Delivered-To: thomasbrecelic@gmail.com
Received: by 2002:adf:a295:0:b0:3a4:ebc6:658 with SMTP id s21csp1146690wra;
Sun, 15 Jun 2025 17:49:47 -0700 (PDT)
X-Google-Smtp-Source: AGHT+IEWKprVV4UujfDFlR8ray0i7bG2epnSDrV5X6fzhi75X2+qo41fW1f8e9GoSLHZ6kpnucXK
X-Received: by 2002:a05:6e02:2196:b0:3dc:88ca:5ebd with SMTP id e9e14a558f8ab-3de07d017b9mr84339215ab.20.1750034987046;
Sun, 15 Jun 2025 17:49:47 -0700 (PDT)
ARC-Seal: i=1; a=rsa-sha256; t=1750034987; cv=none;
d=google.com; s=arc-20240605;
b=irALMiMRBSnfv2TPCjF1Jab/H/tuZ3bOxui6pTRf1veLRH+HwSJy+ss3byvXW46ioj
HOe6zslpecmp/B7dVSj9Y1fFIClor37f0d849li8BBh9d4ju8qfGzT/RBQkAF+4jP8PY
agJ+xUDcHBfXAVp8In3mGMNWD6/y5NMXWuUDsA4+mYPm+Nd4oeHCc6ohHWrhWBBiPQ2w
QwcTlZ5gzqsMNsQZdiqpbZLe+gYs24v5y1yW2nwKkS1NxRRreB8AuLS6VY7SQEo39lIn
OcdsgIHsxW7dPq91oyjRp29Wi4RBah9rIR9O6aw+OESc5vCANl9FqOGsD3LGY2s2Rb25
zayQ==
ARC-Message-Signature: i=1; a=rsa-sha256; c=relaxed/relaxed; d=google.com; s=arc-20240605;
h=default_disclaimer:mime-version:msip_labels:content-language
:accept-language:message-id:date:thread-index:thread-topic:subject
:to:from:dkim-signature;
bh=gK1ESojB3C+XuFyNQ7XmOxMkRoMEH5UWz+23H6NDBWY=;
fh=q5iXriRw8JG0YUIS6opOyW/v6H6Gmz84XTlmYE13aG8=;
b=QV4fAeCPeeJWOeNBX19kRbUULRbVXD2HupixDmZyG2mn4BGonuMRxY634+S9UytkdT
/v+6TFQEzPeb95uIQ5TbQOAPQLkjutSbdCldUFLcSVuOnZDZHFKZ45q1sIyPwfiem/kC
a0F1FIwHPNy2eAOkus1aToPehLXKjIpby3kplfgak5lmKK6NtTEh/F7GBGjTFbKxcV9U
QoEpDkdYDxIMaObm9NZ/xX5svF9H4G5MCce+easvxZMJcZ8LBldva+pjC/xyPDrQ1/pA
H1MswZgJjnB3eywDsGp24NCHaIih2rJ5o067VwXAS1qPpJb6R9ShDUwjORnnYhWKFQFH
X/jg==;
dara=google.com
ARC-Authentication-Results: i=1; mx.google.com;
dkim=pass header.i=@bendigoadelaide.com.au header.s=mail1 header.b=4cpdycaP;
spf=pass (google.com: domain of complexandexternaldisputeresolution.mailbox@bendigoadelaide.com.au designates 185.132.183.175 as permitted sender) smtp.mailfrom=ComplexandExternalDisputeResolution.Mailbox@bendigoadelaide.com.au;
dmarc=pass (p=REJECT sp=REJECT dis=NONE) header.from=bendigoadelaide.com.au
Return-Path:
Received: from mx07-00533901.pphosted.com (mx07-00533901.pphosted.com. [185.132.183.175])
by mx.google.com with ESMTPS id e9e14a558f8ab-3de14963b85si16345335ab.62.2025.06.15.17.49.46
for
(version=TLS1_2 cipher=ECDHE-RSA-AES128-GCM-SHA256 bits=128/128);
Sun, 15 Jun 2025 17:49:47 -0700 (PDT)
Received-SPF: pass (google.com: domain of complexandexternaldisputeresolution.mailbox@bendigoadelaide.com.au designates 185.132.183.175 as permitted sender) client-ip=185.132.183.175;
Authentication-Results: mx.google.com;
dkim=pass header.i=@bendigoadelaide.com.au header.s=mail1 header.b=4cpdycaP;
spf=pass (google.com: domain of complexandexternaldisputeresolution.mailbox@bendigoadelaide.com.au designates 185.132.183.175 as permitted sender) smtp.mailfrom=ComplexandExternalDisputeResolution.Mailbox@bendigoadelaide.com.au;
dmarc=pass (p=REJECT sp=REJECT dis=NONE) header.from=bendigoadelaide.com.au
