Back to top

Consumer credit, debt and insurance

Community Legal Centres Queensland believes that there is a need for transparency in dealings with consumers in the areas of credit and insurance in order that they are not put at risk of falling into debt or lacking appropriate cover. 

Community Legal Centres Queensland supports the Competition and Consumer Act 2010 (Commonwealth) and the Fair Trading Act 1989 (Queensland) to the extent that these acts support consumer rights in dealings with credit, debt and insurance. 

Community Legal Centres Queensland advocates 

  • measures that will reduce exploitative or irresponsible practices on the part of lenders and insurers;
  • a robust system to monitor industry compliance;
  • Mechanisms to support consumers to obtain a just outcome where they have been dealt with unfairly.
Downloads:

Retailer price variations in market retail contracts

PDF icon Retailer price variations in market retail contracts
In this submission, Community Legal Centres Queensland suggests that electricity prices should be fixed for the length of a contract so that Australians can shop around with confidence, so they can easily compare products, and so they have certainty about what they will pay for their electricity from one bill to the next.

Joint consumer submission to Independent Review of Financial Ombudsman Service

PDF icon Joint consumer submission to Independent Review of Financial Ombudsman Service
Community Legal Centres Queensland was one of 12 organisations that contributed to a consumer submission to the independent review of the Financial Ombudsman Service, coordinated and written by Consumer Action and Consumer Credit Legal Centre (NSW) and supported by funding from the Financial Ombudsman Service.

Cost Recovery Impact Statement: Personal Insolvency and Trustee Services

PDF icon Cost Recovery Impact Statement: Personal Insolvency and Trustee Services
In this submission to the Australian Financial Security Authority, Community Legal Centres Queensland objects to the imposition of the proposed fee of $120 for the lodgement of a debtor’s petition under the Bankruptcy Act, and discusses the impact on the poor and vulnerable individuals who seek to enter bankruptcy.

Registration of hail damaged cars

PDF icon Registration of hail damaged cars
Community Legal Centres Queensland wrote to the Minister for Transport to suggest government review regulations relating to the registration of hail damaged cars written off by insurance assessors, to reduce red tape and further stress on Queenslanders affected by recent storms.

The top 10 things your client needs to know about credit and debt

Legal Aid held a free webinar on 'The top 10 things your client needs to know about credit and debt' for community workers, in March 2016.  > more

Joint Consumer Representative Submission to the independent review of the Code of Banking Practice

Community Legal Centres Queensland was one of 18 consumer representative organisations that endorsed a Joint Submission to the Australian Bankers’ Association Inc Independent Review of the Code of... > more

ASIC's Simple Money Manager

The Simple Money Manager is a free online budgeting resource designed to help culturally and linguistically diverse (CALD) Australians with everyday budgeting to take control of their finances. ASIC... > more

Small Amount Loans and Payday Lending webinar

In this Legal Aid Queensland webinar, Paul Holmes, Senior lawyer, Civil Justice Services discusses small amount loans and payday lending.  This includes: Types of loans that are regulated Responsible... > more

QCOSS Report - Senate Inquiry into Centrelink automated debt

Commonwealth Ombudsman's report on Centrelink debt recovery program to the policy area Robodebt program must be evaluated before expansion: Commonwealth Ombudsman COSS Network reiterates its call for... > more

Waiver of Transcript Fees due to Financial Hardship

Many clients represented by Community Legal Centres experience financial hardship which precludes them obtaining transcripts of Court events where they were a party to a proceeding, or victim in... > more

The Cashless Debit Card evaluation: does it really prove success?

This Topical Issues paper asks whether the the Cashless Debit Card trial is achieving its stated objectives. Social policy analyst Eva Cox has highlighted many of the problems with the survey design... > more