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The Home Loan Complaint Letter is a crucial document in the Australian financial services landscape, designed to formally address issues arising from residential mortgage arrangements. This document is typically used when a borrower needs to raise concerns about their home loan terms, conditions, services, or treatment by their lending institution. It serves as the first formal step in the dispute resolution process, documenting specific issues, previous communication attempts, and desired outcomes. The letter must align with Australian banking regulations and consumer protection laws, including the National Consumer Credit Protection Act 2009 and the Banking Code of Practice. It can address various issues such as incorrect fees, interest rate disputes, loan term modifications, hardship considerations, or service quality concerns. The document may form part of the evidence trail if the matter requires escalation to the Australian Financial Complaints Authority (AFCA).

1. Sender's Details: Full name, address, account number, and contact information of the complainant

2. Recipient's Details: Name and address of the bank/lender, including specific department if applicable

3. Date: Current date of the letter

4. Subject Line: Clear identifier of the complaint topic and loan account number

5. Loan Details: Specific information about the home loan including account number, date of establishment, and original loan amount

6. Complaint Description: Clear and factual description of the issue(s) with relevant dates and details

7. Impact Statement: Explanation of how the issue has affected you financially or otherwise

8. Previous Communication: Summary of any previous attempts to resolve the issue

9. Requested Resolution: Clear statement of what outcome you are seeking

10. Response Timeline: Specified timeframe for expecting a response

11. Closing: Professional closing statement with signature