Goods and Services - Consumer Action Law Centre

National Energy Retail Amendment (Strengthening Protections for Customers in Hardship) Rule 2018 Draft Rule Determination

The mortgage broking industry is long overdue for reform

The mortgage broking industry is long overdue for reform. Landmark inquiries from the Banking Royal Commission and the Productivity Commission, as well as a number of ASIC investigations, have all...

Energy regulators should have strong powers to stop misconduct

Consumer Action supports the Treasury Laws Amendment (Prohibiting Energy Market Misconduct) Bill 2019 (the Bill). We feel that it will ensure the Australian Energy Regulator (AER) has appropriate powe...

Fairness needs to be at the forefront of the energy market

It is our firm stance that fairness should be at the forefront of all markets. In our comment on the Energy Security Board (ESB) Post 2025 Market Design Issues Paper (Issues Paper), Consumer Action...

New telco industry data highlights urgent need for effective regulation and enforcement powers to protect Australians

New complaints data released by the Telecommunications Industry Ombudsman (TIO) emphasises the clear need for regulation and strengthened regulator enforcement powers to protect Australians from poor...

Giving energy users access to fair finance for new energy tech

On 9 September 2019, Consumer Action attended a pre-decision conference on AA1000439 New Energy Tech Consumer Code (The Code) Application. We have provided a further submission following the discussio...

Making sure Victorian energy is safe for those requiring power for life support purposes

Most people would take the reliability of electricity services for granted. When the power goes out, it is frustrating, but not life threatening. But for many Australians, a loss of electricity is...

Rent4Keeps sued over unaffordable consumer leases

A Victorian woman living with a disability has brought proceedings in the Federal Circuit Court regarding five consumer lease contracts from Darranda Pty Ltd, trading as Rent4Keeps, and Mobberley Ente...

Looking after the needs of Victorian energy consumers

The Energy & Water Ombudsman Victoria (EWOV) plays an important role in ensuring Victorian households have ongoing access to fair outcomes in relation to the provision of essential energy and wate...

Keeping energy market prices down during energy shortages or network constraints

Demand response service providers could play an important role in the event of energy shortages, coordinating high energy users to consumer less to help keep energy prices down across the market. Curr...

Preparing vulnerable Victorians for electricity outages

Consumers rely on energy distribution businesses to ensure a consistent supply of their essential electricity services. It is important that these businesses are regulated effectively so that consist...

Submission: Telecommunications Consumer Safeguards Review Part A – Consumer Redress and Complaints Handling

The norm of fairness must be recognised

Our existing consumer protection framework has failed to prevent unfairness from becoming embedded in business practices. From unclear marketing, subscriptions that make cancellation difficult, to...

New Energy Tech Consumer Code must protect Australians from exploitative buy now pay later arrangements

Consumer Action regularly assists vulnerable and disadvantaged consumers in Victoria with legal and financial issues that arise due to new energy technology such as solar. . The New Energy Tech Consu...

Victorian Default Offer to apply from 1 January 2020 Issues Paper

The Victorian Default Offer (VDO) was designed to re-regulate electricity pricing to ensure that more Victorian households receive a fair price on their electricity service. Since the VDO’s establishm...

Landmark report shows Victorian Government’s new policies are reducing energy disconnections, but energy companies are still falling short addressing consumer vulnerability

A new report shines a light on the Victorian Government’s ‘Payment Difficult Framework’ finding that disconnections have significantly decreased, but some energy companies are still giving vulnerable...

Energy Assistance Report: tracking how Victoria’s changing energy policies are impacting households in the state

Consumer Action's new landmark report shows that the Victorian Government's new policies are reducing energy disconnections, but energy companies are still falling short addressing consumer vulnerabil...

Victoria’s Mental Health Royal Commission must examine links between links between poverty, debt and mental health

Consumer Action’s financial counsellors and lawyers speak regularly to individuals experiencing mental health issues. These individuals are commonly trying to deal with a range of consumer problems in...

Telecommunications Consumer Protection Code Inadequately Protects Consumers: Consumer Groups

The revised Telecommunications Consumer Protection (TCP) Code fails to adequately protect telco consumers, according to consumer groups. Despite consultation with the telco industry and regulator,...

Ensuring energy contracts are clear and fair, ESC Issues Paper

Deregulation in Victoria’s energy retail market has not delivered fair outcomes for all households accessing their essential energy services. The State Government has taken a number of steps to hel...

Unconscionable conduct: Divided High Court confirms need for change to the law

In its response to the High Court finding that a ‘book-up’ credit scheme operated in the remote Aboriginal community of Mintabie in the South Australian APY lands was not unconscionable, Consumer Acti...

Banks should recognise that anyone can become vulnerable: Submission to ABA Guideline on Customer Vulnerability

There are any number of reasons why a person would be unable to unwilling to speak up when they are struggling with their financial situation. Who among us hasn’t faced a financial issue at one poi...

Government sets new energy price safety net to stop Victorians getting ripped off

Victorians will be taking back control of their energy prices thanks to the introduction of the Government’s new default energy offer. Consumer Action Law Centre (Consumer Action) is strongly suppo...

Newly passed bill officially bans rent-to-buy and vendor finance schemes from the Victorian housing market

The historic ban on certain residential vendor terms and rent-to-buy agreements, included in the Sale of Land Amendment Bill 2019 passed by Parliament this week means vulnerable home purchasers will b...

Essential Services Commission Consequential amendments related to the Victorian Default Offer Draft Decision

Generally, we strongly support this Draft Decision as it makes clear that energy retailers must ensure that they inform households in Victoria of new protections and options available when choosing an...

