BMW Finance – you could get compensation

The Australian Securities Investment Commission (ASIC) recently took action against BMW Australia Finance (BMW Finance) for signing up customers to car loans they could not afford between 1 January 20...

Why we are willing to pay for mega expensive things

Paul Harrison, Deakin University It may not seem logical or good value for money, but there are plenty of us that will fork out for expensive presents this Christmas. Maybe it will be close to A$3,00...

iTutor Learning Systems

Consumer Action has assisted a Somali woman to file a complaint relating to education software, iTutor Learning Systems. The software was sold to the woman in her home by a salesperson representing Vi...

Second-hand cars: No warranty? No worries

Victorians have been handed a huge win after the Victorian Civil and Administrative Tribunal (VCAT) confirmed that a car dealer can still be responsible for problems with a faulty car even where there...

Legal action against Get Qualified Australia

Consumer Action has assisted a 34 year old migrant to take legal action against Get Qualified Australia. GQA claims to assist people with the process of Recognition of Prior Learning (RPL). RPL is an...

Power Transformed

The rapid development of new technology in electricity supply is disrupting the traditional means of delivery of this essential service. As in other sectors, the consumer is at the heart of these chan...

Evaluating Consumer Action’s worker advice service

Consumer Action Law Centre (“Consumer Action”) improves the lives of Victorians by advancing fairness in the marketplace. To this end, we publish consumer law information, run a legal advice service,...

Lawyers and Referrer Conflict—an underrated risk

The risk of a conflict of interest can arise in some arrangements where lawyers have a relationship with a party from which they receive regular client referrals. The extent of this conflict of intere...

Good enough for Google. Good enough for Australia.

Google’s decision last week to ban the advertisement of payday loans demonstrates that the world is moving against the proliferation of payday loans. It is Australia’s turn to show leadership and clam...

Vendor terms and rent-to-buy schemes

Vendor terms or 'rent-to-buy' schemes promise to help you buy property when you don’t have the income, savings or credit history to get a regular mortgage. Often there’s a broker or agent who advertis...

‘Debt vultures’ in the spotlight

Australians live with over $1 trillion in personal debt, according to recent data from the Reserve Bank of Australia. That’s a staggering figure that should have economists, legislators and regulators...

Life Insurance Reform Legislation

The Consumer Action Law Centre (Consumer Action) welcomes the opportunity to comment on the exposure draft Corporations Amendment (Life Insurance Remuneration Arrangements) Bill 2015 (the draft bill)....

How to make a complaint – step-by-step guide

What do I need to start? It's best to have your insurance or warranty documents with you when you complete the letter.  If you don't have them, see below for tips for requesting these documents. It...

Gap insurance – fact sheet

What is it? Gap insurance (sometimes called ‘shortfall insurance’, ‘price protection insurance’ or ‘guaranteed asset protection’) is designed to provide cover for the 'gap' between: What you owe un...

Consumer credit insurance – fact sheet

What is it? If you have taken out a loan recently, or you have a credit card, the finance provider might also have sold you consumer credit insurance. Consumer credit insurance (CCI) is sometimes ca...