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If you’re going for a pay day loan with Sunshine Loans on the Gold Coast, then read this review first. You might be able to get a better deal elsewhere.

The entire country is having a tough time right now with the economic outlook very bleak. The thing is: You need to be motivated to get a 2nd job today.

If you read the reviews of Sunshine Loans, they are less than ideal. Some people are refused finance after applying, but some people are successful too.

Not only are we going to share our opinion of this pay day lender based in Australia, but we’ll also talk about their debt collection practices.

Let’s begin now.

Sunshine Loans Review

There are many pay day loan companies now in Australia all promising to get you approved.

And do you wanna know the truth? Most of them are successful.

The real catch is the interest rates. Sometimes it can as high as 30%

Crazy…right? That’s a seriously high interest rate for any type of loan.

It’s a limit set by the Australian government. Some banks would love to charge 70% but that’s illegal.

The thing about the pay day lending market is the risk. They think you’re going to default.

That’s also why some of them like Sunshine Loans deny people loans. They simply cannot guarantee that you’ll be successful.

But they are a good company at the end of the day. With dozens of staff members plus they are very established in Australia, after serving for many years now.

Generally, it’s those who didn’t get approval who will knock them online with 1-star reviews. You just can’t win with these people.

Often it’s a good idea to just get a 2nd job if you’re needing money. This saves your credit history from another application or documented record. Plus – it’s often much less risk as well.

Our experience has shown that people are often taking out these loans for bad intentions. Things like using the short-term finance market to repay another debt is often a bad idea. Consider getting a payment extension or claiming financial hardship.

Sunshine Loans debt collection

Have you defaulted on your loan and are now being chased by Sunshine Loans debt collection agency? You’ve probably got a text message that says “Please contact us immediately on (07) 5635 4472” – It means you need to take immediate action to get your schedule back up to date.

If you don’t do anything, it only gets worse. They could take you to Court and force money out of you! Not only that, but you’re up for legal expenses too.

Debt collectors can do this

Curious what are the rights of debt collectors which represent Sunshine Loans?

They are allowed to:

• Come to your house and ask for payments as late as 9pm even on Sundays
• Call you up to 10 times per month but also send you SMS text messages
• Issue strongly written letters of demand seeking immediate debt payments
• Stalk your Facebook profile to see your friends and family members

It’s really scary to think what they are allowed to do. Guess what? The Australian government lets them get away with this every day. It’s called debt recovery action and it’s big business in Australia, right behind the payday loan market which is worth millions as a profitable business model.

Can I get a lower interest rate elsewhere?

Maybe. But if you’ve already been approved by Sunshine Loans, you might find little value. The entire finance application process is long and drawn out, so you could be waiting a lot longer for the money to arrive.

Most people just want same day approval and finance. It’s emergency money for them. If you are taking out a payday loan to feed an addiction or repay an overdue credit card or electricity bill, then please don’t do this. It’s just not worth it.

Are the Sunshine Loans complaints justified?

While there are Sunshine Loans complaints and negative reviews easily found here, some of them are just naturally angry people who will shout at anything when they don’t get their way. In most instances, this company is doing the very best they can with the lenders they have on their panel.

Instead, you should really consider whether you need the debt in the first place. Most people shouldn’t be taking out payday finance because the interest rates are sky-high and they have severe penalties if you miss repayments. This is legal under the Consumer Credit Code 2010 and ASIC also allows it.

How do I increase my chances of approval?

Here’s what you need to do:

1. Make sure all your required documentation is ready to be provided.
2. Show sufficient income proof including references from employers.
3. Dress properly! So many people go into their branches quite scruffy.

You should also expect that you might actually be denied finance with Sunshine Loans. Some people experience this and you shouldn’t be upset by this at all.

They partner with several banks who have a good reputation all across Australia.

So how can you help me?

