Complaints scheme: COSL

1,569 of the 47,127 credit representatives on the register — 3.3% — have COSL recorded as the scheme that would handle a complaint about them.

The Credit Ombudsman Service. It became the Credit and Investments Ombudsman and was then merged into AFCA on 1 November 2018.

This scheme no longer exists. COSL was merged into AFCA on 1 November 2018, so these 1,569 register entries name a body that has not operated for years. In practice this almost certainly means the entry was never updated — the representative will be an AFCA member like everyone else. But if you need to complain, go to AFCA, not to a scheme that closed.

Where they are

Which licensees they work under

• CONNECTIVE CREDIT SERVICES PTY LTD — 248
• BEAGLE FINANCE PTY LTD — 95
• FINSURE FINANCE & INSURANCE PTY LTD — 83
• OUTSOURCE FINANCIAL PTY. LTD. — 69
• YELLOW BRICK ROAD AGGREGATION PTY LTD — 32
• QUANTUM BUSINESS FINANCE PTY LTD — 27
• OXYGEN BROKING SERVICES PTY LTD — 26
• CUSTOM EQUITY GROUP PTY LIMITED — 22
• EQUITY FINANCE & MORTGAGES PTY LTD — 16
• AUS LOANS PTY LTD — 16
• POSITION FINANCIAL SERVICES PTY LTD — 16
• MY LOCAL BROKER PTY LTD — 15
• QLD PACIFIC FINANCE PTY LTD — 15
• FINLEASE (AUSTRALIA) PTY. LIMITED — 11
• YELLOW BRICK ROAD FINANCE PTY. LIMITED — 10
• MORTGAGE HOUSE OF AUSTRALIA PTY LTD — 9
• PREMIUM BROKER PTY LTD — 9
• AUSTRALIAN FINANCE GROUP LTD — 8
• INOVAYT PTY LTD — 8
• DOSH FINANCE PTY LTD — 8

Some of them