2013 - Consumer Action Law Centre

Submission: Changes to Credit Ombudsman Scheme Rules

Consumer Action had provided comment on the Credit Ombudsman Service’s proposes changes to COSL Rules: 9th Edition. We commend the Credit Ombudsman Service on its drafting of the proposed changes, mo...

Submission: ACCC / ASIC Debt Collection Guideline

Consumer Action has provided comment on the review of the ACCC / ASIC Debt Collection Guideline for Collectors and Creditors. The revised draft Guideline is a significant improvement on the existing...

December 2013

Privacy concerns over new credit card reporting rules ABC Online, 26 December 2013, Alison Caldwell Planned financial advice changes 'a step backwards', say consumer groups The World Today, 20 Decemb...

Submission: Financial System Inquiry—Draft Terms of Reference

Consumer Action welcomes the opportunity to comment on the draft terms of reference for the Financial System Inquiry. In summary, we recommend that: the overall objective for the Inquiry could be e...

Media release: Consumer protections can drive economic growth and innovation in financial system

Consumer Action Law Centre has welcomed the Federal Government’s inquiry into Australia’s financial system. In its submission on the inquiry’s draft terms of reference, Consumer Action has suggested t...

Submission: Energy Assured Limited – Revocation and Substitution – A91390 & A91391

Consumer Action’s 2011 submissions to the Code authorisation process recommended the ACCC refuse to authorise the applications, on the grounds that the proposal did not actually improve existing consu...

Media release: The numbers show Consumer Credit Insurance is a poor deal for consumers

New figures from the Australian Prudential Regulation Authority show Australians spent $330 million on Consumer Credit Insurance in the twelve months to June this year, yet only 23 cents in every doll...

Submission: Review of the regulation of owners’ corporation managers

Consumer Action has provided comment to the Review of the regulation of owners’ corporation managers Issues Paper. Our submission makes two primary recommendations: that the unfair contract term pr...

Submission: AER Alternative Energy Sellers – Issues Paper

Consumer Action supports the AER's approach in attempting to identify a suitable outcome for consumers in an evolving and increasingly complex energy market. We have provided some comments to encourag...

Joint submission: National Smart Meter Consumer Protection and Safety Review

A coalition of advocates has taken the opportunity to comment on SCER's National Smart Meter Consumer Protection and Safety Review Consultation Paper (Consultation Paper) and the National Energy Retai...

A cautionary tale about debt consolidation

Many people refinance or consolidate debts in an attempt to make their loan repayments more affordable in the short term. However, the overall cost of a new loan should be significantly lower than...

Submission: Regulatory Review of the Motor Car Traders Act (MTCA) 1986

Consumer Action has submitted comment on the Issue Paper for the regulatory review of the Motor Car Traders Act (MTCA) 1986. We generally do not agree that the regulatory burden on traders is exces...

Submission: Post Implementation Review of Ban on Mortgage Exit Fees

Consumer Action has contributed to the Post Implementation Review of the ban on mortgage exit fees. Briefly, this submission supports the existing ban on mortgage exit fees; argues that ava...

Why improved consumer protections for default judgment cases are needed

A recent report from the Consumer Action called for changes to Magistrates Court procedures to protect consumers from inaccurate law suits and inappropriate judgments. Each year 30,000 to 40,000 Victo...

November 2013

Concern finance inquiry will throw good regulation out with bad The World Today, 21 November 2013, Michael Janda Consumer groups worried David Murray's banking inquiry will focus too heavily on regul...

Media release: Repeal of carbon price to expose broken, uncompetitive energy markets

Politicians and policymakers who believe a move away from carbon pricing will result in a drop in retail electricity prices haven’t been paying attention – Australia’s retail energy markets are broken...

Submission: Carbon tax repeal legislation

Consumer Action generally does not support repeal of the legislation that is not linked to imposing a price on carbon emissions, given the dire consequences for Australians from predicted impacts of c...

Submission: Access to Justice Arrangements

Consumer Action has provided a submission to the Productivity Commission on its Issues Paper, Access to Justice Arrangements. The key points and recommendations made in this submission are: The inq...

Media release: Cash Converters sued for breaching its responsible lending obligations

Two Cash Converters franchises are being sued in the Magistrates Court by a Victorian mother who received 83 payday loans over three and a half years–54 of which were loans from Cash Converters outlet...

Joint submission: Independent Review of the Financial Ombudsman Service

Consumer Action and Consumer Credit Legal Centre (NSW) have coordinated and written a consumer submission to the independent review of the Financial Ombudsman Service. The submission contains contribu...

Submission: The performance of the Australian Securities and Investments Commission

Consumer Action Law Centre has made a submission to the Senate Economics References Committee inquiry into the performance of the Australian Securities and Investments Commission (ASIC). Briefly: w...

