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Latest update: September 2025

On 3 July 2025, the Supreme Court of Victoria approved the settlement of the Esanda Car Loans (ANZ and Macquarie Bank) Flex Commission Class Action for $85 million including legal costs.  The Court also approved the Settlement Distribution Scheme (SDS) which is available here. A copy of the approval orders is available here.

The Esanda Car Loans (ANZ and Macquarie Bank) Flex Commission Class Action settlement administration has now commenced. 

There is no action required by Registered Group Members at this stage.
If you need to update your contact details, please click here.

Group Members were able to register to participate in the proposed settlement until 14 March 2025. This was a Court ordered deadline, and Maurice Blackburn does not have discretion to accept further registrations.

Thank you for your ongoing patience. To ensure that we can process your claims as quickly as possible and for the lowest costs, we will not be responding to enquiries that can be answered through the information available on our website.

Please continue to review this website for the latest updates on the Esanda Car Loans (ANZ and Macquarie Bank) settlement administration. New and updated Frequently Asked Questions will be made available throughout the administration.


Steps in the settlement administration:

What is the settlement administration process?

Settlement administration is a term used to describe the process of assessing claims and distributing settlement money to eligible Registrants.

Introduction email

Towards the end of 2025, we will email all Registered Group Members important information about the formal commencement of the settlement administration and next steps.

Confirmation of Eligibility and Eligibility Request Forms

In 2026 we will begin working on determining the eligibility of Registered Group Members.

As part of this process, we will contact certain people and request they submit further information to us in the form we request so that we can determine their eligibility.

Please do not send us further information about your car loan unless we request you do so.

Eligibility will be determined by matching new information against the Group Member information provided to us by ANZ (‘List of Borrowers’).

We estimate that this process will take 2-3 months, though it may take longer. We will then notify all people involved of whether they are eligible to participate in the settlement. 

Notice of Estimated Distribution

We will assess each Eligible Group Members claim/s using the loss assessment formula set out in the Settlement Distribution Scheme (SDS), which was approved by the Court. A copy of the SDS is available here.

Each Eligible Group Member will be sent a Notice of Estimated Distribution which details their Estimated Distribution Amount, being your estimated compensation, under the SDS.

We will ask you to provide bank details for each of the Eligible Group Members that you represent. We will check these bank details are legitimate before making any payments.

Distribution of settlement payments

Finally, each Eligible Group Member will receive a settlement payment which is calculated in accordance with the SDS. Once all payments have been made, the settlement administration will conclude.

Your obligations during the settlement administration

All Registered Group Members who participate in the settlement administration must:

  1. Ensure your email address and phone number is up to date and notify us of any changes by filling in the form available here. Email will be our primary mode of communication during the settlement administration process. 
  2. Respond to all activity requests from us including activities, emails and text prompts that request you complete an action within the timeframes and/or due dates provided.
  3. Answer all communications truthfully and to the best of your knowledge.

Please Note: failure to respond to a communication request from us within the period provided may result in you not receiving compensation under the SDS.


Contacting Maurice Blackburn

To keep administration costs to a minimum for the benefit of all Registered Group Members, we will not be responding to enquiries via email or phone that can be answered on our website.

If you need to update your contact details, please click here.

Frequently Asked Questions

The class action concerns flex commissions paid by ANZ to car dealers. ANZ allowed car dealers to set the interest rates on consumers’ car loans. The higher the interest rate set by a dealer, the higher the flex commission paid by ANZ to the dealer. The class action alleged that flex commissions were unfair and unlawful and resulted in consumers paying higher interest rates on their loans then they otherwise would have done.

Group Members had a consumer car loan arranged through a car dealer between 1 January 2011 and 31 March 2016 on which a flex commission was paid by ANZ to the car dealer. Car loans that started with Esanda and then were transferred to Macquarie in 2016 are part of this class action.  

The registration period has closed.

The deadline to register to participate in the proposed settlement of the Esanda car loans (ANZ and Macquarie Bank) flex commissions class action has passed.

Group Members were able to register their claims up until 14 March 2025. This was a Court ordered deadline, and Maurice Blackburn does not have the discretion to accept registrations after this time.

Group Members who failed to register before 14 March 2025 are ineligible to participate in this class action. 

You are registered for the Esanda Car Loans (ANZ and Macquarie Bank) flex commissions class action if you completed the registration form on our website between July 2020 and 14 March 2025 in respect of this class action.

Registered Group Members will have received an email confirming their registration upon completion of their registration. 

We currently estimate that the settlement administration will take 12-15 months commencing early September 2025. At this stage, we anticipate payments will commence in mid-late 2026. 

We are unable to provide Registered Group Members with an estimate of the amount of money they will receive if found eligible to participate in the proposed settlement. This is because any amount of compensation they receive will depend on a range of factors, including the:

  • number of Group Members who registered to participate in the proposed settlement;
  • terms of their loan contract; and
  • date on which they entered their car loan contract.

The SDS establishes the procedures for distributing the settlement sum to Eligible Group Members.

The SDS was approved by the Supreme Court of Victoria as part of settlement approval.

A copy of the SDS is available here.

Please do not send us your bank details. We will tell you when and how you can provide your bank details later in the settlement administration, in a safe and secure way.

Failure to respond to a communication request, notice or activity within a specified timeframe or due date will result in you becoming a Non-Responsive Group Member under the SDS.

Non-Responsive Group Members are not entitled to compensation under the SDS.

You will not be asked to pay any out-of-pocket costs in respect of this class action.

As outlined below, the amount of the legal costs, Plaintiff’s reimbursement payment and settlement administration costs will be deducted from the settlement sum before the remainder is distributed to Eligible Group Members.

The Court approved the following deductions from the settlement sum.

Legal costs:

The Court approved the ‘group costs order’ of 24.5%. This means that Maurice Blackburn will be paid 24.5% of the settlement sum (i.e., $20,825,000) for legal costs and the risks it took in running the class action from August 2020 to 9 May 2025.

Plaintiff’s reimbursement payment: 

The Court approved a reimbursement payment of $30,000 to the Plaintiff to compensate him for his time associated with the class action. 

Settlement administration costs: 

The Court appointed Maurice Blackburn as the settlement administrator to implement the settlement distribution scheme and approved the estimated settlement administration costs of approximately $2.7m to implement the settlement distribution scheme. 

We are unlikely to be able to respond to calls or emails about any information that is contained on this webpage as all information you need to know at this stage, can be found here.

We will send all critical communications, which are personal to you and your claim/s, by email.  

If you need to update your contact details, please click here.

If you need information about something not already answered on this webpage, email esandaflexca@mauriceblackburn.com.au. Please ensure that you include the nature of your request in the subject matter of the email to assist us in managing responses.

If your enquiry requires a timely response (and is not generic in nature or concerns a matter which can be dealt with later in the settlement administration), then we will respond to you as soon as we can. 

Australian leaders in class actions.

Our reputation for excellence in class actions is unparalleled, having recovered more than $5 billion for clients.

We are the only Australian class actions firm to deliver $100m+ settlements to clients in shareholder and listed securities actions, which we have done on ten occasions.  

Lower cost to clients

Biggest recoveries

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Australian leaders in class actions.

Our reputation for excellence in class actions is unparalleled, having recovered more than $5 billion for clients.

We're the only Australian class actions firm to deliver $100m+ settlements in multiple shareholder and listed securities actions, which we have done on 11 occasions.

Lower cost to clients

Biggest recoveries

Most experienced

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