct and 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 we have found this to 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.

We find these for you as part of our service, where possible.

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. 

If you have something for the company to remediate then it is because of a potential wrong doing that they are trying to fix – this does not get marked on your credit report. Future borrowing is assessed on a whole range of criteria, current financial status would be taken in to consideration at the time of application. Any prior hardship could be taken in to consideration. What they can not do is not lend to you again because you made a complaint with them. Each provider has an internal dispute process for a reason, they want to help us help you.


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 that the company will want to try help fix! Also it is our mission to help put things right for you and we will always have the best interests of our clients


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

Class Action FAQs

A class action is a lawsuit brought by a group of claimants who suffered wrongdoings in the hands of the defendant. This type of lawsuit is also known as multi-district litigation or mass tort litigation.

Since the compensation for individual injuries may pale in comparison to the cost of a lawsuit, banding a group of claimants together tips the scale in the other direction, making it a suit worth filing.

Besides the claimant attorneys, filing a lawsuit as a group allows consolidation of witnesses, evidence, and other aspects of litigation for enhanced efficiency.

If you opt in be informed that you waive your right to ever complain directly if you are not happy with the refund amount. Any settlement sums you are entitled to will be shared with all the other group members, some members will get more than others – plus deductions of lawyers fees and court costs.

We work on behalf of you as an individual on all insurances (if and where we can and not just the class action ones) and work towards obtaining the maximum refund you are entitled to! Class actions can take years to be approved and to go through court process, whilst our refund claims can be completed in a matter of weeks!

This in recent times has worked out to be more than 60% more refund potential in your pocket even after our fees!

Once opted out your refund claim can be completed in less than 60 days, dependent on the complexity of your individual case.