Financial Rights Legal Centre
Hotline
Call our National Debt Helpline
on 1800 007 007.
Know Your Financial Rights Checklists

Using a Finance/Mortgage Broker

Using a Broker to obtain finance or get a mortgage could end up costing you more than if you had obtained finance yourself!

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Getting a Car Loan

Buying a car on finance is a BIG DECISION. Take your time to work out what you really need and don’t let a pushy salesperson pressure you into making an on-the-spot decision.

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Debt Agreements

A Debt Agreements is not a consolidation loan; it is a form of insolvency! Entering into one is a serious step that cannot be easily undone. Think carefully and get advice from an independent source, not just the person who is trying to sign you up to the agreement!

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Getting a Home Loan

Home Loans are a BIG DECISION. If you need more time to think things over go home and sleep on it! Don’t be pressured into signing any documents today.

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Insurance Interviews

Insurers are always on the lookout for fraud. They won’t usually tell you they suspect you of fraud, just that your claim is being investigated. You have a duty of utmost good faith to reasonably cooperate. Use this checklist to make sure you know your rights and responsibilities when you are being investigated.

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Getting a Personal Loan

Getting a personal loan is a BIG DECISION. Shopping around can save you a lot of money! Compare interest rates, product features, fees and charges. Don’t let a pushy lender convince you to sign if you’re not ready.

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Statement of Claim

A Statement of Claim is an official court document completed by someone who thinks you owe them money. If you receive a Statement of Claim, you need to act quickly! You only have 28 days from the date in which you received it to respond to it, or you risk having the matter decided against you in your absence.

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Paying Your Excess

Many people have questions about paying their car insurance excess after an accident, and Each insurer is different. Some insurers require you to pay an excess no matter who is at fault, others require you to provide specific details and convince the insurer you are not at fault. Use this Checklist to make sure you Know Your Financial Rights!

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