We provide workers in the legal and community sectors with the resources and information they need to identify exploitative products and business practices and help their clients fight back.
Our purpose is to make life easier for people experiencing vulnerability and disadvantage. We use our skills in the law, financial counselling, policy and campaigning to make consumer markets fair.
[Select product or service]Car nappingCarsConsumer goodsConsumer servicesCredit – Consumer LeaseCredit – Credit assistance/brokingCredit – Credit CardCredit – Home loanCredit – PawnbrokingCredit – Payday loanCredit – Personal loanCredit – OtherCredit reportingDebt – Debt vulturesDebt – OtherDomestic buildingEducationEnergy – newEnergy – traditionalInsurance – Add onInsurance – Funeral and lifeInsurance – GeneralNDIS registered product or serviceRetirement housingTelecommunicationsTimeshareVendor terms/rent-to-buyWater
[Select Systemic Issue]Aggressive debt enforcementBilling disputeBreach of contractBreach of Motor Car Traders ActClaim refusedClient taken unfair advantage ofCo-borrower who is really guarantorConsumer guarantees breachCover refusedDebtor charged cost of debt collectionDebtor feels harrassedDisconnectionExcessive fees/ chargesFailure to comply with loan guarantor requirementsFailure to identify / account for vulnerabilityFailure to offer URGFailure to repair, refund or replaceHigh pressure salesInaccurate credit reportInadequate external dispute resolutionInadequate hardship assistanceInadequate internal dispute resolutionInappropriate referral for financial counsellingInappropriate use of CentrepayInsolvent traderIrresponsible lendingMisleading or deceptive conductPayment difficultyPrivacy breachProblem accessing credit reportScam/ fraud/ forgeryUnaware of TPDUnconscionable conductUnfair contractUnjust transactionsUnlicensed motor car traderUnregulated creditUnsolicited salesUnsuitable plan/ productWarehousers/repairers lien