Fear of harm from private creditors or business associates pursuing debts does not constitute a well-founded fear of persecution for a Convention reason under the Refugees Convention. Compliance with s 441A of the Migration Act 1958 (Cth) is achieved by sending notice to the last address provided, even if the notice is returned undelivered and the applicant does not receive it; the fault of an adviser in providing an incorrect address does not vitiate the RRT's compliance.
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