ChapterTwoAnmeldelser 

We looked around extensively to refinance our mortgage to a lower interest rate and to consolidated a few debts, and came across Chapter 2. Chris was extremely helpful and was understanding of our circumstances. Thanks to Chris we were able to consolidate everything into one easy mortgage repayment with the added bonus of a much lower interest rate. Chris is an experienced professional who is friendly and understanding and made our refinancing experience very easy. I highly recommend Chapter 2.

Have had a great experience. Super helpful, very understanding of my situation and found the right solution. Communication was top notch. Would highly recommend to anyone needing help with a mortgage.

Absolutely thankful to Michael and Tracey for helping me sort my debt out to make it less easier to pay, without them, I dont know what to do, everyone else turned me down and Chapter Two was amazing, service was awesome and easier to chat with, they listen and come up with a solution instead of judging. I have 4 major debt after my husband left me, but with Chapter Two helping in negotiating and sorting my debts, My life became a whole lot easier and less stress, Two of my major debt was eliminated. This all happened June 2023, Now I only have 2 debts and one is gonna be paid off soon and the other will slowly be paid off possibly next year estimating. Thank you Chapter Two for your help. I really appreciate it. I would recommend Chapter Two for all Debt management.

I found myself in a really poor position financially and emotionally after more than a few setbacks in my early 40's.
I am self employed and all my hard work over the years seemed to amount to nothing. I had some equity in my home but debts all over the place and barely surviving.
I stumbled upon Chapter Two searching online for a solution to my problems.
It's difficult to trust people when you are in a negative mindset and feel the world is against you. After alot of thought I decided to contact them. I am so glad I did.

Thanks to their help I am now in a much stronger position with all my debts consolidated and feel that I am finally moving forward.
Everyone's situation is different, as are the solutions. Chapter Two was the solution that worked for me.

After struggling with three credit card debts during the pandemic and unable to work, I found Chapter Two via Facebook. I had a goal of being completely debt free in a year. I took a leap of faith and after organizing everything I was given a personal manager of my account. Mim Zareen was very helpful and together we worked on clearing my debts. This whole process took less than a year (the credit card companies were being very difficult). So the starting debts were $17,587 and Chapter Two negotiated a complete waiver of all three credit card debt from two different companies. So even after the Chapter Two fees I have saved $12,000 and I'm completely debt free in less than a year! Plus I have no Part IX Debt Agreements, and Bankruptcy filed against my name. There are a lot of other Debt relief companies out there but they mainly use Part IX Debt Agreements. My advice is check out Chapter Two's website first to compare other companies. A special thankyou to Mim for getting though to Latitude Finance and pushing hard for me after Latitudes Data breach in 2023 when they weren't answering calls etc. Its very rare that a company like them completely wipes out credit card debts. You deserve a big bonus Mim!!

When I engaged Chapter two I was considering more drastic insolvency measures but the team was very compassionate and forthcoming with their advice and promised that they would be able to achieve good results without needing to do so. They took on the big responsibility of dealing with multiple creditors and after a pro-longed effort was able to help me achieve some great outcomes and get me to a point of being debt free with thousands of dollars of overall savings. It is an extremely difficult job to engage with multiple agencies but they eventually got over the line. They are experienced negotiators, understand the laws well and work with you within your constraints. Special shout out to Thomas for the work he did when taking over my case after the previous staff member left. Highly recommend for a stress free and effective resolution, notwithstanding it can take some time due to difficulties with creditors.

I'm so glad I chose Chapter Two to help me with my ongoing debt issues.

Thomas was so lovely to deal with and kept me informed all the way. He negotiated with both the banks resulting in one writing off my debt and the other offering 0% interest for 2 years.

His advice and expertise achieved results I never could have on my own.

My mental health has improved and I'm looking forward to a brighter future.

Thanks Thomas 👍🏼 😊

I recently had the pleasure of using Chapter Two's services, and I couldn't be more impressed. From start to finish, my experience was exceptional.
The team at Chapter Two demonstrated an unparalleled level of professionalism and expertise. They were not only knowledgeable but also took the time to understand my specific needs and preferences. The personalized attention I received made me feel valued as a customer. I was dealing with 4 creditors which were relentless but things changed when Chapter Two joined.

The quality of the service provided exceeded my expectations. My questions and concerns were promptly addressed, and the team went above and beyond to ensure I was completely satisfied with my experience. It's clear that they prioritize building long-term relationships with their customers.
Moreover, the efficiency and reliability of Chapter Two were remarkable. Timelines and budgets were met, and the entire process was smooth and hassle-free.
In summary, I highly recommend Chapter Two. If you're looking for a company that combines expertise, professionalism, and a genuine commitment to customer satisfaction, look no further. Thank you Thomas & Chris for everything you have done for me.

