Faulty Car on Finance: Letter to Your Lender (Linked Credit and Hold Repayments)
Rejecting a new or used car that is still on finance? This $29 letter to your lender explains the dispute, asks how the loan will be paid out if the car is rejected, puts the lender on notice where the dealer arranged the finance (linked credit under the Australian Consumer Law), and asks for a hardship arrangement to hold or reduce repayments meanwhile.
What this document does
- A letter to your lender explaining the dispute and the steps you have taken
- A request to confirm how the loan is paid out and closed if the car is refunded
- Where the dealer arranged the finance: notice that the lender may be a linked credit provider under the Australian Consumer Law
- A hardship request under the National Credit Code to pause or reduce repayments meanwhile
- A request not to list a default while your request is considered
- Where to go next: AFCA, which is free for consumers
What we'll ask you
Plain-English questions, one at a time. No legal knowledge needed — if you don't know an answer exactly, your best estimate is fine.
- Who is the lender? The name on your loan contract.
- Your loan or account number, the amount still owing (roughly) and your repayment.
- Who arranged the finance?
- Which dealer sold you the vehicle?
- What is the vehicle? Make, model, year, rego or VIN, new or used, when you bought it, what you paid and the kilometres now.
- In a few lines: the fault, and what you have done (rejection notice, demand, regulator complaint), with dates.
- What do you want from the lender while the dispute is sorted?
- You approve it before it is sent
- 2 free amendments included
- All Australian states and territories
- Stripe secured · 256-bit encrypted
Car Finance Lender Letter — drafted to the right state law
One document, eight jurisdictions. We only ever cite the Act, regulator and tribunal for your state, so nothing from another jurisdiction bleeds into your car finance lender letter.
New South Wales
NEW SOUTH WALES DEALER GUARANTEE (in addition to the Australian Consumer Law. A motor dealer (anyone carrying on the business of dealing in motor vehicles, s 5.
Victoria
VICTORIA (dealer located in Victoria). STATE DEALER WARRANTY: Motor Car Traders Act 1986 (Vic) s 54, which is part of the sale contract (s 54(2)) and binds any motor car trader, meaning a person carrying on the business of trading in motor cars, licensed or not (s 3).
Queensland
QUEENSLAND DEALER STATUTORY WARRANTY (in addition to the Australian Consumer Law. A warranted vehicle is a used motor vehicle other than a motorcycle, a commercial vehicle (built mainly for carrying or hauling goods, or designed to carry more than 9 persons.
Western Australia
WESTERN AUSTRALIA (the dealer's state). STATE DEALER WARRANTY: Motor Vehicle Dealers Act 1973 (WA) ss 34-34F, which is in addition to the Australian Consumer Law (s 47: the Act does not limit any right the buyer would otherwise have).
South Australia
SOUTH AUSTRALIA (the dealer's state). STATE DUTY TO REPAIR: Second-hand Vehicle Dealers Act 1995 (SA) s 23, which is in addition to, and does not derogate from, any other Act or civil remedy, including the Australian Consumer Law (s 5).
Tasmania
TASMANIA (dealer located in Tasmania). STATE DEALER WARRANTY: Motor Vehicle Traders Act 2011 (Tas) Part 4.
Australian Capital Territory
AUSTRALIAN CAPITAL TERRITORY STATUTORY WARRANTY (in addition to the Australian Consumer Law.
Northern Territory
NORTHERN TERRITORY DEALER'S DUTY TO REPAIR (in addition to the Australian Consumer Law; s 168(6)(b) says nothing in s 168 derogates from ACL ss 54 and 55): Consumer Affairs and Fair Trading Act 1990 (NT) (CAFTA) Part 10, Division 5, Subdivision C, ss 168-171 (s 168 'Obligation of dealer to repair certain defects').
From your answers to a finished Car Finance Lender Letter in three steps
Answer 7 quick questions
Who it’s about, what happened and what you want. Plain English, one question at a time.
We draft it for your state
Your Faulty Car on Finance: Letter to Your Lender (Linked Credit and Hold Repayments) is drafted to the legislation, regulator and tribunal for your state or territory, then formatted as a professional PDF. Usually ready within about five minutes.
Review, approve, sent
The draft lands in your dashboard for you to check. Nothing goes to the other party until you approve it — then we email it on your behalf and record the delivery. Two free amendments included.
Ready? Start now.
No card required until the end. No account needed to start.
Start My Car Finance Lender Letter — $29 →$29 flat fee · You approve it before it is sent · edit it yourself any time, plus 2 redrafts
Everything about the Faulty Car on Finance: Letter to Your Lender (Linked Credit and Hold Repayments)
How much does the Car Finance Lender Letter cost?
A flat $29 AUD, including GST. There is no card required to start, no subscription and no hourly rate — you see the full summary of your answers before you pay.
How long does it take?
There are 7 questions, which take a few minutes to answer. You see a full summary of your answers before you pay; your document is drafted once your payment is confirmed.
Is it sent automatically, or do I see it first?
You see it first. The draft lands in your dashboard for review; nothing goes to the other party until you approve it. Once you approve, we email it on your behalf and record the delivery.
What if I need changes?
You read the full Car Finance Lender Letter on your dashboard before anything is sent. You can change the wording yourself or ask for a redraft, with unlimited edits and 2 redrafts included.
Does it work in my state?
Yes. The Faulty Car on Finance: Letter to Your Lender (Linked Credit and Hold Repayments) is drafted to the law of the state or territory the matter is in — NSW, Victoria, Queensland, WA, SA, Tasmania, the ACT and the NT — citing the right Act, regulator and tribunal or court for that state.
Can I just stop paying the loan?
No. Stopping payments can lead to default and enforcement. The letter asks the lender for a hardship arrangement, which it must consider, and you keep paying what you can until it agrees.
What is a linked credit provider?
Broadly, a lender that has an arrangement with the dealer to finance its sales, for example finance signed at the dealership. Under the Australian Consumer Law a linked credit provider can share liability with the dealer for some losses, within limits.
Is Claim Done a law firm?
No. Claim Done drafts documents from your answers. It is not a law firm and does not give legal advice. Your state Fair Trading or consumer affairs office and the ACCC can explain your rights for free, and Legal Aid or a community legal centre can help with a complex or high-value matter.
Other government & complaints documents
Put it in writing today.
A few quick questions and your Faulty Car on Finance: Letter to Your Lender (Linked Credit and Hold Repayments) is drafted for your state. No card required until the end.
Start My Car Finance Lender Letter — $29 →