Credit Guide

1. About Us

We are NRG Global Recoveries Pty Ltd, trading as National Reboot Group.

2. Our Authorisation to Provide Credit Services

We are a credit representative, which means we are authorised to engage in credit activities on behalf of a licensed credit provider. We are not a credit licensee ourselves.

We are authorised under:

You can verify our authorisation and the licence status of MCR Advisors Pty Ltd on ASIC’s website at www.asic.gov.au by searching the Professional Registers.

3. The Credit Assistance Services We Provide

We provide debt management and credit assistance services to help you manage your financial situation. Our services include:

Debt negotiation: We negotiate with your creditors on your behalf to seek reduced settlement amounts, waiver of fees or interest, or other favourable outcomes.

Hardship assistance: We help you apply for hardship variations to your credit contracts, which may include reduced payments, payment deferrals, or extended loan terms.

Credit report review: We review your credit report to identify potential errors or listings that may be disputed, and assist you in seeking corrections where appropriate.

Complaint lodgement: Where you have a legitimate dispute with a credit provider, we can prepare and lodge complaints with external dispute resolution schemes such as the Australian Financial Complaints Authority (AFCA).

Creditor communication: We act as your authorised representative in all communications with your creditors, relieving you of the stress of dealing with collection calls and correspondence.

4. What We Do Not Do

It is important you understand the limitations of our services:

We do not provide loans or any form of credit.

We do not provide legal advice. If you need legal advice, you should consult a qualified solicitor.

We do not provide financial advice or recommend specific financial products. If you need financial advice, you should consult a licensed financial adviser.

We do not guarantee any particular outcome. While we will use our best efforts to achieve favourable results, the final decision on any debt settlement, hardship application, or dispute rests with your creditors or the relevant dispute resolution body.

We do not make payments to your creditors on your behalf (unless specifically agreed in writing).

5. How We Are Paid

We are paid directly by you, our client. We do not receive commissions or other payments from your creditors or any third parties in relation to our debt management services.

5.1 Our Fee Structure

Our fees will be explained to you in detail before you engage our services and will be set out in your Client Services Agreement. Depending on the services you require, our fees may include:

Establishment fee: A one-time fee payable when you engage our services, covering initial assessment and setup of your matter.

Monthly service fee: An ongoing fee for the management of your matter, including creditor communications and progress monitoring.

Success fee: In some cases, a fee calculated as a percentage of savings achieved through successful debt negotiations.

Per-creditor fee: A fee for each creditor we negotiate with on your behalf.

The specific fees applicable to your matter will be clearly disclosed in your Client Services Agreement before you are required to make any payment.

5.2 Referral Arrangements

If we refer you to another service provider (such as a finance broker for asset finance), we may receive a referral fee or commission from that provider. We will disclose any such arrangement to you before making the referral, including the amount or method of calculating the fee we will receive.

6. What to Do If You Have a Complaint

We are committed to providing high-quality service. If you are not satisfied with our services, we want to hear from you so we can try to resolve your concerns.

6.1 Contact Us First

In the first instance, please contact us directly to discuss your concerns:

Phone: 1300 553 132

Email: complaints@lightslategray-shark-270246.hostingersite.com

Post: 526/368 Suxxex Street, Sydney, NSW 2000

We will acknowledge your complaint within 1 business day (or as soon as practicable) and aim to resolve it within 30 days. If we need more time, we will let you know the reason and keep you informed of progress.

6.2 External Dispute Resolution

If you are not satisfied with our response, or if we have not resolved your complaint within 30 days, you may refer your complaint to the Australian Financial Complaints Authority (AFCA). AFCA provides a free and independent dispute resolution service.

Time limits may apply to complaints to AFCA, so you should act promptly. Please check AFCA’s website or contact AFCA for more information about their processes and any applicable time limits.

7. Your Privacy

We are committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

To provide our services, we will need to collect personal information from you, including your identity details, financial information, and information about your debts. We may also need to access your credit report.

We will use your information to provide our services, communicate with your creditors, and comply with our legal obligations. We will only disclose your information to third parties where necessary to provide our services, or where required by law.

Our full Privacy Policy is available on our website or upon request. It explains in detail how we collect, use, and protect your personal information, including information about overseas disclosure of your data.

8. Acknowledgement

By engaging our services, you acknowledge that:

(a) You have received and read this Credit Guide;

(b) You understand the nature and scope of the services we provide;

(c) You understand how we are paid for our services;

(d) You understand how to make a complaint if you are not satisfied with our services; and

(e) You consent to us collecting and using your personal information as described in this Credit Guide and our Privacy Policy.

This Credit Guide is provided in accordance with section 158LA of the National Consumer Credit Protection Act 2009 (Cth) and Regulation 25B of the National Consumer Credit Protection Regulations 2010.

Version: 1.0

Effective Date: 01/12/2025

Last Updated: 12/12/2025