Licences, insurance and the rules I work to

What VCM holds

• NSW Commercial Agent Licence CAL000012335 (valid to 1 July 2027)
• Member of the Institute of Mercantile Agents (IMA)
• National police check up to date
• Insurances in place: public liability, professional indemnity and cyber
• ABN 20 913 691 147 · registered for GST

Laws and guidelines

• ACCC & ASIC Debt collection guideline for collectors and creditors (2021): when and how often we make contact, how we treat third parties, hardship, disputed debts and accurate representations.
• Australian Consumer Law, including the ban on undue harassment and coercion, and the state fair trading laws on prohibited debt collection practices.
• National Consumer Credit Protection Act 2009 (Cth) and the National Credit Code, including enforcement and repossession requirements for regulated credit. These are the credit provider’s obligations, and we act on their authority and instructions.
• Privacy Act 1988 (Cth) and the Australian Privacy Principles. See our Privacy policy.
• Court rules on the service of documents.

How I deal with people

• Contact is made only at reasonable hours, as set out in the ACCC/ASIC guideline, unless the person asks otherwise.
• No discussing a debt with anyone who has no legitimate interest in it.
• Hardship requests and disputes are passed straight to the client and handled sensitively.
• Each visit is written up with times, notes and photos.
• We never enter a home without permission, use force, or claim powers we don’t have.

Concerned about how we’ve dealt with you? See Complaints.