Cigno Pty Ltd

ABN: 43 612 373 734

Phone: (07) 5644 3500
Mob: 0437 873 910
Fax: 1300 66 14 15
Mail: PO Box 3362
AUSTRALIA FAIR, SOUTHPORT QLD 4215
Web: www.cignoloans.com.au
Email: info@cignoloans.com.au

Dylan Herlihy
24 Margaret Street
MOE VIC 3825
PRIVATE AND CONFIDENTIAL

Date: 29/10/2020
Client Ref: 3656471
Loan Ref: 4176906

DEFAULT NOTICE
Dear Herlihy,

URGENT ATTENTION REQUIRED!

A recent payment of yours has failed. This is a breach of your contracted dated 30/09/2020.

Details of the Returned (Dishonoured) Payment(s):

27/10/2020 Amount $198.85

Fees as a result of dishonour:

29/10/2020 Default Fee $79.00

Payment

As you have requested a payment amount of $199.00, we will continue to Direct Debit this amount from your bank account until your loan is settled.
Your payment intervals are Fortnightly and your next payment date is 10/11/2020.

If this is not suitable or if you would prefer a different arrangement, please contact us on (07) 5644 3500 or from a mobile on 0437 873 910 to advise us
of what proposals you have to bring your payments up to date. You can also text us and we will call you back.

If your payments are honoured in the future, your credit rating with us will not be affected.

We thank you for your support and look forward to being of assistance to you in the future.

Yours Faithfully,
Cigno Pty Ltd
 If you cannot make a repayment:
1. Contact us immediately

YOU NEED TO CONTACT US IMMEDIATELY

Contact us on (07) 5644 3500 or from a mobile, call or text 0437 873 910 or email collections@cignoloans.com.au to discuss your situation. If there is a
reason why you cannot make repayments we may be able to help you by agreeing to vary your contract. The sooner you contact us the easier it will be
to assist you. You can request changes to be made to your contract to help you repay the debt if:
you cannot make repayments due to hardship (for example, illness, unemployment or some other good reason); and
you expect to be able to make the repayments if the terms of your contract are changed.

You may request that we:

extend the term of your contract and reduce repayments; or
extend the term of your contract and delay payments for a set time; or
delay payments for a set time without extending the term of your contract.

Alternatively, you may request that we negotiate with you to postpone any further action that we may take against you. If you do not contact us before
30 days after the date of this letter, we may commence further action against you.

IMPORTANT

There is no guarantee that we will agree to change your contract or postpone any further action. After we receive your application, we will provide you
with a written notice within 21 days stating whether or not we agree to the change.

If we agree, you will receive a written notice detailing the agreement within 30 days.

If we refuse, we will provide you with reasons. You can have the decision reviewed.

Direct Debits from your Bank Account:

A direct debit repayment has been dishonoured (not paid). Contact us on (07) 5644 3500 or collections@cignoloans.com.au to arrange to make your
payment. Check your direct debit request before your next payment is due. Make sure you understand how your direct debit works and what to do if you
have a problem.

Are you unable to make a payment?

If you cannot make a payment, you should contact us immediately. Depending on your circumstances, we may make changes to the repayments under
your contract to help you repay the debt. You can ask us to:
extend the term of your contract and reduce repayments; or
extend the term of your contract and delay payments for a set time; or
delay payments for a set time without extending the term of your contract.

If we refuse your request, you can ask us to reconsider.

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