Can a complaint be made about interest rates and fees?

Generally we cannot consider disputes about the quantum of fees and interest rates as these are  matters of commercial policy. However we may make a ruling where we consider fees and interest are unreasonable, oppresive or irresponsible in the context of the issue, or if they have been incorectly disclosed.

The Credit Contracts and Consumer Credit Amendment Act  2014 which includes the Responsible Lending Code stands precedent over commercial policy

FDRS may consider the complaint if it believes a scheme member has applied an incorrect fee or interest rate in error or in breach of a contract .