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Resources and Toolkits

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Consumer
Worker

Guides

Bills & Money Problems
- CDE02-My house is being repossessed, what can I do?
- CDE03-I can’t pay my power or gas bill
Cars
- CCO02-Can I get out of a contract to buy a car from a car dealer? Your Cooling-off rights
- CIN01-DemandARefund.com – Consumer Credit Insurance, Gap Insurance and Used Car Extended Warranties
Debt Collectors
Insurance
- CIN01-DemandARefund.com – Consumer Credit Insurance, Gap Insurance and Used Car Extended Warranties
- CIN02-Free insurance advice
Loans & Credit
Products/Services
- CCO03-Taking your case VCAT
- CCO04-I’ve bought something faulty, unsafe, damaged or doesn’t match the advertising

Template Letters

Debt Collection
- CDE01-Letter asking for a waiver
Loans
- CCR01-Letter requesting loan documents
Products & Services
- CCO01-Letter about defective goods and services
Bills & Money Problems
- Resources coming soon

External Links

Genwest Flood Insurance Guide in ENGLISH and VIETNAMESE

Toolkits

WCO01-Issue spotting NDIS debt and consumer law
WCR01-People affected by family violence
WCR02-Payday Loans
WCR03-Cash Converters Toolkit
WCR04-Unsuitable and unjust loan by ClearLoans complaint by borrower
WCR05-Unsuitable and unjust loan by ClearLoans complaint by guarantor
WCR06-Taking action against a credit repair company
WCR07-Cigno Loans Action Pack
WCR08-National Consumer Credit Protection Act 2009 (NCCPA) Quick Reference Tool
WDE01-Fact Sheet: New rules to help keep the lights on in Victorian households
WDE02-People who are experiencing or at risk of homelessness
WDE03-People with a disability

Template Letters

Debt Collection
Consumer Leases
- WCR09-Letter requesting documents about a consumer lease
- WCR10-Vendor Terms Rent to Buy Resource for Workers
Loans
- WCR11-Letter regarding unjust or unsuitable small amount credit contract
- WCR12-Letter requesting documents about a credit contract

Issue Spotting

WCO01-Issue spotting NDIS debt and consumer law
WDE02-People who are experiencing or at risk of homelessness
WDE03-People with a disability
WDE08-Family Violence Issue Spotting
WIN01-Extreme weather issue spotting: Insurance

Referral Pathways

WDE10-Who can help with money problems?

External Links

EXT001-Report misconduct to ASIC
Genwest Flood Insurance Guide in ENGLISH and VIETNAMESE for Workers

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Worker resources

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Consumer Action is based on the land of the Traditional Owners, the people of the Kulin Nations. We acknowledge their history, culture and Elders both past and present.

Funding for the Financial Counselling Program workers advice service and continuous professional development program is provided by the Victorian Government via Consumer Affairs Victoria

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Consumer Action’s Legal Help contains general information only and is not a substitute for obtaining legal advice. Consumer Action does not accept liability for any action taken based on information presented on this website or for any loss suffered as a result of reliance on this website. Copyright © 2025 Consumer Action Law Centre. All rights reserved.

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