You have recently graduated with a Bachelor of Business from Swinburne University of Technology and your parents are very proud of you when you land a job with the newly formed Australian Financial Complaints Authority (AFCA). Your supervisor at AFCA has provided you with some case files and wants you to prepare advice and answer specific questions for each of them.

You will need to provide advice on the following, based on the case study related to Matilda and Ulysses.

Response to a set of case study questions in IRAC. ALSO add the case law and law status.

1. Matilda and Ulysses want to know if they can sue T-BANK for recommending Natalie to them.
2. Are they customers of T-BANK?
3. Has ReadyQik Finance Ltd engaged in 'irresponsible lending'? What remedies are available to Matilda and Ulysses?