Were you misled by Harvey Norman's "60-month interest-free" promotion between January 2020 and August 2021? The Federal Court found their advertising was deceptive. You may be entitled to compensation.
Complete this Expression of Interest form to join the Harvey Norman & Latitude Finance class action. All information is confidential and secure.
If you made purchases using the Latitude GO Mastercard through Harvey Norman's misleading promotion, you may be entitled to join this class action and recover the hidden fees you were charged.
You made a purchase at Harvey Norman between January 2020 and August 2021 and were offered the "60-month interest-free, no deposit" payment promotion.
You were required to sign up for a Latitude GO Mastercard to access the interest-free offer, but were not clearly informed about this requirement or its associated costs.
You were charged establishment fees, monthly account service fees, or interest charges that were not prominently disclosed in the promotional advertising.
You have access to receipts, credit card statements, promotional materials, or other documentation that supports your claim. We can help you locate missing documents.
The Federal Court ruled in September 2025 that Harvey Norman and Latitude Finance’s advertisements were misleading and deceptive under Australian Consumer Law. This ruling strengthens the foundation for compensation claims. Even if you’re unsure about your eligibility,
contact us for a free assessment.
Our investigation covers various ways consumers were misled by the Harvey Norman and Latitude Finance promotion. See if your situation matches any of these common scenarios.
Bought televisions, computers, laptops, or other electronics using the "interest-free" offer and later discovered unexpected establishment fees and monthly charges on your Latitude GO Mastercard.
Purchased furniture or home appliances believing you were entering a simple interest-free payment plan, but were actually tied to a credit contract with ongoing fees.
Signed up for the promotion without being clearly informed about the establishment fee charged when you opened your Latitude GO Mastercard account.
Discovered monthly account service fees accumulating on your credit card that were not prominently disclosed when you signed up for the "no deposit" offer.
Charged high interest rates on your credit card balance despite believing you were in a genuine "interest-free" agreement for your purchase.
Relied on Harvey Norman's advertising that failed to clearly disclose that you needed to sign up for a Latitude GO Mastercard with its associated costs and conditions.
Made several purchases during the promotional period and accumulated substantial fees across multiple transactions, significantly increasing your total costs.
Purchased items for home renovation or improvement projects using the promotion, only to find the final cost was much higher than advertised due to hidden charges.
If the class action is successful, affected consumers may be entitled to recover various fees and charges that resulted from the misleading promotional practices.
Recovery of the establishment fee charged when you signed up for the Latitude GO Mastercard. This upfront cost was often not clearly disclosed in the promotional advertising and added unexpected expense to your purchase.
Reimbursement of monthly account service charges accumulated throughout the promotional period.These ongoing fees significantly increased the total cost of your purchase beyond what was advertised.
Compensation for interest charges applied to your credit card balances. Despite the promotion being advertised as "interest-free," many consumers found themselves paying interest on purchases.
Recovery of any other fees associated with the Latitude GO Mastercard that were not clearly disclosed, including late payment fees, overlimit fees, or other charges.
Potential compensation for the financial and other harm caused by relying on misleading and deceptive advertising in violation of Australian Consumer Law.
The difference between what you actually paid for your purchase (including all fees and charges) versus what you reasonably believed you would pay based on the promotional advertising.
Strong documentation strengthens your claim. Here's what we recommend gathering to support your case, though don't worry if you're missing some items - we can help track down what you need.
Don’t worry if you can’t locate all of these documents. Our legal team has experience requesting records from Harvey Norman, Latitude Finance, and other sources. We can help you obtain missing documentation to build a strong case. Contact us to discuss what you have and what we can help you get.
Get Help With DocumentationWe believe everyone deserves access to justice, regardless of their financial situation. That's why Carter Capner Law operates on a no win, no fee basis for most class action matters.
You won't pay any legal fees unless we successfully recover compensation for you. This means you can pursue your claim with confidence, knowing there's no financial risk. We only get paid if you get paid.
*No win, no fee arrangement applies to most class action matters, subject to the terms of our costs agreement. Legal fees are typically recovered from any settlement or court award, meaning there are no out-of-pocket costs to you in successful cases. We will explain all funding arrangements clearly during your initial consultation. Independent legal advice may be required in some circumstances.
This class action may be funded by a litigation funder who covers legal costs in exchange for a percentage of any successful recovery. This allows you to participate without financial risk while ensuring we have the resources to pursue the strongest possible case. Contact us to learn more about the funding arrangements.
Find answers to the most common questions about the Harvey Norman & Latitude Finance class action. If you don't see your question answered here, contact us directly.
You may be eligible if you made a purchase at Harvey Norman between January 2020 and August 2021 using the Latitude GO Mastercard as part of their 60-month interest-free promotion. If you were charged establishment fees, monthly account service fees, or interest charges that were not clearly disclosed in the promotional advertising, you should register your interest to have your eligibility assessed.
