Contacts

Managing your money

What is a financial counsellor?
National financial counselling services State-wide financial counselling services Melbourne financial counselling services Country financial counselling services

Introduction
How is your income tax liability determined?
Taxpayer’s responsibilities and your tax file number
Tax returns
Assessment of your tax return
Queries: Private rulings and oral rulings
Penalties, interest charges and offences relating to tax returns
Objections, reviews and appeals
Paying your tax
Fringe Benefits Tax
Goods and Services Tax
State duties and taxes
Contacts

Superannuation schemes
Regulation of funds
Superannuation benefits
Superannuation benefit disputes
Reviewing a trustee’s decision
Reviewing an insurer’s decision
Contacts

Introduction and key legislation
National credit law reform
What is a credit contract?
Before you enter a credit contract
Disclosure before entering a contract
What information should be in a credit contract?
Contacts

Mortgages
Guarantees
Varying, re-opening and terminating credit contracts
Consumer leases
Payday loans
Credit-related insurance
Tied credit contracts
Vendor terms and rent-to- buy arrangements
Pawnbrokers
Finance brokers
Contacts

Introduction
Credit report regulation
Who can add information to a credit report?
What information is in a credit report?
Misuse of information in credit reports
Identity theft and credit reporting
Correcting credit reports and complaints
Getting a copy of your credit report
How information on a credit report is used
Contacts

Unauthorised transactions and credit disputes
Credit and finance industry codes of conduct
Solving disputes with creditors
Where to get help
Contacts

Australian Financial Complaints Authority (AFCA)
Tel: 1800 931 678
Email: info@afca.org.au
Web: www.afca.org.au

Australian Securities and Investments Commission
(ASIC)
Level 7, 120 Collins Street, Melbourne Vic 3000
Tel: 1300 300 630
Web: www.asic.gov.au

Consumer Action Law Centre (CALC)
Tel (consumer legal advice line): 1800 466 477 (Tuesday,
Wednesday, Thursday, 10am to 1pm)
Web: consumeraction.org.au

About

Understanding credit and finance

Managing your money

Dealing with social security

Are you in debt?

Understanding bankruptcy

Financial counselling services

Taxation

Superannuation

Understanding credit and finance

Mortgages, consumer leases and other finance products

Credit reporting

Unauthorised transactions and ePayments Code

Contacts

Contacts

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