Guides
Plain-language explanations of your rights under Australian consumer law — written to be accurate, practical, and free.
- Vehicle repossession
My Car Was Repossessed — What To Do Right Now (Australia)
Your car was repossessed in Australia? You may still have the right to get it back. Learn your National Credit Code rights, the steps to take in the first 48 hours, and how to stop the sale — free guide.
- Vehicle repossession
Can a Car Repossession Be Stopped Once It Has Started?
"The repossession cannot be stopped once it has started" — lenders say it, but the National Credit Code says otherwise. Learn your right to pay arrears and halt or reverse a vehicle repossession in Australia.
- Phone & internet
Phone or Internet Problem Your Telco Won’t Fix? How to Complain (TIO)
Wrong charges, an internet service that doesn’t work, or a telco ignoring your complaint? Learn your rights under the Telecommunications Consumer Protections Code and how to escalate free to the TIO.
- Energy & utilities
Power Disconnected or Hit With a Huge Back-Bill? Your Energy Rights
Wrongly disconnected, sent a surprise back-bill, or refused a payment plan by your energy retailer? Learn your rights and how to complain free to your state energy ombudsman (EWOV, EWON).
- Renting & tenancy
Landlord Won’t Do Repairs or Keeps Your Bond? Renter’s Rights
Repairs ignored, bond claimed unfairly, or an invalid rent increase or notice to vacate? Learn your rights as a renter and how to take it to your state tribunal (e.g. VCAT).
- Insurance claim denial
Insurance Claim Denied, Delayed or Underpaid? How to Challenge It
Your insurer denied, delayed or underpaid your home or car claim? Learn your rights under the Insurance Contracts Act and the General Insurance Code, and how to complain free to AFCA.
- Hardship & debt collection
Can’t Afford Your Repayments or Being Hassled by a Debt Collector?
Behind on a loan, or a debt collector crossing the line? Learn your hardship rights under the National Credit Code (a lender must respond within 21 days) and how to complain free to AFCA.
- Credit report correction
Wrong Default on Your Credit Report? How to Get It Removed
A default listing on your credit file can only be made if strict conditions were met — the right notices, 60+ days overdue, and at least $150. Learn how to get a wrong listing corrected or removed.
- Buy now, pay later
Buy Now, Pay Later Debt You Couldn’t Afford? Your New Rights
Since the 2025 reforms, buy now, pay later providers must check affordability, respond to hardship, and follow credit-listing rules. Learn your rights and how to complain free to AFCA.
- Faulty car purchase
Bought a Lemon From a Dealer? Your Refund, Replace or Repair Rights
A car bought from a dealer that keeps failing comes with consumer guarantees under the Australian Consumer Law. Learn when you can demand a refund or replacement, and how to take it to your state tribunal.
- Super & TPD claims
TPD or Super Claim Stalled or Denied? How to Push It Forward
A TPD, income protection or death benefit claim through super that is delayed or denied without reasons can be challenged. Learn your rights and how to complain free to AFCA.
- Strata / Owners Corporation
Owners Corporation or Strata Dispute? Levies, Records and Your Rights
Disputed levies, refused access to records, or mismanagement by an owners corporation or strata manager? Learn your rights and how to take it to your state body or tribunal (e.g. VCAT).
- Infringement fine — review
Unfair Fine in Victoria? How to Request a Review
A Victorian infringement fine can be reviewed on specific grounds — person unaware, mistaken identity, special circumstances, or contrary to law. Learn the grounds, the stages, and how to apply.
- Infringement fine — review (NSW)
Unfair Fine in NSW? How to Request a Review
A NSW fine — parking, speed camera, toll, council — can be reviewed on grounds including person unaware, mistake of identity, nomination of the driver, and special circumstances. Learn the grounds and the path.
- Vehicle repossession
How to Lodge an AFCA Complaint About a Vehicle Repossession
Step-by-step guide to lodging a free AFCA complaint about a vehicle repossession in Australia: what AFCA can order, how lodgement pauses the sale of your car, what evidence to attach, and how to answer the form questions.
- Poor service & provider conduct
Tradie Did a Bad Job? Your Rights Under Australian Consumer Law
Botched work, endless delays, or a job left unfinished? Under the Australian Consumer Law, services must be done with due care and skill and within a reasonable time. Learn what you can demand — fix, refund, or compensation — free guide.
- Poor service & provider conduct
Service Provider Rude, Aggressive or Pressuring You? What You Can Do
A tradesperson or service provider yelling, intimidating, or pressuring you over work or payment? Australian Consumer Law prohibits harassment and coercion. Learn where the line is, how to document it, and how to complain — free guide.