Merion Pty Limited (ACN 684 211 390) has been recovering commercial debts since February 2025. Here is exactly how we are regulated, what we do, and — just as important — what we do not do.
Merion contacts debtors by letter, email, SMS and phone to resolve outstanding business accounts on behalf of our clients. We operate entirely remotely — we do not attend premises, repossess goods, or run court proceedings. Every account we work involves a debtor located in Queensland, Victoria, New South Wales or the Australian Capital Territory.
Debt collection in Australia is regulated under the ACCC & ASIC Debt collection guideline: for collectors and creditors (RG 96) and the Australian Consumer Law. We build our process around those rules directly — contact timing, disclosure requirements, how we deal with disputes and hardship, and how personal information is handled under the Privacy Act 1988 (Cth). If something in our conduct does not look right to you, contact us. We investigate every complaint and take the outcome seriously.
Debt collection licensing in Australia is activity-based. Merion operates remotely — no field agents, no premises attendance — so our activities do not require a commercial agent licence in QLD, VIC, NSW or the ACT. We keep this position under review as our services develop.
Australian law sets standards on how often we can contact someone, what we must say, and what we cannot do. We build our process around those rules — we don't just check against them afterwards.
We hold and use personal information under the 13 Australian Privacy Principles. We collect what we need to recover the account, keep it secure, and do not sell it or share it beyond what the job requires.
We do not threaten court action we have not taken instructions on. We do not contact employers or family members without proper legal basis. Where an account is genuinely disputed, we stop collecting and refer it back to the client for a response.
Our practices are documented and reviewed against current regulatory guidance. If you have a concern about how an account is being handled, we want to hear about it directly.
Not for what we do. Commercial agent licensing in Australia covers physical activities — attending premises, repossession, and similar field work. Merion operates by letter, email, SMS and phone only, so those licensing requirements do not apply to our activities in QLD, VIC, NSW or the ACT. We review our position regularly as our services develop.
No. Merion resolves accounts through written contact, telephone negotiation and, where appropriate, payment arrangements. We do not run litigation or court proceedings. If a client decides to pursue legal action after the recovery process, we can refer them to legal practitioners in the relevant state or territory.
Tell us — in writing if you can, but any way works. Once a debt is disputed, we are required to stop collection activity on that account while we refer it back to the client and provide you with a substantive response. Disputes are part of the process; they are not treated as obstacles.
We hold personal information strictly under the Privacy Act 1988 (Cth) and the Australian Privacy Principles. We collect what is needed to recover the account, do not use it for other purposes, and do not sell it. The full detail is in our Privacy Policy. Complaints about our privacy practices can be escalated to the Office of the Australian Information Commissioner (oaic.gov.au).
The ACCC and ASIC jointly administer the Debt collection guideline (RG 96). The Privacy Act is overseen by the OAIC. Consumer protection complaints can also go to state and territory consumer agencies — Consumer Affairs Victoria, NSW Fair Trading, the ACT Office of Regulatory Services, or the ACCC directly.
Ask us directly — we give straight answers.
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