The Debt Free Community helps those who are having a challenging time with debt collectors. If you’re having a challenging time right now and ignoring those phone calls, letters of demand and text messages, then you might want to speak with our recommended team.

We’re simply here to help. In fact, our first phone call is FREE. Just get in touch and let’s see how your challenges can be resolved much more easily.

Getting started

We would recommend Sunshine Loans. They do have bases all across the east coast of Australia. While they do have high interest rates, for many people it’s the last chance that they have in such challenging times.

And if you happen to be going through a challenging time, then get in touch with us today or call the National Debt Helpline.

Because we’d hate for you to have the fear and anxiety of dealing with debt collectors. They can often be rude and unhelpful. Instead, our team can sort the mess out for you and get you on the road to recovery.

I’m guessing that you’ve just been contacted by Shield Mercantile debt collection. They’re chasing you since you or someone that you know owes them money!

This isn’t a time to be relaxing. It’s a real and serious consequence of avoiding your debt obligations which have ramifications within the community.

In this guide, we’ll be talking about Shield Mercantile and how you can stop their debt collection phone calls, text messages and demanding letters.

Let’s start this!

Who is Shield Mercantile

This is one of Australia’s smaller debt collection agencies that recoveries money on behalf of businesses such as banks and service providers. Often you’ve had a past debt that went unresolved and now it has been passed on (or rather, sold) to Shield Mercantile.

They’re based in Parramatta but serve clients across Sydney, Melbourne, Brisbane and in fact most of Australia.

How they work is basically a call centre of people calling up people who owe money each day, every day. Like they can call you at work and even speak to your boss about this matter.

Not only that, but demanding letters and text messages are routinely sent out. This way they can use it in Court later down the track, depending on the size of your debt(s).

And yep – they can take you to Court if they wish. They’ve got documentation from your previous service provider or bank that shows you’re owing money which you didn’t pay.

This is why you need to be proactive. The National Debt Helpline is always available if you’re truly struggling. Some people will benefit from contact Shield Mercantile directly.

On the other hand, others will be nervous to speak on the phone and admit that they are broke. You know – you lost your job, the dog is sick and food needs to go on the table.

If that’s you – then get in touch because we can recommend you to someone fantastic who can speak with Shield Mercantile on your behalf! This way all the phone calls and letters can stop right away. It’s initially a FREE phone advice service.

But anyway, let’s address some common questions.

Shield Mercantile Complaints

There are dozens of people who are unhappy with the conduct of Shield Mercantile. Find out why! Basically, their staff can be rude and unwilling to listen to your poor story about why you can’t pay your debt obligations under Australian laws.

Can they call me every day?

Yes – they can call you up to 10 times per month. They can actually call you 10 days in a row before taking a 20-day break. They’re allowed to call up to 9pm at night and even on Sundays!

Why are they calling me?

You owe a debt or perhaps someone you know owes a debt. They’re calling because they want it to be repaid, even if it’s just a payment plan. Ignoring your phone won’t work for them as they will become more and more aggressive.

Is it true that they have stalked me on Facebook!

Potentially the damage has already been done. Maybe they’ve looked at your photos and status updates. They can see who your friends are and will probably start contacting them now too and see if they can fish some money out, or just make things very awkward for you. Imagine that conversation at the next family BBQ. ?

How can you help?

The Debt Free Community can help by showing you our recommended mediation service. It’s a FREE phone call to assess your situation so they can see if completely stopping the phone calls and letters is possible. Maybe it is…maybe it isn’t. The only way to know for sure is to reach out to us today. It could be a match!

Next steps

You simply can’t ignore the reality of the situation here. Shield Mercantile have years of experience in the field of Australian debt recovery…and you can’t hide!

They have all the data and information they want. Some debt collectors even hire private investigators which can even knock on your front door. Scary thought, isn’t it?

Now – that doesn’t need to happy. You can solve these issues by addressing the root cause of the issue. That is: There is debt recovery action being done, and you need to do something NOW.

