Credit limit offers in the spotlight
We’ve all seen letters, emails or text message from banks trying to entice us to increase our credit limits. They come in a range or forms from Congratulations, you’ve been pre-approved, to Increase y...
Media release: Retirement village contracts confusing for consumers, says consumer group
The Consumer Action Law Centre says a case in which it is assisting an elderly retirement village resident with her dispute before the Victorian Civil and Administrative Tribunal (VCAT) demonstrates t...
Media release: Energy retailers urged to end to door-to-door sales
The Consumer Action Law Centre has challenged Australia's energy retailers to put an end to door-to-door energy sales. The Centre issued the challenge on the back of new research showing 77 percent of...
Energy retailers urged to end door-to-door sales
Consumer Action has challenged Australia's energy retailers to put an end to door-to-door energy sales. The Centre issued the challenge on the back of new research showing 77 per cent of Australians h...
March 2012
Court action follows door-to-door complaints PerthNow, 27 March 2012 Mortgage delinquency rate spikes ABC Radio, PM, 27 March 2012, Michael Janda Baillieu Government backs water fines for late...
February 2012
Flood cover: Insurers are still waiting Insurance News, 27 February 2012 Gillard Government doubles the maximum interest rate vulnerable consumers can be slugged The Daily Telegraph, 25 February 20...
Media release: Consumer Action Law Centre welcomes clarification of legal position of Do Not Knock sticker
The Consumer Action Law Centre has welcomed the proceedings initiated by the Australian Competition and Consumer Commission against three energy retailers and their marketing companies in relation to...
Submission: Fact sheets for home building and home contents insurance contracts (Treasury)
Submission to Commonwealth Treasury on the proposal to introduce key facts sheets for home building and home contents insurance contracts. To read our submission, please click here: Home Building and...
Submission: Proposed acquisition of GEAC by AGL Limited (ACCC)
Submission to the Australian Competition and Consumer Commission on the proposed acquisition of Loy Yang Power (GEAC) by AGL Limited To read our submission, please click: AGL Energy : GEAC acquisitio...
Media release: Consumer and welfare groups make eleventh hour bid to protect vulnerable Victorians
A group comprising consumer advocates and welfare agencies has made an eleventh hour plea to members of the Victorian Upper House, urging them to amend a bill which would allow metropolitan water busi...
Submission: Review of the regulatory impact assessment process (Department of Finance)
Submission to the Review of the Australian Government’s Regulatory Impact Assessment Process To read our submission, please click: Review of the Regulatory Impact Assessment process...
Do I have to pay an old debt?
Key Messages: There are time limits for taking legal action. This means that your debts may become too old for a creditor to successfully take legal action against you. Get advice before maki...
Submission: Energy white paper (Department of Resources, Energy and Tourism)
Submission to the Federal Government’s Energy White Paper consultation. To read our submission, please click: Draft Energy White Paper...
Federal Government’s Energy White Paper consultation
Consumer Action made a substantial submission to the Federal Government’s Energy White Paper consultation. The Draft White Paper is largely directed to industry development and investment, but is sile...
Submission: Gift Cards in the Australian Market
We’ve made a submission to the Commonwealth Consumer Affairs Advisory Council (CCAAC) in response to its Issues Paper, Gift Cards in the Australian Market. We’ve argued that consumers should be better...
New consumer guide released: common problems in private colleges and training institutions
Common themes emerging in consumer complaints about some private colleges and training institutions has prompted the Consumer Action to publish a guide about common problems, how to avoid them and whe...
Debt collection – I’m being hassled by a debt collector, what should I do?
Use this fact sheet if you: are being hassled by a debt collector; or think that a debt collector or a creditor might be acting unfairly or unlawfully What do I do if I am being hassled b...
Debt collection – What can I do if a debt collector calls?
Use this fact sheet if: a creditor or debt collector has contacted you demanding that you pay a consumer debt; and legal proceedings have not been issued. If your problem relates to Centrel...
Policy Position on Water Pricing for Sustainable Household Consumption
Consumer Action has released a policy position paper on water pricing. While recognising the difficulties of rising water prices, the paper argues that over-reliance on water pricing as a demand manag...
Media release: Consumer group says Cash Converters’ process need formal investigation
The Consumer Action Law Centre has asked the Australian Securities and Investment Commission (ASIC) to undertake a formal investigation into the internal dispute resolution processes of Cash Converter...
Joint consumer submission: EDR jurisdiction where debt collection commenced (ASIC)
Joint consumer submission in response to ASIC consultation paper 172: jurisdiction of External Dispute Resolution schemes to hear complaints against financial services providers who have started debt...
Ombudsman asked to consider lending practices of payday loan provider
Consumer Action is lodging another dispute against a high profile payday loan provider. The most recent dispute, being lodged on behalf of Ms Jane Bowyer with the Credit Ombudsman Service, alleges The...
Media release: Ombudsman asked to consider lending practices of payday loan provider
Consumer Action is lodging another dispute against a high profile payday loan provider. The most recent dispute, being lodged on behalf of Ms Jane Bowyer with the Credit Ombudsman Service, alleges The...
Submission: Gift cards in the Australian market (CCAAC)
Submission to the Commonwealth Consumer Affairs Advisory Council in response to its Issues Paper: Gift Cards in the Australian Market. To read our submission, please click: Issues paper- gift cards i...