If the class action is successful, you may be entitled to recover establishment fees, monthly account service fees, and interest charges that you paid on purchases made during the promotional period. The exact amount will depend on your individual circumstances, including the value of your purchase, the duration of your credit agreement, and the specific fees you were charged. Some consumers paid hundreds or even thousands of dollars more than advertised.
Carter Capner Law operates on a no win, no fee basis for class actions. This means you will not need to pay legal fees upfront. Legal costs are typically recovered from any settlement or court award. This class action may be funded by a litigation funder who covers the legal costs in exchange for a percentage of any successful recovery. We will provide you with full details of the funding arrangements during your initial consultation, ensuring complete transparency about any potential costs.
Class actions can take several years to resolve, depending on the complexity of the case and whether it settles or goes to trial. We are currently in the investigation phase following the Federal Court’s September 2025 ruling that the advertising was deceptive. We will keep all registered participants updated on the progress of the case at each major milestone. While the process may take time, remember that you don’t need to do anything except wait once you’ve registered – we handle all the legal work.
After you register, our legal team will review your information and may contact you for additional details about your experience with the Harvey Norman promotion and your Latitude GO Mastercard. You will receive regular updates about the progress of the class action via email or your preferred contact method. Registering your interest does not obligate you to participate, but it ensures you stay informed about your options and don’t miss important deadlines. You can withdraw at any time if you choose not to continue.
Yes, it is very helpful to keep any documents related to your purchase and the Latitude GO Mastercard, including receipts, credit card statements, promotional materials, contracts, and correspondence with Harvey Norman or Latitude Finance. These documents may be important evidence to support your claim. However, if you’ve lost or discarded some documents, don’t worry – our legal team has experience requesting records from companies and can often help you obtain missing documentation. Contact us to discuss what you have and what we can help you locate.
You can still join the class action even if you currently have an outstanding balance on your Latitude GO Mastercard. Participating in the class action does not affect your obligations under your credit agreement. However, if the class action is successful, any compensation you receive may help offset the costs of your purchase and reduce your overall debt. Continue to make your required payments to avoid any negative impact on your credit rating while the legal proceedings are underway.
Absolutely. The fact that you’ve paid off your balance doesn’t disqualify you from joining the class action. In fact, if you paid establishment fees, monthly service fees, and interest charges as part of paying off your balance, you may be entitled to recover those costs if the class action succeeds. The key question is whether you were misled by the promotional advertising when you made your purchase, not whether you still owe money.
In September 2025, the Federal Court ruled that Harvey Norman and Latitude Finance’s advertisements for the “60-month interest-free, no deposit” promotion were misleading and deceptive under Australian Consumer Law. The court found that consumers were not clearly informed that they would need to sign up for a Latitude GO Mastercard to access the offer, and that the hidden costs associated with the card (establishment fees, monthly service fees) meant the true cost was significantly higher than advertised. This ruling provides a strong legal foundation for compensation claims.
While the class action is currently accepting registrations, deadlines may be imposed at any time as the case progresses through the court system. Additionally, Australian Consumer Law generally requires claims to be brought within six years of when the misleading conduct occurred. Since the promotion ran from January 2020 to August 2021, time is already running out for some purchases. We strongly recommend registering your interest as soon as possible to protect your rights and ensure you don’t miss any critical deadlines. Registration takes just minutes and carries no obligation.
No, simply joining the class action will not affect your credit rating. Participating in a class
action to recover fees you believe were improperly charged is not reported to credit agencies and
does not indicate any failure to meet your financial obligations. However, it’s important to continue
making any required payments on your Latitude GO Mastercard according to your credit agreement to
maintain your good credit standing. If you’re having difficulty making payments, contact us to
discuss your options.
If you made multiple purchases at Harvey Norman during the promotional period using your Latitude GO Mastercard, you may be entitled to claim compensation for all of them. Multiple purchases would
have resulted in accumulating monthly service fees and potentially higher establishment fees or
interest charges. This could mean you’re entitled to recover a substantial amount. When you register,
be sure to provide information about all relevant purchases, and we’ll assess the total impact of
the misleading promotion on your finances.
Access helpful resources and guides to learn more about your consumer rights, class actions in Australia, and the Harvey Norman & Latitude Finance case.
A comprehensive guide to Australian Consumer Law, including your rights when businesses engage in misleading or deceptive conduct. Learn how consumer protection laws work and what remedies are available when your rights are violated.
Download GuideRead the key findings from the Federal Court's September 2025 ruling that found Harvey Norman and Latitude Finance's advertising was misleading and deceptive.
Read SummaryNew to class actions? This guide explains how class action lawsuits work in Australia, who can participate, and what to expect throughout the legal process.
Learn MoreOur consumer law experts are available to answer your questions. Contact us today for a free, confidential consultation.
Call 1300 882 816