Which of the following statements is incorrect?

Select one:
a. The court may decide that a credit contract, mortgage or guarantee is invalid due to the credit provider’s (or its representatives’) misconduct or unjust behaviour
b. Unjust behaviour may include unconscionable, harsh or oppressive behaviour
c. Mortgage brokers must ensure that they have undertaken all reasonable enquiries to collect correct and complete information from their clients and that they have analysed these appropriately
d. Breaches of the National Credit Code are only subject to civil penalties