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How does someone not disclose HECS? I appreciate that people don't remember they've got a HECS debt, but it's usually right there on your payslip. The broker or banker should have picked this up. People forget old credit cards all the time. It's a bit rough for Genworth to call you on this...

Wizard was sold to GE Money shortly before the GFC. Mark Bouris built Wizard to the point where it looked like a highly valuable business, then sold it off as soon as was viable to what amounted to the biggest sharks in the industry. I'll never do business with GE Money.

2 years after that they weren't even trying to be competitive. Their rates sky-rocketed during the GFC and didn't come down with the market afterwards. Combine that with draconian exit clauses and a lot of people got hurt very badly. Small lenders offering cheap rates is really wonderful...