Direct Debit |
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| To set up a new direct debit or to update your existing details,
simply print and return a completed Direct Debit Form.
Please return the completed form via:
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Facsimile 1300 780 932
OR
Reply Paid Post AAA260
Direct Debits
Esanda Service Centre
G.P.O Box 1678P, Melbourne, Victoria, 8060
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Note:
No postage stamp required. Requests will be completed within 3 business days* of receipt.
* Only if all account details are correct at time of receipt.
How do I pay out my loan? |
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| To ensure a smooth finalization of your agreement it’s important to
have an accurate payout figure calculated. Before you pay out your agreement simply call 13 23 73.
We’ll be happy to help assist with the calculation of your current payout figure and can organize any
paperwork required.
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What payment methods can I use for my Esanda Contract? |
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| Payment Methods available for Esanda Contracts are as follows:
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Can I make additional payments on my Esanda Contract? |
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| Yes. You can make additional payments to your contract at any time
to either bring your account up to date, or to put your account in advance.
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Can I reduce the amount of my payments? |
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Yes. If you place your account in advance you
MAY make reduced payments or suspend your payments, however you must
ensure your account remains in advance at all times.
Your contract specifies the minimum monthly payments you must make.
Direct Debit amounts can not be reduced below the minimum monthly payment rate as specified in your contract.
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Can I suspend my payments? |
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Yes. If you place your account in advance you MAY suspend your
payments, however you must ensure your account remains in advance at all times.
Direct Debit payments may be suspended as long as your account remains in advance at all times.
You can do this by simply calling our Service Centre on 13 23 73.
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Can I use a credit card to make payments? |
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No. You’re not able to use another credit facility to pay an Esanda contract directly.
Similarly, Direct Debits aren’t available from credit cards at this stage.
Some banks MAY offer the facility to make Periodical Payments from a credit card;
you should make inquiries directly with your own bank.
It may be possible to make a BPAY payment from your credit card if your bank offers this
facility on your credit card account. Generally BPAY from Credit cards are treated as cash advances on your
credit card and may accrue additional interest according to your bank’s terms and conditions of usage.
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How do I arrange to make a late payment? |
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Easy. Late payments must be arranged by calling our service centre on 13 23 73.
We’ll then assist you with making a temporary payment arrangement.
Direct Debits require a minimum of 72 hours to cancel or alter.
If you request to alter a Direct Debit with less than 72 hours notice, we can’t guarantee your request
will be processed in time to affect the existing payment arrangement and dates.
It’s your responsibility to have funds available in your bank account to be drawn on the contracted dates.
Any dishonour fees charged by your bank or the late cancellation of a Direct Debit fee will be incurred by
you and unfortunately cannot be refunded by Esanda.
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Can I change my payments from monthly to fortnightly? |
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No. The payment terms are set at the acceptance of your contract,
so that’s the time you must choose the option to make fortnightly or monthly payments.
Once the contact has been accepted by Esanda, your payment due dates form part of the terms and conditions of
your contract and can’t be varied.
If you’d like to pay extra into your contract you can. As soon as your account is in credit
this allows you a degree of flexibility regarding exactly when you want to make your payments.
If your payments are received after the monthly due date, you may incur interest penalties.
You can avoid this by placing your account sufficiently in advance. Payments can then be made at your own
convenience either over the counter at an ANZ bank, Via BPAY, or through a Periodical Payment.
Direct Debits are always on the days specified by an electronic version of your contract.
These dates represent the DUE DATE of your payments and can’t be varied on an ongoing basis.
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Can my repayments be changed to coincide with my pay dates? |
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No. The payment terms are set at the acceptance of your contract.
Once the contract has been accepted, your payment due dates form part of the terms and conditions
of your contract and may not be varied. The payment due date can’t be changed to coincide
with pay dates.
An option, however, would be to make an extra payment – this puts the contract in advance,
then you can make future payments coincide with your payday. That way your contract doesn’t fall
in arrears.
Direct Debits will always occur on the days specified by an electronic version of your contract.
These dates represent the DUE DATE of your payments and can’t be varied on an ongoing basis.
Temporary arrangements, however, are available. By calling our service centre on 13 23 73.
Periodic Payment arrangements that you made with your bank must occur at the intervals
you have chosen. We are unable to vary or alter the Period Payment arrangements made with your bank.
