ABOUT THE NILS SCHEME

(1)

Z:\12 NILS\NILS Data\NILS application for email_d1.docx

ABOUT THE NILS SCHEME

Upper Murray No Interest Loan Scheme (Upper Murray NILS) has been set up to provide local people on low incomes with flexible and affordable credit for the purchase of essential new household

or personal items

Loans may be available for fridges, washing machines, dryers, heaters, furniture, small appliances, medical equipment, and repairs to essential items

Loans are available for up to $1,500 free of any interest, fees and charges

Terms can be up to two years and repayments will be recycled to provide loans for other people in the Upper Murray region

Upper Murray NILS is a non-profit initiative run by the community, for the community You may be eligible for a no interest loan if:

 You hold a current Health Care Card, receive a Centrelink payment or have a low income

 You have lived at the same address in the Upper Murray area for at least 6 months or can otherwise show a continuing long-term connection to the area

 The item you require is brand-new and is being sold by a registered business

 You are willing and able to repay a loan (this is shown by how you are managing your current finances, including any arrears, and whether you are able to repay a loan without incurring hardship).

 You have no outstanding NILS loans

HOW TO APPLY

Complete the attached questionnaire and application form and collect reuired supporting documents.

Ring (02) 60762176 to arrange to make an appointment with Michael Leonhard to review your application.

POINTS TO CONSIDER ABOUT THE NO-INTEREST LOAN SCHEME NILS does not provide emergency financial assistance

Loans are not available for:

Bonds or rent in advance Rent or mortgage arrears

Living expenses such as food and accommodation Utility bills including gas, water, electricity and telephone

Cash advances Travel and moving expenses Debt repayment and consolidation Cheques to a third party for a private sale

Upper Murray No Interest Loan Scheme is open only for a few hours each week. Loan applications will be considered as quickly as possible but decisions may sometimes be delayed

(2)

Please complete the following questionnaire & application form:

NAME & DATE

ELIGIBILITY QUESTIONS Yes No

1. Do you hold a current Health Care Card, receive a Centrelink payment or have a low income?

(A “low-income” may be $40,000 pa or less depending on individual circumstances)

2. Have you lived at the same address in the Upper Murray area for at least 6 months or can otherwise show a continuing long-term connection to the area?

3. Are you willing and able to repay a loan?

(This is shown by how you are managing your current finances, including any arrears, and whether you are able to repay a loan without incurring hardship)

4. Do you have any outstanding NILS loans?

(Only one NILS loan is available at a time, but applications may be accepted if the original loan will be repaid by the time a new one is considered)

5. How much do you want to borrow?

(Maximum loan available is $1,500)

6. What do you want to buy?

(Loans are not available for bonds, rent, living expenses, utility bills, cash advances, travel and moving expenses, debt repayment or consolidation, private sales)

7. Is it new and being sold by a registered business?

(Cheques will not be made out to “cash” or in the name of the borrower, family, friends or a third party who is not a registered business)

Name and address for sending further information

(3)

Corryong Neighbourhood Centre

39 Hanson Street, CORRYONG VIC 3707 Ph (02) 6076 2176 Fax (02) 6076 2175 [email protected]

Upper Murray NILS®

ABN 38 793 076 812 Inc. AOO33923W

Loan application form

Name: Agency:

Phone: Email:

For loan assessment, please send completed for with copies of all documents to email or postal address abov e.

No faxed applications will be accepted

Title: First Name: Last Name:

Address: Town:

Postcode: Email:

Phone: Mobile: Date of Birth:

Postal address if different from above:

Address:

Town: Postcode:

Partner's Details (in the case of a joint application):

Title: First Name: Last Name:

Address: Town:

Postcode: Email:

Phone: Mobile: Date of Birth:

Language Spoken at Home: ATIS:

Housing:

Type of Accomodation:

Length of Residency:

Household Type: Number of Adults:

Number of Children: Children's Ages:

Referral Source:

Section 1: Personal details Applicant:

