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, what happens after the sale, and whether you still owe money.
- 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. The National Credit Code gives you a right to reinstate the contract. Here is how it works and how long you have.
- Vehicle repossession
How to Avoid Car Repossession in Australia
Behind on your car loan? There are no loopholes, but there are enforceable rights most people never use — hardship variations, the 30-day default notice, and a hard stop on repossession if you pay in time.
- 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 (VIC ONLY)
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 Declined? How to Dispute It (Australia)
Your insurer declined, delayed or underpaid your claim? A declined claim can be disputed free through AFCA, whose decisions bind the insurer. Learn your rights under the Insurance Contracts Act and how to overturn a denial.
- Hardship & debt collection
Debt Collector Rights in Australia — What They Can and Cannot Do
How often can a debt collector contact you, and at what hours? The rules cap contact at 3 times a week and 8am–9pm weekdays. Learn your hardship rights, what counts as harassment, and how to complain free.
- Credit report correction
How to Remove a Default From Your Credit File (Australia)
How to remove a default from your credit file for free. A default can only be listed if strict conditions were met — 60 days overdue, at least $150, and a written notice 14 days beforehand. Check yours and request removal.
- 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
Why Is My TPD Claim Taking So Long? How to Push It Forward
Wondering why your TPD claim is taking so long? A TPD, income protection or death benefit claim through super that is delayed or declined without reasons can be challenged free through AFCA. Here is how.
- Strata / Owners Corporation (VIC ONLY)
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 (VIC & NSW ONLY)
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.