Amie Huntley
Australian Money Specialists
Co-founder of H & B Refunds, Amie is passionate about helping everyday Australians recover money that’s rightfully theirs. With a strong focus on trust, transparency, and personalised support, she works closely with clients to make the reclaim process simple, stress-free, and empowering.
Amie is driven by the belief that people shouldn’t miss out on what they’re owed, and that the right support can turn a confusing process into a positive, rewarding experience.
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 HELP
Individuals
Corporate & Business
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.
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.
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.
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 ?
What is lost money?
Where does the money go?
How do we contact you?
How long will the process to claim my money actually take?
What if I don't want to claim it?
How much is this going to cost me?
Can I do it myself?
Yes, you can submit a claim yourself. In practice, many people find the process more complicated than expected. Claims are often delayed, declined, or left incomplete due to documentation issues, identity verification requirements, or difficulty navigating government processes. Many people choose to work with a refund specialist because we manage those steps, follow the process through, and help prevent common issues that can slow or stop a claim.