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For a period of 12 months starting 1 July 2019, the Australian Financial Complaints Authority’s (AFCA) jurisdiction will be expanded to allow them to consider previously unheard disputes falling within its terms of reference relating to conduct dating back to 1 January 2008.
A contract is a verbal or written legally binding agreement.
There are laws to protect consumers from unfair terms in standard form contracts. If you think your contract includes unfair terms, get legal advice.
A contract is a legally binding agreement. It can be verbal (ie spoken), but some contracts must be in writing. It’s possible for a contract to be partly written and partly verbal.
For example, contracts to buy or sell a house or land, borrowing money from a lending business, guarantees or door-to-door sales contracts must be in writing.
When making a contract the law says you need to have:
Children under 18 may make a binding contract for the necessities of life if they understand the significance of their decision. They may also make decisions about their own if they understand its significance.
Each legal situation needs to be assessed on its own merits and you should get legal advice to determine whether the person has legal capacity.
There are national laws to protect consumers from unfair terms in standard form consumer contracts.
Standard form contracts are contracts with a business provider where there are limited opportunities for the consumer to negotiate the terms of the contract.
The unfair contract terms laws only apply to standard form consumer contracts made, renewed or varied (changed) on or after 1 July 2010. They don’t apply to insurance contracts.
A contract term is unfair if:
Examples of unfair contract terms include:
You should get legal advice about whether a term of your contract is unfair and if it affects the contract you have entered into.
If the contract is for financial products and services, you can make a complaint to the Australian Securities and Investments Commission (ASIC).
For other contracts, you can make a complaint to the:
The ACCC, OFT and ASIC can negotiate with the business to have the unfair contract terms removed.
If the contract is for financial services, you can make a complaint directly to the financial services provider. If they can’t resolve the complaint, you can contact the Australian Financial Complaints Authority (AFCA). You should get legal advice before starting this process.
If you still can’t resolve your dispute, you may need to apply to the court. Court applications for unfair contract terms can be complex. Get legal advice.
You may need legal advice if you:
We may give legal advice about recovering personal debts. We can’t give advice to businesses, or advice about recovering debts on behalf of a business or company.
The following organisations may be able to give legal advice.
Community legal centres give legal information and advice on a range of topics. Contact them to find out if they can help.
LawRight Self Representation Service (Federal) gives legal advice and help to people involved in civil proceedings in the Federal Circuit Court or Federal Court for matters involving bankruptcy and consumer and competition law. They may also be able to help with drafting documents and correspondence relating to your legal matter. They don’t provide legal representation.
LawRight Self Representation Service (Courts) gives legal advice and help to people involved in civil proceedings before the Brisbane District Court, Brisbane Supreme Court and Queensland Court of Appeal. They may also be able to help with drafting documents and correspondence relating to your legal matter. They don’t provide legal representation.
LawRight Self Representation Service (QCAT) gives free legal advice and help to people at the Queensland Civil and Administrative Tribunal. The service may help with drafting documents and correspondence relating to your legal matter. They don’t provide legal representation
Queensland Law Society can refer you to a specialist private lawyer for advice or representation on personal or business matters.
These organisations may also be able to help. They don’t give legal advice.
The ACCC has information about making a complaint, resolving a consumer problem, consumer guarantees, warranties and refunds, unfair sales methods, and regulations for products and services.
ASIC's MoneySmart website - ASIC may be able to help with disputes about financial products and services.
The MoneySmart website has independent guidance for consumers when making decisions about their personal finances, including information about:
They also offer helpful information about important life events, including:
The Australian Financial Security Authority (AFSA) has information about bankruptcy, including how to go bankrupt, making a person bankrupt, what debts are covered, and consequences of bankruptcy.
Office of Fair Trading (OFT) provides information and help to the public on a wide range of consumer related issues, including:
The Office of the Australian Information Commissioner handles complaints about misusing personal information and inaccurate credit reports.
Queensland Civil and Administrative Tribunal (QCAT) can hear:
You should try and resolve your dispute with the other party before asking the QCAT to hear your dispute.
The following Australian credit reporting agencies can give you a free copy of your credit history:
Energy and Water Ombudsman offers a free service to help resolve disputes with electricity, gas or water suppliers.
Telecommunications Industry Ombudsman (TIO) has a free alternative dispute resolution scheme for unresolved complaints about telephone or internet services.