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Legal Aid Queensland
Phone 1300 65 11 88 (for the cost of a local call from a landline in Australia)
Community Legal Centres Queensland
Phone 07 3392 0092
Or look under “Community Legal Centres” in your local phone book.
Lifeline Financial First Aid
National Debt Helpline
Phone 1800 007 007
If you need an interpreter to help you contact a service phone TIS 131 450
Title: Buying a car
Maryam: Hey Tom, I’m getting a car this weekend! I crashed my old car a few weeks ago.
Tom: Oh no! Are you OK?
Maryam: Yes, I’m fine. But the car isn’t.
Tom: Hope you find something!
Maryam: I really like that car!
Dealer: Well this car’s a bargain. Best car I’ve had in the yard for months. It’s worth $10,000.
Maryam: But it costs too much!
Dealer: Hey, I like your face - you can have it for eight and a half.
Maryam: I don’t have that much money.
Dealer: No problem. Come into the office and let’s see what we can do.
Maryam: Umm, I think I need some more time...
Dealer: Trust me, that car will be gone in an hour...you’re getting it for a great price.
Maryam: I really like that car. Nothing can go wrong. I’ll sign it.
Dealer: Just sign here on the dotted line – it’s easy.
Friend: Very nice...How much was it?
Maryam: Only $8,500.
Friend: Yes, but look here. The interest is 18%.
Maryam: What does that mean?
Friend: You’ll have to pay $4,400 in interest!
Friend: That means you will pay $12,900, NOT $8,500. That’s $215 every month for 5 years!
Maryam: I have to pay rent and food! Ohhh, I don’t know if I can pay it! Hmmm…
Friend: So what will you do?
Maryam: Oh it’ll be OK. At least I have a good car. Get in, I’ll take you for a drive!
Maryam: The gears don’t work.
Dealer: Sorry. The warranty has expired so I don’t have to fix it.
Maryam: I’m not going to keep paying for a broken car. I got this letter from the bank.
Friend: What does it say?
Maryam: Well, I missed two payments on the car, and now I have to pay the whole amount I owe within 28 days.
Friend: They’re thieves!
Maryam: I can’t pay it, I don’t have enough money!
Friend: Ooh that car is trouble.
Maryam: I’ll read them later.
Company rep: You have to pay the loan.
Maryam: But the car is broken. I can’t drive it!
Company rep: You have a loan contract with us - you have to keep paying.
Maryam: Hey, that’s my car, what are you doing?
Truck Driver: We have to take the car - you haven’t paid the loan.
Repossession notice: Pay total amount of $11,300 plus fees within 21 days or car will be sold at auction.
Maryam: They take my car and I still have to pay the loan! This is crazy!! Maybe I should call a lawyer to find out what I can do.
Lawyer: Did you read the contract?
Maryam: Umm, no.
Lawyer: Well, because you signed the contract it’s not easy to get out of it.
Maryam: I see that now! I haven’t got a car, I haven’t got any money and they still want me to pay. What can I do?
Lawyer: You should see a financial counsellor. They can talk to you about your options.
Maryam: These are all the papers.
Financial Counsellor: Thanks. Now I can help you work out what to do next...
Last updated 18 June 2020