Recovering What Is Rightly Yours

What is lost or unclaimed money?

People and businesses can lose track of their money due to changes such as a new address, name, or relocation. When this happens, financial institutions may classify the funds as ‘lost’ and transfer them to a government trust account. If left unclaimed, the money eventually becomes government revenue.

Each state in New Zealand and Australia has its own laws and agencies for managing unclaimed funds, making the claiming process complex. To avoid delays, it’s crucial to ensure the claim is accurate from the beginning.

Why have I been contacted about lost finances?

As refund specialists, we proactively reach out to individuals to assist them in reclaiming lost funds.

We’ve contacted you because we believe you may have unclaimed money.

Many people are unaware of funds that are rightfully theirs, often making it a pleasant surprise to discover money they didn’t know they were owed.

Are we certified as consultants?

We are pleased to inform you that our team is highly skilled, extensively trained, and holds valid licenses from the leading authority in the Unclaimed Money Refund sector.

WHO WE ARE

Palmer-Clarke & Co. is a specialist refund recovery consultancy dedicated to helping individuals, families, and businesses reclaim funds that are rightfully theirs.

We operate at the intersection of property, corporate records, government agencies, and financial institutions identifying and recovering overlooked, unclaimed, misallocated, or incorrectly retained funds.

As a firm built on deep commercial experience and supported by a skilled team of refund specialists, we understand the complexities of financial administration, regulatory compliance, asset management, and the systemic inefficiencies that often result in money being lost or left unclaimed.

Our strength lies in combining strategic investigation with practical execution. We bring commercial acumen, structured processes, and strong client advocacy to every matter we handle. Known for our diligence, discretion, and ability to navigate complex administrative environments, we act as trusted representatives on behalf of our clients.

Our mission is to restore financial clarity. Recover what has been overlooked. Deliver meaningful financial outcomes.

Palmer-Clarke & Co. has developed a structured, ethical, and client-first approach to refund recovery across property, government, corporate, and financial domains. We are committed to ensuring our clients benefit from opportunities that would otherwise remain hidden or unrecovered.

WHO WE HELP

CS-Refund-Solutions-individual

Individuals

CS-Refund-Solutions-Corporate

Corporate & Business

CS-Refund-Solutions-Charity

Government & Charities

What is the process for returning my money?

Our refund specialists focus on locating unclaimed funds for individuals and businesses in New Zealand and Australia who have lost track of their money. We begin by confirming the identity of the rightful owner(s) and then handle the complete claims process, including all documentation, preparation, and submission on their behalf.

What occurs if you don’t claim the funds?

In simple terms, unclaimed funds are often deposited into a government trust account and left unclaimed.

After a certain period, which varies by authority, the money is transferred to the government’s consolidated revenue fund.

Essentially, the government takes ownership of the funds, making them no longer accessible to the original owner.

READ MORE ABOUT UNCLAIMED MONEY IN THE NEWS

While this particular article discusses bank accounts alone, you can see you’re not alone in having lost funds. A staggering $1.1 billion is currently sitting unclaimed in Australia, while $ 261 million in unclaimed money is sitting with Inland Revenue, New Zealand.

Read More

WHAT KEEPS US IN CHECK!

What laws do you have to abide by?

Consumer protection laws, including the Anti-Money Laundering and Counter-Terrorism Financing Act 2006, mandate that we follow correct procedures and provide accurate information. We are legally required to promptly refund your funds to your preferred bank account or by cheque.

CA-Lisence

How do we stay up to date?

 

We are trained through Create, they serve as a third party validating our claim as refund professionals. We are frequently updated with industry information which keeps our knowledge and training relevant so you can be sure you are putting your trust in the hands of up-to-date industry experts. 

UMAA

The Unclaimed Money Association is the peak body for the Unclaimed Money Industry. The Unclaimed Money Association provides the industry, agents, government and the public with proper representation, information and education. The Unclaimed Money Association provides industry guidelines for service providers to best practice in the unclaimed money industry.

How do so many millions of dollars go missing each year?

Every day, individuals and businesses leave money with financial institutions, insurance companies, and government authorities. It’s human nature to forget, and even the best records can have gaps. As surprising as it may seem, this happens frequently. It’s estimated that 1 in 3 people may have unclaimed money without realizing it. Money is most commonly lost due to:

Overseas Move

You might have forgotten about a deposit—something that happens more often than you might think. Many people relocate overseas and forget to update their details with their service providers.

Oversight

People often forget about their investments. For instance, you might have purchased shares when you were younger and completely forgotten about them. This is quite common.

Moved House

You might have moved and forgotten to update your new contact details with relevant organizations, making it difficult for them to reach you. Alternatively, your new address might not have been updated correctly.

Types of money that is lost and waiting to be claimed:

$ 651

Million Shares

$ 1.2

Billion Bank Accounts

$ 84

Million Life Insurance

Have Questions ?

Check our FAQ section below to see if your question has already been answered by clients like you.
What is lost money?
Unclaimed Money or lost money is a term used to describe funds that have been unable to be returned to the entity they belong to. It’s easy to end up with lost funds, even the best kept records can sometimes miss something. Have you ever moved house or even opened up a new bank account? Chances are you could have money owing to you.
Where does the money go?
Once the firm you were dealing with has made a reasonable effort to reunite the entity with their lost funds they are then expected to transfer those funds to the Government where it waits until the entity steps forward to redeem it. The Australia & New Zealand Government is currently sitting on almost $10 BILLION worth of lost money!
How do we locate you?
It’s our job to track down people with money owing to them. We use a range of methods to get in contact with you; all of which are legal and ethical. We respect your privacy and only use the details given to us by Government entities in attempts to reunite you with your lost money. We believe people should be given the chance to claim it back.
How long will the process to claim my money actually take?
It is difficult to put an exact time frame on the claim process as we are dealing with busy Government departments, and as such, we often have to wait days for a reply. As soon as we hear back from them, we get in touch with you as soon as possible to let you know.
What if I don't want to claim it?
Not everyone wants to claim their lost funds for what ever reason. We offer a service which involves donating your funds to a charity of your choice. Not only is this a feel good exercise for us, but it is often quite satisfying for our clients, knowing that the funds they didn’t want went to a good cause.
How much is this going to cost me?
Our service does not involve any upfront fees or payments so you don’t have to worry about having to make payments you can’t afford. Our fee will vary depending on the amount that needs refunding. But please be aware that you will not have to pay a cent until your money is fully refunded. We don’t get paid unless you do, this minimises your risk and ensures you aren’t hit with fees that you can not afford.
Can I do it myself?
Can and should are two very different words. Just as you wouldn’t represent yourself in court, you shouldn’t try to claim lost money yourself, unless you have the knowledge to refund it the correct way. If handled incorrectly, your money can end up in all kinds of trouble. It is better to get it done right with the professional assistance of our experienced refund consultants.
Why am I being asked for more information?
Government departments often require more identification once the claim has been submitted. Please understand that this is normal and that we endeavour to ensure that your claim is processed as swiftly as possible while adhering to Government department specifications and requirements.

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