We trust that you have had a pleasant experience with the service and credit advice provided by Luke Kouzapa Finance Service Pty Ltd (LKFS). t/as Dreamloans and your credit adviser however if you have a concern or complaint this can be directly raised with our company in accordance with our internal dispute resolution procedures.  A copy of our internal dispute resolution policy is available on request.

You can submit a complaint or concern directly to us either in writing to:

Luke Kouzapa Finance Service Pty Ltd (LKFS). t/as Dreamloans
Dispute Resolution Officer
102 Payneham Road
St Peters SA 5069


By phone 1300 780 050 or fax 1300 737 005


By email admin@dreamloans.com.au

It is always our objective to deliver the best possible service and outcome to our clients and we treat dissatisfaction or complaints very seriously. We undertake to contact you within 24 hours of receiving the complaint with a view of to resolve the concern as quickly as possible.

As a further commitment to the customer experience, Luke Kouzapa Finance Service Pty Ltd (LKFS). t/as Dreamloans and each of its credit representatives are members of an external, independent dispute resolution scheme which can be contacted as follows:

Credit Ombudsman Service Ltd (COSL)

P – 1800 555 677

COSL is a dispute resolution scheme which assists a customer to resolve complaints with their financial services providers. They provide an independent and impartial dispute resolution service as an alternative to legal proceedings for resolving complaints with members. If we are unable to resolve your complaint, COSL is an alternative service, which is free of charge and approved by ASIC.

A copy of COSL’s dispute resolution policy is available at www.cosl.com.au/Make-a-complaint or by request to us.