Received: from pps.filterd (m0206412.ppops.net [127.0.0.1]) by mx08-00533901.pphosted.com (8.18.1.2/8.18.1.2) with ESMTP id 55FNKvWg014245 for ; Mon, 16 Jun 2025 10:49:45 +1000
DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d= bendigoadelaide.com.au; h=content-type:date:from:message-id :mime-version:subject:to; s=mail1; bh=gK1ESojB3C+XuFyNQ7XmOxMkRo MEH5UWz+23H6NDBWY=; b=4cpdycaPoS3oADfR2hCMW57ym+Ny76piJW2vGMmbem pOebTxl59Jh+/00we8paSVqOnpKN7EB9lh7AV7pWKhqPAxsREZZfkgETkUJYOZOn m5HdWYg100ShnYr/BklEArv8TkuKwWeAGPOKXJq0//+xACMJbEgA7f3rZqLhhUkC WbXutBwT6CRGazt2TkLPK5ZIkj0MLJ4vD5DTDGhmSihaEDAOw9HhYrKRNgZQD9JL 8AOOLoz5UrW2F2XRWj21nGH62WtCOslCjbzDPtvZepTrBWwaZ09t3Kue6H5nz/y7 GrQ+NSHfC/lJ3PmSEMY/k+BMh7/xLwY1ETsoNrzwBNTA==
Received: from sy8pr01cu002.outbound.protection.outlook.com (mail-australiaeastazon11010057.outbound.protection.outlook.com [52.101.150.57]) by mx08-00533901.pphosted.com (PPS) with ESMTPS id 47a7s0g5u7-1 (version=TLSv1.2 cipher=ECDHE-RSA-AES256-GCM-SHA384 bits=256 verify=NOT) for ; Mon, 16 Jun 2025 10:49:44 +1000 (AEST)
Received: from MEYPR01MB6264.ausprd01.prod.outlook.com (2603:10c6:220:fc::13) by SY6PR01MB8425.ausprd01.prod.outlook.com (2603:10c6:10:1d9::10) with Microsoft SMTP Server (version=TLS1_2, cipher=TLS_ECDHE_RSA_WITH_AES_256_GCM_SHA384) id 15.20.8835.29; Mon, 16 Jun 2025 00:49:38 +0000
Received: from MEYPR01MB6264.ausprd01.prod.outlook.com ([fe80::f6ec:ee93:c049:8477]) by MEYPR01MB6264.ausprd01.prod.outlook.com ([fe80::f6ec:ee93:c049:8477%5]) with mapi id 15.20.8835.027; Mon, 16 Jun 2025 00:49:38 +0000
From: Complex and External Dispute Resolution Mailbox
To: "thomasbrecelic@gmail.com"
Subject: Acknowledgement - Australian Financial Complaints Authority (AFCA) Dispute
Thread-Topic: Acknowledgement - Australian Financial Complaints Authority (AFCA) Dispute
Thread-Index: AdveWHaQOXHeAjanR6u5uDNxITb4/A==
Date: Mon, 16 Jun 2025 00:49:38 +0000
Message-ID:
Accept-Language: en-GB, en-US
Content-Language: en-US
X-MS-Has-Attach:
X-MS-TNEF-Correlator:
msip_labels: MSIP_Label_63f4b6b8-665e-4446-b525-74c15b9b05a3_Enabled=True;MSIP_Label_63f4b6b8-665e-4446-b525-74c15b9b05a3_SiteId=4417ef5a-d255-4032-89bf-1cb6260a737a;MSIP_Label_63f4b6b8-665e-4446-b525-74c15b9b05a3_SetDate=2025-06-16T00:48:05.0000000Z;MSIP_Label_63f4b6b8-665e-4446-b525-74c15b9b05a3_Name=C2 - Internal Use Only - All Staff;MSIP_Label_63f4b6b8-665e-4446-b525-74c15b9b05a3_ContentBits=3;MSIP_Label_63f4b6b8-665e-4446-b525-74c15b9b05a3_Method=Standard
x-ms-exchange-messagesentrepresentingtype: 1
x-ms-publictraffictype: Email
x-ms-traffictypediagnostic: MEYPR01MB6264:EE_|SY6PR01MB8425:EE_
x-ms-office365-filtering-correlation-id: 249bc56f-fb8a-4a41-4c81-08ddac6fabef
x-ms-exchange-sharedmailbox-routingagent-processed: True
x-ms-exchange-senderadcheck: 1
x-ms-exchange-antispam-relay: 0
x-microsoft-antispam: BCL:0;ARA:13230040|366016|1800799024|376014|38070700018|8096899003;
