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? You may still have the right to get it back under the National Credit Code. Learn the first steps and check your rights free.
- Vehicle repossession
Can You Get Your Car Back After It’s Been Repossessed?
Yes, in most cases you can get your car back after repossession, right up until it is sold. See how reinstatement works and check your rights free.
- Vehicle repossession
How to Avoid Car Repossession in Australia
Behind on your car loan? Hardship variations, the 30-day default notice and your right to pay before the car is taken. Learn the steps and act this week.
- Phone & internet
Phone or Internet Problem Your Telco Won’t Fix? How to Complain (TIO)
Wrong charges, a service that does not work or a telco ignoring you? Learn your rights under the TCP Code and how to escalate free to the TIO. Start now.
- Energy & utilities
Power Disconnected or Hit With a Huge Back-Bill? Your Energy Rights
Wrongly disconnected, hit with a surprise back-bill or refused a payment plan? Learn your rights and how to complain free to your energy ombudsman today.
- Renting & tenancy (VIC ONLY)
Landlord Won’t Do Repairs or Keeps Your Bond? Renter’s Rights
Repairs ignored, bond claimed unfairly or an invalid rent increase? Learn your rights as a renter and how to take it to your state tribunal. Start free.
- Insurance claim denial
Insurance Claim Declined? How to Dispute It (Australia)
Your insurer declined, delayed or underpaid your claim? You can dispute it free through AFCA. Learn your Insurance Contracts Act rights and start today.
- Hardship & debt collection
Debt Collector Rights in Australia — What They Can and Cannot Do
How often can a debt collector call? The guideline caps contact at 3 a week. Learn your hardship rights, what counts as harassment, and complain free.
- Credit report correction
How to Remove a Default From Your Credit File (Australia)
A default can only be listed if strict conditions were met: 60 days overdue, $150 or more and written notice. Check your listing and ask for removal free.
- Buy now, pay later
Buy Now, Pay Later Debt You Couldn’t Afford? Your New Rights
Since the 2025 reforms, BNPL providers must check affordability and respond to hardship. Learn your rights and how to complain free to AFCA. Start now.
- Faulty car purchase
Bought a Lemon From a Dealer? Your Refund, Replace or Repair Rights
A car from a dealer that keeps failing comes with consumer guarantees under the ACL. Learn when you can demand a refund or replacement and start today.
- Super & TPD claims
Why Is My TPD Claim Taking So Long? How to Push It Forward
A TPD, income protection or death benefit claim through super that is delayed or declined can be challenged free through AFCA. Learn how and start today.
- Strata / Owners Corporation (VIC ONLY)
Owners Corporation or Strata Dispute? Levies, Records and Your Rights
Disputed levies, refused access to records or a mismanaged owners corporation? Learn your rights and how to take it to your state tribunal. Start free.
- Infringement fine review (VIC & NSW ONLY)
Unfair Fine in Victoria? How to Request a Review
A Victorian fine can be reviewed on specific grounds: person unaware, mistaken identity, special circumstances or contrary to law. Learn how to apply.
- Infringement fine review (NSW)
Unfair Fine in NSW? How to Request a Review
A NSW parking, camera, toll or council fine can be reviewed on grounds like person unaware, mistaken identity or special circumstances. Learn how to apply.
- Vehicle repossession
How to Lodge an AFCA Complaint About a Vehicle Repossession
Lodge a free AFCA complaint about a car repossession: what AFCA can order, how lodging pauses the sale, and what to attach. Follow the steps today.