Please contact your bank branch to change periodical payments.
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Can I view my Esanda Account online? |
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| This facility is not available.
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What do I have to do if I change my car rego? |
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Simple. Vehicles under finance in Australia are registered with
state-based bodies variously known as The Vehicles Security Register (VSR) or Registry of
Encumbered Vehicles (REVS).
You must ensure all vehicle details are accurate at all times.
If you don’t, your vehicle details are likely to match with other cars under finance,
either with Esanda or other finance companies.
Otherwise, inadvertedly, requests for payout faxes or documentation could be delayed, or worse,
sent with incorrect vehicle details. This frequently causes confusion or problems for customers who
haven’t notified us of changes. For example, if you’ve forgotten to notify us of a change in
registration or the VIN of a replacement engine, you could delay the settlement and transfer of
your vehicle on completion of your contract.
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How do I have my car removed from The registry of Encumbered Vehicles? |
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Under normal circumstances vehicles under finance take a minimum
of 5 days after the payout of the contract to be removed from VSR or REVS,
this is to allow clearance of funds.
If you’d like to arrange removal of a vehicle from the VSR or REVS without
a clearance period, the contract needs to paid out in clear funds. i.e. cash
or direct funds transfer. Note, bank cheques are not considered clear funds.
Esanda will need written confirmation from the ANZ bank at which the contract is paid out,
confirming the method of payment and stating that all funds are cleared. The bank can fax
this directly to our VSR area.
We’d prefer confirmation through a ‘trancoded receipt’ with a cash stamp or a print-out of
the direct funds transfer with account details including BSB, amount, and account or contract number.
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Do I have to insure my financed vehicle? |
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Absolutely. The terms and conditions of your contract require that your vehicle
be comprehensively insured at all times.
You must make sure that your Insurance Company is aware that the vehicle is under finance.
This means they’re able to set the premiums at a rate that’ll allow them to completely pay-out
cover the final payout figure of your contract in the event that your vehicle is stolen and un-recovered
or written off.
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How do I cancel my insurance? |
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| No problem. First, contact your own insurance company
directly and request that your insurance be cancelled. If we financed the cost of your
insurance within your contract when it was first established, the refund will be forwarded to us.
You can either choose to have this money credited towards paying off your contract, or you may have
the refund returned to you by cheque. You will need to contact us to let us know what you’d like us to do.
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Is it possible for Esanda to pay for the new insurance? |
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| Not really. Once your contract has been established,
we’re unable to increase the amount already financed. If, however, you financed the
cost of insurance within your original contract and you want to change insurance companies,
all you need to do is cancel the insurance with your original insurance company,
then advise us, either in writing or verbally, of the new insurance company name,
policy number and the expiry date. We’ll then follow up with your new insurance
company and forward them any refund from your old insurance.
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Can the balance of my insurance refund be forwarded to me? |
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Yes. If there’s any balance left after paying for the new insurance and you’d
like it refunded to you, simply fax or send a letter to us. We’ll forward a cheque to you.
Unfortunately, we can’t process any refunds verbally.
Important: We can only return refunded insurance money to you if your account is in credit.
The amount of funds we’re able to return to you is limited to the amount your account is in credit after return
of insurance refunds
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Why have I received such a small refund from the insurance company? |
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| It varies. You’ll need to contact your insurance company directly to discuss
the amounts refunded and the duration of your cover.
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I have cancelled my insurance but I have still not received the refund. Where is it? |
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| As soon as we receive funds and advice from your insurance company,
we note the details of your contract and take action on any requests received.
To determine he status of your refund, the first step is to check with your insurance
company to see if they have issued the refund, how it was issued and where they have sent it,
before contacting us. If they have issued a cheque, ask them if the cheque has been presented.
Once you have this information, if you still need to contact us, we will have enough information
to track any outstanding refunds.
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How do I contact Esanda whilst I am overseas? |
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Easy. You can call us on +61 3 9666 9100 and ask to speak to a customer service agent.
Alternatively, you can leave a message via the customer service contact section of this website.
Don’t forget to leave your contact details, the country you are currently staying in and all
the relevant area codes; if you want your query to be answered by phone.
Otherwise we’ll contact you via the e-mail address you give us.
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