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Compliance

Our business practices are ethical, transparent and compliant.

NCML is committed to doing things the right way, with openness, honesty and respect. Our business practices are ethical, transparent and compliant, while our culture enforces integrity and strong principles.

The debt collection industry is governed by stringent guidelines which NCML is proud to abide by and, in some cases, has helped to shape. We are acutely aware of the impact of increased regulation and the subsequent challenges facing the sectors in which we operate.

Compliance is at the heart of everything we do. We make sure it's built into all of our processes and we adhere to all relevant regulations to protect our clients and others who deal with us.

Licences
  • SA - Agents Licence (Security and Investigations Agents Act 1995)
  • NSW - Master Licence (Commercial Agents and Private Inquiry Agents Act 2004)
  • WA - Debt Collector's Licence (Debt Collectors Licencing Act 1964)
  • Australian Credit Licence (No. 387854) (held by Credit Corp Acceptance)

Legislation

The conduct of debt collectors towards debtors (people obligated or allegedly obligated to pay a debt) is covered by provisions in a number of consumer protection laws including:

  • Fair Trading Act 2010 (administered by Consumer Protection)
  • National Credit Code (administered by ASIC)
  • Privacy Act 1988 (Commonwealth legislation)
  • Competition and Consumer Act 2010 (previously the Trade Practices Act 1974, administered by the ACCC)

Our compliance framework also extends to broader legislative requirements including the Telecommunications Act regarding call attempt frequency, Payment Card Industry Data Security Standard (PCI DSS), Anti Money Laundering and Counter Terrorism Legislation.

NCML maintains a secure data management framework, including an ISO27001:2013 certified Information Security Management System and certification to the Payment Card Industry Data Security Standard (PCI DSS).

As testament to our compliance systems, in 23 years of providing debt collection and recovery services, NCML has never had a compliance breach escalate beyond internal processes.

Quality Assurance

NCML is proud of its quality assurance systems and procedures. We dedicate significant resources to ensuring the quality of our services and we continually challenge our own business practices in order to stay innovative, compliant and cost-effective.

Our Quality Management System holds current certification to Australian Standard ISO 9001:2015. In 2011, we received an SAI Global Systems Excellence Award in recognition of 15 years' continuous certification for our Quality Management Systems.

This International Standard accreditation acknowledges our ability to consistently obtain high customer satisfaction while complying with all applicable statutory requirements, within a framework that promotes continuous improvement.

Industry Affiliations

NCML works closely with trade associations, government bodies and consumer groups to improve standards in the industry and to build customer confidence in what we do.

NCML has been a member of the Australian Institute of Credit Management (AICM), the Association of Credit and Collection Professionals (ACA) for over 20 years and is a member of the Australian Collectors & Debt Buyers Association (ACDBA). NCML is a signatory to the ACDBA Code of Practice. This underlines our commitment to maintaining and encouraging the highest standards of professionalism and integrity within the industry.

Privacy

We are committed to protecting and maintaining the privacy, accuracy and security of your personal information. We will comply with the Australian Privacy Principles (APPs) in the Privacy Act (Cth) 1988 (Privacy Act), and the Privacy Act.

On request from you we will provide details of the personal information we hold about you. The release of information is subject to some exceptions such as information relating to existing or any anticipated legal proceedings, together with exceptions provided by the Privacy Act.

To protect your personal information, we will need to verify your identify so that we can be sure we are releasing your personal information to the correct person. All correspondence should be addressed to:

The Privacy Officer
Mail: PO Box 2110, Melbourne VIC 3001
Phone: 1300 649 161
Email: privacy@ncml.com.au

You can view a copy of NCML’s Privacy Policy



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