New Energy Tech Consumer Code ACCC application

Energy is an essential service and the energy system is rapidly transitioning to new technologies. Householders are finding it increasingly complex, confusing and risky to make decisions about their e...

ASIC must overhaul responsible lending guidance to protect Australians

Consumer Action Law Centre (Consumer Action) has called on the Australian Securities and Investment Commission (ASIC) to urgently overhaul responsible lending guidance to better protect Australians fr...

New framework creates better outcomes for Victorians struggling with energy debts

The rising cost of energy has long been a concern for families across the country. The Victorian Government is working to help combat energy affordability issues through its Energy Fairness Plan an...

Proposed AFCA arrangements for comparative reporting of complaint data

Comparative reporting of data related to complaints against financial service providers will empower consumers to make informed decisions about where to take their business. Consumer Action Law Centr...

ACCC Northern Australia Insurance Inquiry First Interim Report

Consumer Action Law Centre (Consumer Action) strongly supports the Australian Competition and Consumer Commission’s (ACCC) important work on insurance pricing and the operation of insurance markets in...

Insurance Claims Handling: Taking Action on Recommendation 4.8 of the Banking, Superannuation & Financial Services Royal Commission

Claims handling is the most critical part of the insurance process for many consumers. Unfortunately, ‘legal loopholes’ have caused undue stress and delayed resolutions for too many consumers in thei...

Re-regulation of energy prices will see Victorians paying a fair price

The Victorian Default Offer (VDO) for the state’s energy market must be available to all Victorians or its objective to ‘provide a simple, trusted and reasonably priced electricity option that safegua...

Regulatory framework for new embedded networks

CALC is supportive of the AEMC’s proposed regulatory framework for new embedded networks, as equity in consumer protections should not be dependent on the business model of the supplier of energy. I...

Enhanced regulatory framework would make industry codes enforceable if compliance required

Industry codes – often referred to as codes of conduct – can be useful when they genuinely improve standards in the relevant sector, provide meaningful rights for consumers and are complied with by in...

Submission on the Australian Financial Complaints Authority (AFCA) Rules Changes

Consumer Action Law Centre (Consumer Action) welcomes the opportunity to comment on the proposed changes to expand AFCA’s jurisdiction to deal with eligible complaints about conduct dating back to 1 J...

Energy pricing under the Victorian Default Officer must ensure fairness for consumers

As part of its response to pressure to curb energy prices and address inequality within Victoria’s energy market, the Victorian Government recently introduced the Victorian Default Offer (VDO). The V...

Sunny Side Up: Strengthening the consumer protection regime for solar panels in Victoria

Reliable, affordable, renewable energy has helped many Australians take back control of their power prices. Yet as the solar industry booms, consumer protection has not kept up. More needs to be done...

ASIC handed new powers to tackle harmful financial products

Newly enacted laws about the fairness of financial products and services can work to prevent harm in banking and finance if the Australian Securities and Investments Commission (ASIC) takes immediate...

Key Findings: Sunny Side Up: Strengthening the Consumer Protection Regime for Solar Panels in Victoria

Consumer Action Law Centre (Consumer Action) has released the key findings of its latest report, Sunny Side Up which focuses on the urgent need to strengthen the consumer protection regime for solar p...

It’s time to clean up energy market pricing for all Victorians

Consumer Action Law Centre (Consumer Action) commends the Essential Services Commission’s (ESC) draft advice to the Victorian Government about the default regulated price for electricity, but urges re...

ESC Compliance and enforcement policy draft decision

We support the ESC changing its compliance and enforcement policy to reflect a risk-based, intelligence-led, outcome focused approach. The ESC must be able to transparently demonstrate that it is effe...

Helping customers engage confidently in the retail energy market draft decision

We support changes to regulation that will facilitate simple ways of resolving issues with estimated billing. While we support making consistent factsheets for energy offers that are easier to compreh...

Victorian households must have protected and simple access to a fair price for energy

We strongly support the ESC’s work to implement the VDO as a priority. Victorian households must have protected and simple access to a fair price for an essential service. In the period without price...

Submission: Treasury Laws Amendment (Prohibiting Energy Market Misconduct Bill) 2018

Appropriate responses to misconduct or consumer harm identified as part of ongoing electricity price monitoring

Consumer Action has provided a submission to the Senate Economics Committee inquiry on the Treasury Laws Amendment (Prohibited Energy Market Misconduct Bill) 2018. We support the Bill, which will allo...

Submission: Consultation Draft Behind the Meter Distributed Energy Resources Provider Code

Consumer Action has provided feedback on the Consultation Draft Behind the Meter Distributed Energy Resources Provider Code. We consider: the name of the code should be readily understood by the...

‘Car-napping’ court win against car hire company

Consumer Action Law Centre (Consumer Action) has successfully defended a case brought by hire car company, Insurance Replacement Rentals (IRR), against Mr Makyle Mekonnen, a car accident victim. The...

ACCC monitoring of the electricity supply in the National Energy Market discussion paper

We welcome the ACCC’s ongoing inquiry into the prices, profits and margins in the supply of electricity in the NEM. A plethora of reports have established that the electricity market is not operating...

Energy Security Board Strategic Energy Plan consultation on proposed metrics

We support the ESB developing a set of outcomes and objectives and associated tangible metrics that will measure whether these outcomes and objectives are achieved. We also support the metrics that ha...

National Energy Retail Amendment (Strengthening Protections for Customers in Hardship) Rule 2018 Draft Rule Determination

The Consumer Action Law Centre (Consumer Action) welcomes the opportunity to comment on the National Energy Retail Amendment (Strengthening Protections for Customers in Hardship) Rule 2018 Draft Rule...

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