Advice

Payday Loans

Payday loans are small amounts of money loaned to borrowers at very high rates...

Internet Banking Transactions

Internet banking is a fast and convenient way of paying bills or transferring money from one account to another using your computer or mobile phone...

Financial Counsellors

Financial counselling is a free service offered by community organisations and some government agencies which aim to help you solve your money problems...

Consumer leases

A consumer lease lets you hire an item (for example, a refrigerator or a computer) for a period of time...

Credit Files

You will have a credit information file if you have applied for or obtained credit in the past...

Debt Collectors

If you have an outstanding debt with a credit provider, you may be contacted by a debt collector...

Repossessions

When you borrow money to buy goods, the lender will often take out a ‘security’ over those goods...

Motor Vehicles

Before purchasing a vehicle, we recommend that you check the Personal Property Security Register...

Credit Cards

Even if you are just one day late in making a repayment on your credit card debt, you are in default...

Home Loans

If you are behind on a home loan repayment, it is important to act quickly and not ignore the situation...

Hardship Variation

If you are experiencing financial hardship, you can make a request to your creditor to vary the repayments due under your credit contract with them...