Make it happen today!

So you’ve been contacted by phone call, SMS or a nasty letter from Charter Mercantile regarding a debt. Here’s what you can do!

These buys are based in Queensland (Redcliffe) and often chase people who have forgotten to pay their bills with Telstra and other companies, such as Optus and Vodafone.

We’ll do our best to give our perspectives of what you can do.

Charter Mercantile Agency

There are many debt collectors in Australia who are chasing unpaid bills. People move houses, others just forget about their obligations and some purposely just run.

Charter Mercantile is an agency based in North East Brisbane and is where people’s debts go to get collected professionally. They have a well-trained sales team whose job it is to get money from everyday Australians.

You might get contacted and get a voicemail saying “Please contact Charter Mercantile on (07) 3620 7500 for an urgent personal matter”

Often they are collecting for Telstra bills that you’ve forgotten about, but sometimes they serve other clients too. Vodaphone and Optus for instance.

When you read the reviews about Charter Mercantile, often people are UNHAPPY with their services. Like people have said their staff are rude and unhelpful.

But then again – you gotta ask yourself: Are these people simply running from their financial obligations? Often this is the case, so they just leave a negative review when someone didn’t say “You can just pay $0 forever”.

Understandably there are times when people are in dire straits and just can’t pay. Their lives have just been challenging and they’ve hit rock-bottom.

For those doing it really tough right now, we would recommend the National Debt Helpline.

So we’ve outlined what Charter Mercantile is, let’s discuss some common questions.

Is Charter Mercantile a scam?

No – this is NOT a scam company. Charter Mercantile is a proper business based in QLD whose focus is on calling people like you seeking debt recovery. They want your money and you probably owe them. It’s time to take action here!

What should I do?

You need to be proactive. This isn’t time to sleep. You’ve got an obligation to step forward today. If you don’t respond to their demands, then it only gets worse. Sometimes much worse, with fees, charges and additional interest added to the debt!

How did they get my details?

That’s easy! You had an old debt with someone else, maybe a phone service provider. Because that debt has now been sold to Charter Mercantile, this agency has all your details including your real address, work address and phone number. What’s worse is that some debt collectors do go through your social media accounts already including Facebook and Instagram. That’s unlikely to be the case with Charter Mercantile but still scary, isn’t it?!

Are they legal and legit?

These guys aren’t lawyers, but they are legally able to operate. They have to stay compliant with Australia’s tough debt collection laws. That said – they are allowed to call you until 9pm at night, plus stalk you on social media. I’m legit here – there is nothing in Australian laws that prevents this.

Sorting out Charter Mercantile phone calls, letters and messages

The best way to address any contact with these guys is through resolving it. Charter Mercantile want you to pay up which is why they are quite demanding, but luckily you don’t need to talk to them directly. Regardless, you can’t ignore SMS messages, phone calls or letters…or else it will get worse!

Can’t I just ignore them?

No – you can’t. Definitely you shouldn’t either because ignoring them typically makes things worse. I would absolutely recommend that you stand up and pay attention, otherwise you risk payment penalties and more interest accruing. This is serious business.

How can you help?

The Debt Free Community is a great resource to help individuals like yourself to work through tough times like this. We’re a marketing company that recommends a fantastic service to help you through debt collection issues, so you don’t have to talk to the debt collectors yourself.

Moving forward today

Charter Mercantile is a debt collection agency whose mission is to recover money.

You really have 2 choices here:

1. Pay up today by contacting them directly (Our recommendation)
2. Get in touch and our recommended service can talk to them on your behalf.

Option #2 is a good one if you’re not confident enough to pick up the phone. The caring team will listen to your challenges and hopefully find a solution that fits your needs.

The 1 thing you can’t do is ignore what is happening. It’s really bad news for you and bankruptcy will tarnish you for years to come!

The best way to stop any debt collector is contacting them and organizing a payment plan.