i found the issue – the contact widget had the http:// missing form the url. I changed the http://www.loansaver.com.au to http://www.loansaver.com.au and the problem is fixed. Cannot believe the template designer would allow such a small thing to cause such a big and hidden problem.
i noticed when i turn the permalinks off, the error is only located to the home page ie http://www.loansaver.com.au has a parent URL of http://www.loansaver.com.au/www.loansaver.com.au
both site url and wordpress url are set to the same domain – http://www.loansaver.com.au