To experience customer service at the level I have been through is truly amazing in this finance field .
Chris and his team are fully qualified in changing your life weather personal or business and all customers are treated just as important as each other .

I heard about chapter two on TV, they were the inly company willing to help me and they have done an amazing job, with tough economic times I highly recommended chapter two to anyone that needs debt consolidation and a negotiating partner to work with finances companies to negotiate your debt down, arrange simple repayments with minimal effect to your credit rating

Following my interaction with Chapter Two, I made a complaint to the Australian Financial Complaints Authority (AFCA).

AFCA found that Chapter Two did not fulfil its obligations under the service agreement or its legal obligations and that it pay me compensation for the stress and inconvenience its actions caused.

The determination was made on 7 August 2023 however, to date, Chapter Two have failed to pay the compensation awarded.

A published and publicly available copy of the AFCA determination is available on the AFCA website. Search by case number: 940623

ChapterTwo helped me get my life back on track. Thomas was my point of contact and there is absolutely nothing I could fault this guy on. Thomas was professional but friendly, Thomas was knowledgeable and empathetic and most importantly he was understanding even when I was probably not the most helpful to deal with. His patience and understanding was crucial to my mental state and he delivered an outcome i was most definitely not expecting. Thank you ChapterTwo and a MASSIVE Thank you to Thomas.

A big thank you to Mim for her assistance during what has been a difficult time. Mim and chaptertwo took the hassle out of negotiating with creditors and fought hard to get me the best outcome possible. I can’t recommend them enough.

Great to deal with took all the stress out of dealing with bank's for me.
Highly recommended
Shane

They were so helpful in getting me out of a difficult situation with my bank after suffering a major neck injury and recovering from surgery and not being able to work again when my bank refused to help I turned to chapter 2 who were the only ones to take me on as I don’t have a job anymore but receiving disability payments even after the bank was still charging me interest they stepped in and resolved my problem and came up with a solution for me and got a great outcome can’t thank them enough and would highly recommend them

I cannot express how grateful I am to ChapterTwo for their exceptional assistance in helping me eliminate my debt and clean up my credit file. Their dedication and expertise have completely transformed my financial situation, enabling me to achieve my dream of obtaining finance from a top-tier lender and building my own house. I owe a special mention to Mim Zareen, whose outstanding assistance and support have been instrumental in my journey to financial freedom.

From the very beginning, ChapterTwo displayed a level of professionalism and commitment that gave me confidence in their services. They not only understood my financial predicament but also took the time to create a personalized plan tailored to my needs. This level of attention to detail and individualized support is truly remarkable and sets them apart from the rest.

Mim Zareen deserves immense praise for her unwavering dedication and expertise. She walked me through every step of the process, explaining complex financial matters in a clear and understandable way. Her patience, kindness, and genuine concern for my financial well-being made the entire experience not only manageable but also empowering. With Mim's guidance, I felt like I had a true partner on my side, someone who was as invested in my success as I was.

Thanks to the efforts of ChapterTwo and the exceptional support of Mim Zareen, I can proudly say that I am now in a position to pursue my dream of building a house. My credit file has been cleaned up, and I have successfully obtained financing from a top-tier lender—all of which would have been impossible without their expertise.

If you are facing financial challenges or seeking to improve your credit, I wholeheartedly recommend ChapterTwo. Their results are nothing short of remarkable, and their team, especially Mim Zareen, is dedicated to helping you achieve your financial goals. This 5-star review is a small token of my gratitude for their outstanding work. Thank you, ChapterTwo, for changing my life!

ChapterTwo has honestly changed my life, I reached out to ChapterTwo just over a year ago and I was in absolute financial stress from bad decisions and Thomas and his team have been so helpful and understanding. Along the way I have had hiccups in my situation however not once was I judged, I was understood. ChapterTwo has helped reduce my debt by an incredible amount. I now can sleep peacefully at night and don’t feel anxious about whether I can pay my rent or buy food. I couldn’t recommend ChapterTwo enough they have changed my life for the better!

I wasn’t expecting the outcome I got - Thomas worked hard to get me the best outcome he could which in the end was a complete WRITE OFF of all my debts. I couldn’t believe it !! It has given me an opportunity to move positively forward with my life whereas before all I saw was more and more debt mounting before my eyes - I didn’t know how much it was affecting me until it wasn’t there anymore. I can not recommend Chris, Thomas and the Chapter Two crew highly enough - thank you so much for everything

Knowledgeable, constructive, considerate and respectful.