We believe Centrepay is an invaluable service provided by Centrelink for social security recipients. The financial counsellors as well as the solicitors in our Centre agree that Centrepay is an important financial self-management tool for disadvantaged consumers and we strongly support its continued operation. However, there are clearly some serious and systemic reforms that need to take place within Centrepay to ensure that it is a tool that helps customers and does not expose them to practices which undermine their financial resilience rather than support it.