x-microsoft-antispam-message-info: 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
x-forefront-antispam-report: CIP:255.255.255.255;CTRY:;LANG:en;SCL:1;SRV:;IPV:NLI;SFV:NSPM;H:MEYPR01MB6264.ausprd01.prod.outlook.com;PTR:;CAT:NONE;SFS:(13230040)(366016)(1800799024)(376014)(38070700018)(8096899003);DIR:OUT;SFP:1101;
x-ms-exchange-antispam-messagedata-chunkcount: 1
x-ms-exchange-antispam-messagedata-0: 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
Content-Type: multipart/alternative; boundary="_000_MEYPR01MB62649B017B4A9F4A52966008BA70AMEYPR01MB6264ausp_"
MIME-Version: 1.0
X-OriginatorOrg: bendigoadelaide.com.au
X-MS-Exchange-CrossTenant-AuthAs: Internal
X-MS-Exchange-CrossTenant-AuthSource: MEYPR01MB6264.ausprd01.prod.outlook.com
X-MS-Exchange-CrossTenant-Network-Message-Id: 249bc56f-fb8a-4a41-4c81-08ddac6fabef
X-MS-Exchange-CrossTenant-originalarrivaltime: 16 Jun 2025 00:49:38.2172 (UTC)
X-MS-Exchange-CrossTenant-fromentityheader: Hosted
X-MS-Exchange-CrossTenant-id: 4417ef5a-d255-4032-89bf-1cb6260a737a
X-MS-Exchange-CrossTenant-mailboxtype: HOSTED
X-MS-Exchange-CrossTenant-userprincipalname: iAv/aTd6a9xHP68OZkC8TI7yb1lWTXqEh/+y+fJCz9miY8BWLPHeXEgmofAs6lsNJqW+unw8szQpiLYQdoqcNWZhCJ74swsqlqc9IASyxoE=
X-MS-Exchange-Transport-CrossTenantHeadersStamped: SY6PR01MB8425
X-Proofpoint-Spam-Details-Enc: AW1haW4tMjUwNjE2MDAwMyBTYWx0ZWRfX3WQUuVms+/Zd p6FEInmYbgW3zh2jPoVN/gX0/cvXOUw6HU2UnbYPeNdQK/FXuWGuHLRH+pT9S20UfyHGs1xsEdp ViuQwL/EpVdqJrL8anKdUtMlM0oE43ng3rbJ9wtVfeFs/3iLK0MolgT2UZZQ3zdulAQl0/2+CAO CR9qjjhzhFWNQdIqh/NAq6abJNebZmRw0Elen7PZso8GJUAkEPOuYJg96J2bjcEj6Ehs2fzehmm ZHpmAq8goVTQzKuVizUX3/1qq69S8iBHjExq/LielQpKt0drwUuQFdul6fLfG024FLChdIFyiDi hGqw2CIYHaBX9Os7MLwFwaxlppfrzeGU5wzGrPjcAWzS4kFKR1fYi9YhcAwM+X9nSQ6JPUpp5Hc t0EREb1R0qplB5G+0T77izia3Rqf1r1RUjwRamuWMpGty+Z/dea32GBcvtuq9n8QFyOrt/b/
X-Authority-Analysis: v=2.4 cv=ZYMdNtVA c=1 sm=1 tr=0 ts=684f6a29 cx=c_pps a=qAF1E7jsbI36JECnK6KGDA==:117 a=lCpzRmAYbLLaTzLvsPZ7Mbvzbb8=:19 a=wKuvFiaSGQ0qltdbU6+NXLB8nM8=:19 a=Ol13hO9ccFRV9qXi2t6ftBPywas=:19 a=xqWC_Br6kY4A:10 a=6IFa9wvqVegA:10 a=rsS0Rzio1T4A:10 a=qzpF4-pEAAAA:8 a=SjRdXwlMXuB5wz_yBeYA:9 a=CjuIK1q_8ugA:10 a=yMhMjlubAAAA:8 a=SSmOFEACAAAA:8 a=gAxJYtBefYYr8IqO658A:9 a=77-0Vl4kCHgpRXs_:21 a=gKO2Hq4RSVkA:10 a=UiCQ7L4-1S4A:10 a=hTZeC7Yk6K0A:10 a=frz4AuCg-hUA:10 a=lqcHg5cX4UMA:10
X-Proofpoint-GUID: givFlA6N0JA5ozi5JEDxkjLm0P2SZ7B8
X-Proofpoint-ORIG-GUID: givFlA6N0JA5ozi5JEDxkjLm0P2SZ7B8
default_disclaimer: true
X-Proofpoint-Virus-Version: vendor=baseguard engine=ICAP:2.0.293,Aquarius:18.0.1099,Hydra:6.0.736,FMLib:17.12.80.40 definitions=2025-06-15_10,2025-06-13_01,2025-03-28_01
--_000_MEYPR01MB62649B017B4A9F4A52966008BA70AMEYPR01MB6264ausp_
Content-Type: text/plain; charset="us-ascii"
Content-Transfer-Encoding: quoted-printable
Dear Ivan
Please accept this email as confirmation that your above listed dispute has=
been received by the Bank today.
