If you have a complaint about our product or service, please contact your nearest Heritage Isle Credit Union Office. The credit union has a formal process for handling complaints. The credit union will work quickly to rectify the problem or explore the situation. We will address your complaint immediately. If you are not satisfied with this, you can ask for your complaint to be reviewed by our senior management. If we are unable to resolve your concern, you may request it to be reviewed by the Financial Ombudsman Service Limited (FOS). This is a free service available to you. For more information on our dispute resolution process, please ask at any of our credit union branches for a free brochure. Contact details for FOS: The Financial Ombudsman Service Limited GPO Box 3 Melbourne Victoria 3001 Phone: Freecall 1300 780 808 Facsimile: (03) 9613 6399 Website: www.fos.org.au Email: info@fos.org.au | 
