Harvey Norman Latitude Credit Class Action

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Class Action – Harvey Norman & Latitude Finance

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September 2025 Updates

Full Federal Court dismisses Harvey Norman and Latitude’s appeals

On 3 September 2025, the Full Federal Court unanimously dismissed appeals by Latitude Finance Australia and Harvey Norman Holdings Ltd over their misleading national advertising campaign promoting a sixty month interest free and no deposit payment method.

The advertisements, broadcast and published thousands of times across Australia between January 2020 and August 2021 in newspapers, on radio and on television, were found to be misleading and deceptive. They failed to disclose that consumers were required to obtain a Latitude GO Mastercard and were liable for establishment fees until March 2021 and ongoing monthly account service fees thereafter.

The Court confirmed that consumers were entitled to rely on the plain wording of the promotion and should not be expected to second guess the advertised terms. Their Honours described the appeals as barely arguable and criticised the delay caused by unmeritorious applications.

Background

ASIC commenced proceedings in October 2022, alleging breaches of the Australian Consumer Law and the ASIC Act (sections 12DA, 12DB and 12DF). On 18 October 2024, Justice Yates found Harvey Norman and Latitude had breached the law. Appeals were heard on 28 August 2025 and dismissed on 3 September 2025, confirming liability beyond doubt.

What this means for consumers

The Federal Court has now confirmed that Harvey Norman and Latitude’s conduct breached consumer protection laws. ASIC will return to Court to seek pecuniary penalties, adverse publicity orders, injunctions and costs.

Carter Capner Law is investigating compensation recovery on behalf of consumers, including potential refunds of:

establishment fees
monthly account service fees
interest charges linked to the Latitude GO Mastercard

ASIC Deputy Chair Sarah Court described the outcome as an important win for consumers, reinforcing that advertising must be truthful and transparent.

Next steps

Carter Capner Law encourages all consumers who entered into a Harvey Norman sixty month interest free promotion using a Latitude GO Mastercard to register their interest. Registration ensures you receive advice about your compensation entitlements and remain included in the class action process.

Between January 2020 and August 2021, Harvey Norman and Latitude Finance Australia misled consumers through a 60-month interest-free, no deposit payment promotion. Consumers were not clearly informed that they would need to sign up for a Latitude GO Mastercard to access the offer, which came with hidden fees such as establishment fees and monthly account service charges.

The Federal Court ruled that these advertisements were deceptive, leading consumers to pay significantly more than they expected.

Carter Capner Law is investigating these practices to determine whether consumers are entitled to compensation for being deceived by these tactics.

Key Legal Basis for the Class Action

The class action is based on breaches of the Australian Consumer Law for misleading and deceptive conduct. Carter Capner Law is investigating whether consumers are entitled to compensation due to these deceptive practices.

Alleged Deceptive Practices:

Hidden costs linked to the Latitude GO Mastercard, including establishment fees and monthly service fees.
Consumers believed they were entering into a simple interest-free payment agreement but were, in fact, tied to a credit contract with Latitude Finance.
The true cost of purchases was significantly higher than advertised.

Example of Alleged Conduct:

In one case, a customer who took advantage of the interest-free promotion later found they were charged an establishment fee, a monthly account service fee, and high-interest charges on credit card balances. These additional costs meant the customer paid far more than they initially expected for their purchase.

Key Concerns Being Investigated:

Misleading promotion of interest-free offers.
Concealment of additional financial obligations tied to the Latitude GO Mastercard.
The financial impact on customers who unknowingly entered credit agreements with ongoing fees.

Potential Compensation:

Carter Capner Law is preparing to seek compensation for consumers who were misled by Harvey Norman and Latitude Finance. You may be entitled to claim back establishment fees, monthly account fees, and interest charges on purchases made during the promotional period.

How to Participate:

If you made a purchase using the Latitude GO Mastercard as part of Harvey Norman’s 60-month interest-free promotion, you may be eligible for compensation. Register your interest to receive advice about your compensation entitlement and join the class action led by Carter Capner Law.

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– Step 1 of 5

Name *

First

Last

Email *

Phone *

Address *

Address Line 1

City

State / Province / Region

Postal Code

Country

Date of birth *

Your occupation

Did you purchase items from Harvey Norman between January 2020 and August 2021 as part of their 60-month interest-free promotion? *

Yes
No

Did you sign up for a Latitude GO Mastercard as part of the promotion? *

Yes
No

Were you charged any of the following in relation to the Latitude GO Mastercard? (Select all that apply)

Establishment fee
Monthly account service fee
Interest on other credit card purchases
Other
I was not charged any fees

Other (Please Specify) *

Did you expect to pay these fees at the time of signing the agreement? *

Yes
No

of you Method

Were you surprised that you were required to pay fees etc in association with the “interest-free” promotion? *

Yes
No

Did you want to have to take up the Latitude GO Mastercard in order to get the benefit of the “interest-free” promotion? *

Yes
No

Did you experience financial hardship due to unexpected fees or charges? *

Yes
No

Would you like to provide further details about your experience?

Have you previously sought legal advice or representation regarding this issue? *

Yes
No

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I consent to the collection of my data for the purposes of the Harvey Norman & Latitude Finance Class Action and agree to receive updates from Carter Capner Law.

By completing an Expression of Interest (EOI) form, affected consumers can stay updated on the progress of the Harvey Norman & Latitude Finance class action and explore their options for compensation related to the misleading credit card and finance practices. Please visit Carter Capner Law for further information on privacy and data collection.