North's commitment to you

The management of complaints is a critical way we demonstrate our customer focus. Mistakes happen, and we don’t always get things right, but how we deal with the mistake when brought to light is our opportunity to improve our relationship with you.

A complaint is an expression of dissatisfaction made to or about North, related to its products, services, staff or the handling of a complaint, where a response or resolution is explicitly or implicitly expected or legally required.

We put fair customer outcomes at the centre of our decision making. Even when the customer outcome demonstrates North has acted honestly, efficiently, fairly, and in compliance with all regulatory requirements, a complaint still lets us know that a customer is dissatisfied, giving us the opportunity to improve the relationship and to continually improve as an organisation.

Our staff seek to understand customer issues, respond empathically, and provide a fair outcome for the customer, as quickly and easily as possible, or escalate as needed to resolve the complaint.

What you can expect


We aim to ensure that the complaint handling process is easy to use and that your voice is heard. Knowing when we haven’t got it right helps us to identify ways to continually improve and continue to offer you the products and service you need.

Responsive – We’ll ensure all our interactions are respectful and professional. We’ll listen to you and you will always get time to tell us about your experience.

Accessible – We’ll ensure our complaint handling and feedback processes are easy to find and use. We’ll share with you any information that may be needed and why. The complaint resolution process is free of charge.

Transparent – We’ll explain the steps in the complaint process and communicate with you clearly.

Accountable – We’ll take ownership of what we do and commit to deliver on what we promise. We’ll keep you updated on the progress of your complaint.

Integrity – We’ll behave with respect and sensitivity to all our customers and act honestly in all that we do.

North’s fairness principles

North is committed to acting with integrity and fairness - this means we are committed to finding the right solution for you.

Fair dealing

  • Listening and understanding our customers
  • Being accessible and transparent

We understand vulnerability and the impact it has

Fair service

  • We are professional, respectful and easy to deal with
  • We follow through on actions
  • We respect privacy

We will call out and fix problems quickly, so that they don't happen again

Fair treatment

  • We hold ourselves and others to high standards
  • We act without bias
  • We will act quickly and appropriately when things go wrong
  • We will learn from mistakes and always seek to improve

How to get in touch 

You can make a compliant

  • Via our website
  • in writing by sending us an email or letter
  • by calling our North Service Centre to speak to one of our staff members.

The first thing you can do is let us know what has occurred. You can contact the North Service Centre with the details below.

North Service Centre

Monday to Friday
8:30 am - 7 pm (Sydney time)

What do you need to do?

To help us respond to your complaint quickly, please include the following information:

  • The word 'Complaint' in the heading or subject line
  • Your name and contact details, including your
  • daytime phone number and email address
  • Details of your complaint
  • Copies of any relevant documents
  • The outcome you would like

We recommend you keep a copy of your complaint and original documents for your records.

How long does it take?

If we can’t resolve your issue immediately we’ll escalate to our Customer Resolution Team (CRT).

The timeframe in which we aim to resolve your complaint depends on the type of complaint and product you have with us.

Credit related complaints involving hardship notices or requests to postpone enforcement proceedings 21 calendar days after receiving the complaint
Credit related complaints involving default notices
21 calendar days after receiving the complaint
Superannuation trustee complaints
45 calendar days after
receiving the complaint
Superannuation death benefit distribution complaints
90 calendar days after
receiving the complaint
Standard complaints (anything that doesn’t fit the above including other banking complaints)
30 calendar days after
receiving the complaint

We always aim to resolve your complaint as quickly as possible. However, there may be exceptional circumstances where the timeframes may be extended. We’ll contact you and give you an update at least every 10 days.

Getting help to make a complaint 

If you need support or help to make a complaint you can ask an authorised representative, family member or friend to contact us on your behalf. We need your permission to speak with anyone else about your complaint, this can be verbally or in writing.

If you have a hearing or speech impairment you can use the National Relay Service to help get in touch with us:

TTY (Text Telephone) users  Phone 133 677 then ask for
the North telephone number you wish to contact.
Speak and Listen (speech to speech relay) users  Phone 1300 555 727 then ask for the North telephone number you wish to contact.
SMS Relay Service Text 0423 677 767
Internet relay users  Visit the National Relay Service website.

The Translating and Interpreting Service (TIS National) provides interpreting services to people who do not speak English and to agencies and businesses that need to communicate with their non-English speaking clients. TIS National can be contacted on 131 450.

Hardship and financial difficulty

If as a result of your complaint you are experiencing hardship or financial difficulty, please let us know as soon as possible so we can discuss your circumstances and possible solutions.

Our response

In our response to your complaint, we’ll call you and provide a written explanation of:

  • Our investigation into your complaint
  • Attempts to resolve your complaint
  • Reasons for our decision
  • How you can access any documents considered
  • How you can escalate the complaint to an external organisation (and their contact details) if your complaint has not been resolved to your complete satisfaction

What if your complaint is still unresolved?

If an issue has not been resolved to your satisfaction, or if we have not responded within the above timeframes, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA).

AFCA provides a fair and independent complaint resolution service that’s free to consumers and small businesses.

Phone  1800 931 678
Mail Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

There are time limits for lodging certain complaints with AFCA. This includes complaints about the payment of a death benefit, which you must lodge with AFCA within 28 days of receiving our written decision.

What you need to know

This information is provided by NMMT Limited ABN 42 058 835 573, AFSL 234653 (NMMT) which is part of the AMP group. Contact us on 1800 667 841. MyNorth is a trademark registered to NMMT.

Any advice and information is provided by NMMT Limited ABN 42 058 835 573, AFSL 234653 (NMMT) is general in nature. It hasn’t taken your financial or personal circumstances into account. It’s important to consider your particular circumstances and read the relevant product disclosure statement, target market determination or terms and conditions available from North at or by calling 1800 667 841, before deciding what’s right for you.

You can read our Financial Services Guide online for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. You can also ask us for a hardcopy. All information on this website is subject to change without notice.