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...

Telcos

Australian Consumer Law (ACL)

Australian Consumer Law (ACL) is the national law for fair trading and consumer protection...

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...