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Have you ever wanted to stop telemarketing calls?

Article from: Consumer and debt

There is something you can do about all those phone calls wanting to sell you things.  The Do Not Call Register, run by the Australian Communications and Media Authority , allows you to greatly reduce the number of telemarketing calls you receive. So, if you are being disturbed by telemarketing calls, you can take action … Read More »

How to avoid telephone scams

Article from: Consumer and debt

Most of us know the usual email scams, but the Australian Competition and Consumer Commission is reporting an increase in telephone and SMS scams, with over 43,000 telephone scams reported in Australia in 2011. The Australian Securities and Investment Commission is warning of a carbon tax compensation scam, where you receive an unsolicited phone call … Read More »

What legal options are there to deal with financial hardship?

Article from: Consumer and debt

The rise in cost of living is constantly in the news, and this week there are reports that more people have fallen behind on their mortgages.  Many people still aren’t aware that the law provides options for people facing financial hardship and having trouble paying mortgages, loans and bills for essentials like electricity and telephone. … Read More »

What is an unfair contract?

Article from: Consumer and debt

The Australian Consumer law introduced protection against unfair contracts from January 2011.  But this is an area of law that many people still haven’t heard about. The law applies only to: Consumer contracts That are in standard form. A contract term is unfair if it: Causes a significant imbalance in the rights of the consumer … Read More »

What is a letter of demand and when should I use one?

Article from: Consumer and debt

A letter of demand is simply a letter that sets out what you want someone else to do with a time limit, and with a consequence for what will happen if the other person doesn’t do what you want them to within the time limit. A good letter of demand is clear, concise and matter-of-fact. … Read More »