Thomas understands that many people feel overwhelmed by the common belief that banks are overly litigious, have deep pockets, and are backed by teams of experienced lawyers and debt recovery specialists.

While there’s some truth to these perceptions, it’s important to remember that banks in Australia are still bound by the law. They must comply with a range of regulations, consumer laws, industry codes of practice, and common law.

Thomas’s expertise in this area covers, but isn’t limited to:

  • Responding to actions for the enforcement of mortgages or other personal securities;
  • Bringing claims of undue influence, fraud, or unconscionable conduct;
  • Providing written advice on mortgage or loan agreements;
  • Advising on whether there are legal grounds to challenge a mortgage, loan, or security agreement;
  • Responding to general debt recovery actions by banks;
  • Lodging disputes with the Financial Ombudsman Service; and
  • Offering guidance on how the Personal Property Securities Act affects your legal rights.

* Liability limited by a scheme approved under professional standards legislation.

† The material on the website is presented as general information only, is not intended as legal advice, and must not be relied upon as such. You should make your own inquiries and obtain independent professional advice tailored to your specific circumstances before making any legal decisions.

†† All enquiries for the performance of legal services should be directed to Thomas, through Hallewell Law, in the first instance.