Please see below the contact details for our Complex and External Dispute R=
esolution Team. A Case Manager will be assigned to your dispute shortly.
Email resolutions@bendigoadelaide.com.au
Phone 1300 139 572
The Bank is currently investigating the concerns you have raised, and expec=
t to issue you with a written response no later than 13 July 2025.
If you have any additional information you would like the Bank to consider,=
please provide this by reply email.
Yours sincerely
Complex and External Dispute Resolution
Bendigo Bank * The Bendigo Centre * PO Box 480, Bendigo VIC 3552
1300 139 572 * resolutions@bendigoadelaide.com.au
C2 - Internal Use
***************************************************************************=
*****
This communication is intended only for use of the addressee and may contai=
n legally privileged and confidential information.
If you are not the addressee or intended recipient, you are notified that a=
ny dissemination, copying or use of any of the information is unauthorised.
The legal privilege and confidentiality attached to this e-mail is not waiv=
ed, lost or destroyed by reason of a mistaken delivery to you.
If you have received this message in error, we would appreciate an immediat=
e notification via e-mail to ContactUs@bendigoadelaide.com.au or by phoning=
1300 BENDIGO (1300 236 344), and ask that the e-mail be permanently delete=
d from your system.
Bendigo and Adelaide Bank Limited ABN 11 068 049 178
***************************************************************************=
*****
--_000_MEYPR01MB62649B017B4A9F4A52966008BA70AMEYPR01MB6264ausp_
Content-Type: text/html; charset="us-ascii"
Content-Transfer-Encoding: quoted-printable
Dear Ivan
Please accept this email as confirmation that your above listed disput=
e has been received by the Bank today.
Please =
see below the contact details for our Complex and External Dispute Resoluti=
on Team. A Case Manager will be assigned to your
dispute shortly.
&n=
bsp;
Email
resolutions@bendigoadelaide.com.au
Phone 1300 139 572
&n=
bsp;
The Bank is currently investigating the concerns you have raised, and =
expect to issue you with a written response no
later than 13 July 202=
5.
If you have any additional information you would like the Bank to cons=
ider, please provide this by reply email.
&n=
bsp;
Yours s=
incerely
Complex and External Di=
spute Resolution
Bendigo Bank
· The Bendigo Centre · PO Box 480, Bendigo VIC =
3552
1300 139 572
·
resolutions@bendigoadel=
aide.com.au
&nbs=
p;
C2 - Internal Use
***************************************************************************=
*****
This communication is intended only for use of the addressee and may contai=
n legally privileged and confidential information.
If you are not the addressee or intended recipient, you are notified that a=
ny dissemination, copying or use of any of the information is unauthorised.=
The legal privilege and confidentiality attached to this e-mail is not waiv=
ed, lost or destroyed by reason of a mistaken delivery to you.
If you have received this message in error, we would appreciate an immediat=
e notification via e-mail to ContactUs@bendigoadelaide.com.au or by phoning=
1300 BENDIGO (1300 236 344), and ask that the e-mail be permanently delete=
d from your system.
Bendigo and Adelaide Bank Limited ABN 11 068 049 178
***************************************************************************=
*****
--_000_MEYPR01MB62649B017B4A9F4A52966008BA70AMEYPR01MB6264ausp_--