Media release: Review finds online lenders are reluctant to embrace the spirit of new regulations

A review conducted by the Consumer Action Law Centre has found that some online lenders providing 'payday loans' are reluctant to embrace the spirit of new regulations intended to provide consumers wi...

Press statement: Consumer groups welcome desalination plant refinancing

Consumer Action Law Centre and Consumer Utilities Advocacy Centre (CUAC) have welcomed news that Melbourne households would benefit from the early refinancing of the desalination plant project. ‘Ma...

Media release: Federal Court finds Do Not Knock Sign is ‘an unambiguous request to leave the premises’

The inventor of the Do Not Knock sticker has welcomed today’s Federal Court ruling that the sticker is legally enforceable under the Australian Consumer Law. The decision means ignoring the sticker co...

Joint media release: Some win, some lose in concessions shakeup

New restrictions on Victoria’s energy concessions will make it harder for some low income Victorians to access affordable electricity and gas, and discriminate against concession holders based upon th...

Policy report: Winners and Losers – the impact of energy concession caps on low-income Victorians

A new report from Consumer Action Law Centre and the Victorian Council of Social Service, Winners and Losers: the impact of energy concession caps on low-income Victorians, finds new restrictions on V...

Media release: Maurice Blackburn class action to highlight the sad truth about payday lending

Consumer Action Law Centre welcomes Maurice Blackburn’s class action against Cash Converters, which alleges Cash Converters ‘illegally exploited thousands of financially struggling Australians by impo...

Plan ahead to avoid the New Year credit crunch

In the months after Christmas our financial counsellors hear from hundreds of Victorians struggling with Christmas debt. Their credit card bills have arrived and the cost of presents and festivities,...

October 2013

VCOSS concerned over 'discriminatory' new Victorian energy concessions ABC Online, 11 October 2013 AGL facing $50k fine for ignoring a Do Not Knock sign Herald Sun, 11 October 2013 AGL faces $...

Direct Share Purchasing Corporation – defence kit

This self help kit was written at a time when Direct Share Purchasing Corporation had sued a number of consumers. Changes to the law have made it unlikely that consumers will see these types of cases...

A Policy Trilemma – workshop

Consumer Action held a workshop in June 2013 to further the discussion of key energy issues for consumers identified in its report, A Policy Trilemma. The workshop convened a number of participants an...

Submission: Guidelines for Complaint Handling in Organisations

Consumer Action has commented on the draft Revision of AS ISO 10002-2006: Guidelines for Complaint Handling in Organisations. We support the draft guidelines, but have made a number of recommendation...

Report: The Hidden Cost of ‘Rent to Own’

We’ve all seen adverts promoting ‘Rent to Buy’ or ‘Rent to Own’ arrangements, where customers rent a product for a number of years before being given the option to buy or keep that product, but our la...

Media release: ASIC case against The Cash Store to shape the future of payday lending

One of Australia’s biggest payday lenders, The Cash Store, will face allegations of irresponsible lending and unconscionable conduct before the Federal Court. The case being brought by the Australian...

Submission: Review of Enforcement Regime for National Energy Laws

Consumer Action has made a submission to the Standing Council on Energy and Resources in relation to its Review of National Enforcement Regimes for National Energy Laws. Consumer Action believes regul...

Media release: Australian Power and Gas the latest energy retailer taken to court over door-to-door selling

The organisation behind the national Do Not Knock campaign, has welcomed the Australian Competition and Consumer Commission’s (ACCC) Federal Court proceedings against Australian Power & Gas Compan...

ABC’s 7.30 looks at businesses cashing in on people in financial stress

The ABC’s flagship current affairs program looked into businesses that seek to profit from Australians in financial stress, a key campaign area for Consumer Action. The report says these businesses ‘c...

Stop VicRoads from disclosing your personal information to private companies

VicRoads is being forced to disclose motorists’ personal information to private car park operators who then use that information to issue payment demands. Consumer Action is throwing its support be...

September 2013

Millions of Australians at risk of defaulting on their debts ABC News’ PM, 30 September 2013, Mandie Sami Payday D-day as Money3 buys rival Cash Store The Australian, 30 September 2013, Tim Boreham...

Submission: Draft Australian Energy Regulator stakeholder engagement framework

Consumer Action has provided comment on the Australian Energy Regulator’s (AER) Draft Stakeholder Engagement Framework. We believe the Draft provides a strong foundation for the AER to engage with it...

Submission: Credit hardship obligations—outstanding issues

Consumer Action, Consumer Credit Legal Centre NSW, and Financial Counselling Australia have made a joint submission on Australian Securities and Investments Commission's discussion paper Credit Hardsh...

Joint submission: Essential Services Commission harmonisation of the Energy Retail Code and Guidelines with the National Energy Customer Framework Draft Decision

Consumer Action has contributed to a joint submission on the Essential Services Commission Harmonisation of the Energy Retail Code and Guidelines with the National Energy Customer Framework Draft Deci...

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