Financial Hardship
Getting a loan
- What should I do before I borrow money?
- There are black marks on my Credit Report – Should I hire a Credit Repair Company?
- Pay Day Lending
- Pawnbroking
- Your Credit Report
- Refinancing
- Does the National Credit Act apply?
- Line of credit loans and home loans with redraw
- Going Guarantor
- Getting A Loan With Someone Else
- I’m thinking of using a Finance/Mortgage Broker – what do I need to know?
- Buy now, pay later services (including Afterpay, Certegy, zipMoney, zipPay, Openpay)
Problems with your loan
- Repossession (Car And Goods)
- Family Breakdown And Debt
- Dispute Resolution (Financial)
- How do I get copies of my loan documents?
- Consumer Credit Insurance – Making A Claim
Financial Counselling
- I’m finding it hard to manage my finances – should I sign up with a Personal Budgeting Service?
- Accessing Your Superannuation Early
- Drowning In Credit Card Debt
- I Can’t Pay My Phone Debt
- I Can’t Pay My Electricty Debt
Banking
- Unauthorised Transactions
- Direct Debits From Credit Cards
- Direct Debits From Cheque And Savings Accounts
- Chargebacks
Debt collection
- I’m in debt – Should I sign up with a Debt Negotiation Firm?
- Debtor Harassment
- Dealing With Debt Collection
- Taking a toll – what do I do about Unpaid Tolls?
The Local Court
- The Sheriff And Seizure Of Goods
- Making An Application to Set Aside Judgment
- Recovery Of Old Debts
- Making An Application To Pay By Instalments
- Filing A Defence
- Debt Recovery in the Local Court
- Debt Enforcement in the Local Court
Bankruptcy
Insurance Factsheets
(These links will direct you to one of our insurancelaw.org.au or mva.financialrights.org.au websites.)
- Why do I have to pay my excess? Or multiple excesses?
- Pet peeves – Pet insurance and you
- If a tree falls…
- Storm Insurance
- Dispute Resolution (Insurance)
- Buying Car Insurance
- Flood Premiums
- How To Use Your PDS
- Rental Cars And Insurance
- Problem With The Quality Of Repairs (Arranged By The Insurer)
- What Can I Do If My Insurer Agrees To Pay Some, But Not All Of My Claim?
- Frequently Asked Insurance Questions
- What Can I Do If My Home And/Or Contents Insurance Claim Is Refused
- R.I.P. Off! Why you don’t need Funeral Insurance
- Funeral Insurance_Brochure
- What Can I Do If I Am Investigated On A General Insurance Claim?
- General Insurance Interview Checklist
- Flood Insurance Guide
- Help! My Insurance Claim Is Taking Forever!
- Making A Claim On My Home And/Or Contents Insurance
- Making A Claim On Your Car Insurance
- What Can I Do If My Car Insurance Claim Is Refused?
- I’ve Had A Car Accident And I’m Uninsured
- Bushfire Insurance Guide
- My Car has been Written Off by My Insurer – What Deductions Can My Insurer Take?
- Title Insurance
- Your Vehicle has been Written Off