Policy Report: Door-to-door sales – consumer attitudes
The Consumer Action Law Centre recently commissioned research into consumer attitudes toward door-to-door selling. Key findings are: 77% dislike door-to-door sales Only 3% have a generally positive...
Submission: Unfair terms in insurance contract (Treasury)
Submission to the latest round of Federal Government consultation on unfair terms in insurance contracts. To read our submission, please click here: Unfair terms in Insurance contract...
Submission: A variation to surcharging standard (Reserve Bank of Australia)
Submission to the Reserve Bank of Australia regarding proposed changes to prevent traders charging excessive surcharges for credit card transactions. To read our submission, please click: A Variation...
Debt collection
Consumer Action regularly receives complaints from consumers that are persistently contacted by debt collectors. In our experience, most debtors that contact our services have a genuine desire to repa...
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Submission: Interest free disclosure method (Treasury)
Submission to Commonwealth Treasury regarding proposed regulation on proper disclosure of ‘interest free’ credit card offers. To read our submission, please click: Interest Free Disclosure Method...
VCAT cases will put Victoria’s new debt collection laws to the test
Both cases will test the law which commenced at the start of 2011 which requires debt collectors to stop contacting a debtor once the debtor has requested in writing that it do so, unless the contact...
Media release: Consumers the losers as competition tribunal sides with power companies – yet again
Victorian households are staring down the barrel of yet another electricity price hike after the Australian Competition Tribunal (ACT) overturned significant aspects of the ruling of the energy indust...
Consumers the losers as competition tribunal sides with power companies – yet again.
Victorian households are staring down the barrel of yet another electricity price hike after the Australian Competition Tribunal (ACT) overturned significant aspects of the ruling of the energy indust...
Media release: VCAT cases will put Victoria’s new debt collection laws to the test
In what are believed to be two of the first cases to test Victoria's new ‘prohibited debt collection practices’, the Consumer Action Law Centre is helping two clients pursue legal cases against debt c...
Exploitative credit— payday loans and consumer leases
Financial inclusion is not only about access to financial services, but protection from exploitative products that are inappropriate to consumers' needs. Over the last three years, we have campaigned...
Do Not Knock—stopping unwanted door-to-door salespeople
Door-to-door salespeople often use high-pressure tactics to get people to buy products they don’t want, don’t need, and can’t afford. We’ve heard of cases where people have been deliberately misled, a...
Contracting competition in the energy retail market results in lacklustre performance
A new report showing three leading energy retailers control almost 75 percent of market share is bad news for Victorian households which are missing out on the financial benefits and service improveme...
Submission: Review of the Insurance Contract Amendment (Parliament)
Submission supporting the draft Insurance Contracts Amendment Bill 2011, which will introduce a standard definition of flood and key facts sheets for consumer insurance contracts. To read our submiss...
Your right to return goods bought online
In January 2011, the Australian Government introduced legal protections for consumers buying goods or services called ‘consumer guarantees’. Consumer Guarantees ensure that you can get a refund, repla...
Policy report: A scan of the return policies of online retailers in Australia
In January 2011, the Australian Government introduced legal protections for consumers buying goods or services called ‘consumer guarantees’. Consumer Guarantees ensure that you can get a refund, repla...
Getting the most out of the new Australian Consumer Law
The Australian Consumer Law came into effect on 1 January 2011. It harmonises consumer protection and fair trading legislation nationally, and introduces new national unfair contract terms protections...
Community lawyers claim The Cash Store’s holiday marketing is irresponsible
A new advertisement from one of Australia’s leading payday loan brokers, The Cash Store, has raised the ire of two community legal centres, who fear the advert may result in many Victorian’s entering...
Media release: Community lawyers claim The Cash Store’s holiday marketing is irresponsible
A new advertisement from one of Australia’s leading payday loan brokers, The Cash Store, has raised the ire of two community legal centres, who fear the advert may result in many Victorian’s entering...
Media release: Hire car insurance is not what it seems, in fact, it’s often not insurance at all
As many Victorians head off on holidays, the Consumer Action Law Centre is warning consumers that hire car 'insurance' is not what seems. Indeed, it’s often not insurance at all but, rather, an indemn...
Submission: Retirement villages contract and information disclosure reports (Consumer Affairs Victoria)
Submission on Consumer Affairs Victoria's discussion paper Retirement Villages: Contracts and Information Disclosure reports. To read the submission, please click here....
Media release: Contracting competition in the energy retail market results in lacklustre performance
A new report showing three leading energy retailers control almost 75 per cent of market share is bad news for Victorian households which are missing out on the financial benefits and service improvem...
Media release: Public education the key to realising the benefits of Victoria’s smart meter rollout
Households can look forward to the long promised but often delayed benefits of smart meters following the Victorian Government’s decision to go ahead with the rollout, due to be completed by the end o...
Submission: Debt collection harmonisation (Consumer Affairs Victoria)
Submission to Consumer Affairs Victoria supporting harmonisation of Australian debt collection laws, and calling for stricter regulation of the debt collection industry. To read our submission, pleas...
Submission: National electricity amendment (Australian Energy Market Commission)
Submission on the Australian Energy Market Commission's Consultation Paper; National Electricity Amendment (Economic Regulation of Network Service Providers) Rule 2011. To read our submission, please...
Media release: National unfair contract terms and consumer guarantees to be under the spotlight
The Australian Consumer Law’s unfair contract terms provisions are set to be tested in the Victorian Civil and Administrative Tribunal (VCAT) after the Consumer Action Law Centre issued proceedings ag...