Stephen Morrison/The Loan Operator iscommitted to the efficient and fair resolution of all client complaints as and when they are received. This level of fairness in treatments applies to all involved in any complaints or dispute process.

Stephen Morrison/The Loan Operator has two types of dispute resolution processes for clients:
Internal Disputes Resolution; and
External Disputes Resolution.

Internal Disputes Resolution Scheme
Our internal complaints handling system is easy to understand and in plain English. Stephen Morrison will make every effort to ensure that the client has every opportunity to express their concern and complaint.

If you have a concern or complaint with us you may:
Email us at –
Talk to our Complaints Manager by calling 1300 888 416
Write a letter addressed to Level 1, 23-27 Wellington St, St Kilda, VIC 3182
Talk to your NewCo Credit Representative

Upon receipt of a concern or complaint, we will discuss the issue with you and undertake any necessary investigation to resolve the issue.
All client complaints must be responded to within 5 days of receipt of the initial complaint.
Unless unforeseeable circumstances arise, all client complaints are to be resolved within 6 weeks of receipt.
If after this 6 week period the complaint remains unresolved, you will be informed in writing that your complaint cannot be resolved and we will inform you of your right to continue through an External Complaints Resolution Scheme of which NewCo is a member.

External Complaints Resolution (CIO)
NewCo is a member of CIO (Credit & Investments Ombudsman Limited), clients are free to make enquiries with CIO to addresses any grievances they may have.

Complaints can be lodged with CIO electronically via their website, or in writing to:

Credit & Investments Ombudsman Limited
C/- Case Management Team
P.O. Box A252
Sydney South NSW 1235

Using the Online Complaint Form:

Office Hours are Monday to Friday 9.00am – 5.00pm (Sydney time)

Contact Details: Ph: 1800 138 422
Fax:(02) 9273 8440