consumer rights
consumer rights fact sheet
Consumer rights are often not identified by the person they affect - the consumer!
The Office of Fair Trading, Australian Securities and Investment Commission and Legal Aid Queensland have very useful information available to help you identify and protect yourself across a range of topics such as:
- scams (ASIC web site)
- scams (Office of Fair Trading)
- unjust contracts (Legal Aid Queensland web site)
As a consumer you have some basic rights when you buy goods and services. If you are not happy with goods or services you have purchased, you are able to complain.
The following links provide legal information specific to particular situations:
- buying goods and services
- electricity and gas accounts
- superannuation and insurance
- buying a car
- car accidents
- financial products or services
- mobile phone contracts
- building a house
- trader's rights
The complaint line has a more complete list of links if you wish to make a complaint.
understanding consumer credit issues
If you are unsure about whom you owe money then a credit report is essential.
What does my credit file mean?
Information is collected on certain financial actions that are made or have been made in the last 5 years.
Please note that bankruptcy information is held on your credit file for a period of seven (7) years.
Personal information, loan applications and default information is contained in your credit report.
Common reasons for listing information on the credit report include:
- the person is at least 60 days overdue in making a payment to the lender
- there are court judgments including bankruptcy orders
- a serious credit infringement has occurred, such as credit fraud
Access to your credit report is free and can take a couple of weeks, if you require it urgently, there may be a cost incurred.
Please note that if you provide those details to Veda Advantage, an outstanding creditor may access your file at some point and find your current contact details.