Loan Interviewer Details:

Local Referee : Name: Contact number:

(4)

Groceries Medical Education

Meat Doctor School fees

Fruit Chemist Uniform

Vegetables Dentist Bags

Milk Optometrist Excursions

Bread Chiropractor Sport

Groceries Podiatrist Stationery

Pet food Medicine Books

Takeaways Equipment Child care

Other Other Other

Total 0.00 Total 0.00 Total 0.00

Personal Others

Clothing Centrelink Housing 0.00

Hair cuts Credit card Household 0.00

Entertainment Store card Transport 0.00

Child minding Lay by Groceries 0.00

DVDs/videos Finance co. Personal 0.00

Papers/mags Personal loan Medical 0.00

Holidays Rentals Others 0.00

Cigarettes Gifts Education 0.00

Alcohol Cards Total 0.00

Lotteries Xmas

hampers

Gambling Xmas gifts Total income $0.00

Savings Other Less expenses $0.00

Total 0.00 Total 0.00 Balance $0.00

This budget is a true and correct estim ate to the best of m y/our knowledge.

I/we understand that no identifying inform ation will be given to the Loan Assessm ent Com m ittee.

I/we understand that this inform ation will be retained by WADNILS and that m y/our personal details given in Section1 of this form will be recorded on the loans program m anagem ent database.

I/we understand this inform ation will not be released to other organisations without m y/our written consent, but that it may be accessible by service providers to WADNILS, such as.

information technology suppliers when maintaining or modifying computer systems.

Signature: Date:

Total expenses

Notes

(5)

What Else Do You Need to Bring?

Please bring the following documents to the interview with your completed questionnaire and application form.

Please note that if this is a joint application, your partner’s documents must also be presented.

Should you require any assistance in obtaining these documents, please ring (02) 6076 2176 and ask to speak to Michael Leonhard.

Personal Documents:

 Proof of identity

Current Health Care Card – Driver’s Licence

 Current Centrelink statement

 Pay slips for full-time, casual or part-time work

 Bank statements covering the last three months

 Credit card/loan account statements for the past month

 Tenancy agreement confirming residential length, if applicable Household Bills:

 Details of usual household expenses

 Rent receipts or mortgage statements covering the last 4 weeks

 Most recent accounts and receipts:

Gas – electricity – water – home phone – mobile phone – internet – pay TV

 Any other outstanding accounts or rental agreements

e.g. payday lender – appliance hire – child centre costs – registration papers – insurance Required Item:

 Quote from a local supplier (the quote should including the make, model and best price for the product and details of any delivery costs. The quote must be dated and give the supplier’s address and ABN number)

 Good Shepherd Buying Service quote if applicable

(6)

Rights and Responsibilities

In your contact with Upper Murray NILS, you have rights and responsibilities

Your Rights

 You must be treated fairly and with respect regardless of your personal circumstances or beliefs

 You must be advised how your personal details are recorded and who has access to that information

 You must be asked for written consent before any of your personal information can be given to a party outside of the Upper Murray NILS program

 You must be informed about the scheme’s eligibility criteria

 You must be informed about the loan decision-making process

 You must be advised of the terms and conditions of the loan

 You must be supported with appropriate referrals, mentoring and financial education where applicable

 You may access your file during the program’s scheduled business hours on prior request in writing to the Loans Worker

 If you are dissatisfied about the program or the conduct of its staff, you may lodge a written complaint which will be dealt with fairly and without retribution

Your Responsibilities

 Act in a manner that respects other applicants, our staff and the customers and staff of organisations who are providing us with meeting venues

 Ensure information provided for the purpose of the loan enquiry and interview is true and correct and that no false or misleading information is given at any time

 Make regular loan repayments as stated in your loan agreement

 Contact us if you have difficulties making repayments

 Tell us if you need a new or replacement repayment book

 Tell us if Centrepay is no longer available to you due to changes in your circumstances

 Tell us if you change your home and/or postal address, email address or telephone or mobile number during the term of the loan