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				Category - Guides
					    If you have a dispute with a business, you can make a complaint to VCAT. Small Claims in VCAT are designed for consumers to represent themselves.
						
							
				
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									    A Cigno loan looks like easy cash, but it is actually very expensive.  Cigno does not hold a licence to lend money, and it has been fined and banned multiple times for making unsuitable loans.
						
							
				
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									    This toolkit will help you understand your rights and legal options if you are contacted by a debt collector. It explains what a debt collector is not allowed to do, how you can stop a debt collector that is not complying with the law, how and where to complain about a debt collector, when you might claim compensation from a debt collector for breaking the law
						
							
				
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