Justice for
Consumers
Join the class action against Harvey Norman and Latitude Finance. If you were misled by "interest-free" promotions, you may be entitled to compensation.
Simple 3-step process
Create Account
Quick signup
Upload Documents
Statements & receipts
Submit Claim
Review & confirm
Carter Capner Law
Est. 1944
ASIC Proceedings
ASIC Proceedings
Appeals Dismissed
Sep 2025
No Win, No Fee
No upfront costs
What They Didn't Tell You
The Federal Court found Harvey Norman and Latitude Finance engaged in misleading conduct. Here's what was hidden from consumers.
One-time fees charged at signup that weren't clearly disclosed during the "interest-free" promotion.
Ongoing monthly service charges that accumulated over the 60-month "interest-free" period.
Consumers required to open a Latitude GO Mastercard to access the interest-free finance.
Standard interest rates applied to any non-promotional purchases on the linked card.
Real Consumer Impact
This is what happened to everyday Australians who trusted the "interest-free" promise.
A consumer purchases a $2,000 item using the "60 months interest-free" promotion. What may not have been clearly disclosed:
- One-time establishment fee at signup
- Monthly account service fees for up to 60 months
- High interest rates on any other card purchases
- Requirement to obtain a Latitude GO Mastercard
These undisclosed costs could significantly increase the total amount paid, despite the promotion being advertised as "interest-free."
The Federal Court found that consumers were not adequately informed about these fees.
What You Can Claim
The class action seeks to recover the following for affected consumers.
Establishment Fees
One-time fees charged at signup (typically $55-$99)
Monthly Account Fees
Ongoing service charges ($8.95/month × up to 60 months)
Interest Charges
Interest paid on Latitude GO Mastercard balances
Consequential Losses
Financial hardship, credit impacts, and related damages
Are You Eligible?
Check if you qualify for the class action with this quick eligibility checklist.
Purchased from Harvey Norman between January 2020 – August 2021
Used a 60-month interest-free promotion
Signed up for a Latitude GO Mastercard
Were charged unexpected fees or interest
Eligible Period
Official Sources & Coverage
This case has been documented by regulatory bodies and the courts.
What You'll Need
Gather these documents before you start your registration. Don't worry if you're missing some—you can add them later.
Latitude GO Mastercard Statements
Showing fees and charges
Harvey Norman Receipts
From your original purchase
Bank Statements
Showing fee deductions
Any Correspondence
Emails, letters from Latitude
Missing documents? You can still register and provide them later. Latitude Finance records can be obtained during the claims process.
The Path to Justice
This class action has achieved significant victories. Here is where we stand.
Initial Judgment — October 2024
Justice Yates found Harvey Norman and Latitude breached consumer protection laws.
Appeals Dismissed — September 2025
Full Federal Court unanimously dismissed all appeals by Harvey Norman and Latitude.
Current Stage: Claim Registration
Group members must register to be eligible for compensation distribution.
Full Federal Court Dismisses Appeals
The Full Federal Court has unanimously dismissed the appeals by Harvey Norman and Latitude Finance, confirming the initial judgment.
Appeal Hearing Concluded
The hearing for the appeals lodged by the respondents has concluded. Judgment is reserved.