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Helpful information and guidance links

MoneySmart www.moneysmart.gov.au

The MoneySmart website is run by the Australian Securities and Investments Commission (ASIC) to help people make smart choices about their personal finances.  This website also accesses the unclaimed money service where you can search records of unclaimed money from bank accounts, company shares and life policies and see how to lodge a claim.

SCAMwatch www.scamwatch.gov.au

The SCAMwatch website provides information to help you recognise, report and protect yourself from scams.  SCAMwatch website is owned and maintained by the Australian Competition and Consumer Commission and is also the campaign portal for the Australasian Consumer Fraud Taskforce.

Credit Smart www.creditsmart.org.au

Australia is moving towards a comprehensive credit reporting system which means that the personal credit card and loan payments you do make can be reported by your lender as well as those you don’t make. For further information, please see the Credit Smart website: creditsmart.org.au.

InfoChoice www.infochoice.com.au

InfoChoice is a finance comparison site and provides detailed product comparison data for Home Loans, Savings & Term Deposits, Personal Loans (including Car Loans), Credit Cards, Transaction Accounts, Business Banking products, Investment products (including Online Broking) and Traveller Cheques.

CANSTAR www.canstar.com.au

Canstar allows you to compare interest rates and star ratings for some of the best value Australian home loans, credit cards, credit card rewards, savings accounts, term deposits, car insurance, home and contents insurance and health insurance.

Mozo mozo.com.au

Mozo.com.au is an online finance comparison and reviews service, launched in October 2008 to help Australians navigate the money maze. Mozo (short for Money Zone) is the first service to combine financial product comparison tools with customer ratings and reviews, allowing Australians to compare banking products and providers on everything from interest rates to customer service.

CHOICE www.choice.com.au

CHOICE is Australia’s largest independent consumer organisation.

Code Compliance Committee (COBCOP) www.cobccc.org.au

The Code Compliance Committee ensures that credit unions, mutual building societies and mutual banks that have adopted the Customer Owned Banking Code of Practice meet the standards of good practice set out in the Code. The CCC investigates complaints that the Code has been breached and monitors compliance with the Code.

Code of Operation: Recovery of debts from Human Services income support payments or DVA payments

COBA is a co-signatory to the revised Code of Operations, released in June 2015 by the Department of Human Services and the Department of Veterans’ Affairs. The revised Code outlines the debt recovery arrangements specific to overdrawn accounts for recipients of government payments. The Code prescribes that no more than 10 per cent of an income support or DVA payment should be applied to the recovery of the debt. The aim of the Code is to ensure that recipients of income support payments have sufficient income to maintain adequate living standards. For more information visit humanservices.gov.au/overdrawn

Veda Advantage www.mycreditfile.com.au

To access information about your credit file, contact Veda Advantage.

Financial Rights Legal Centre (NSW) www.financialrights.org.au

Financial Rights Legal Centre (NSW) Inc. is a community legal centre specialising in financial services, particularly matters and policy issues related to consumer credit, banking, debt recovery and insurance. It is the only such Centre in NSW, and it has a particular focus on issues that affect low income and disadvantaged consumers.

Consumer Action Legal Centre www.consumeraction.org.au

Consumer Action is Melbourne based and provides free legal advice and representation to vulnerable and disadvantaged consumers across Victoria, and is the largest specialist consumer legal practice in Australia. Consumer Action is dedicated to advancing the interests of low-income and vulnerable consumers, and of consumers as a whole.

Consumer Law Centre (ACT) www.carefcs.org/financial-counselling-service

The Consumer Law Centre of the ACT is a free, independent, community legal centre funded by the ACT Government.  It aims to provide legal assistance and advice to low to moderate income consumers, primarily in the areas of consumer credit, telecommunications and utilities, as well as general fair trading and consumer protection.

NSW Financial Counsellors Association http://www.fcan.com.au/
Financial Counselling Association of Queensland www.fcaq.com.au/
Financial Ombudsman Service (FOS) www.fos.org.au
Credit and Investments Ombudsman (CIO) www.cio.org.au
Financial Planning Association of Australia (FPA) http://www.fpa.asn.au/

The FPA is the leading professional body for the financial planning profession, and represents approximately 12,000 individuals and businesses.

Lifewise www.lifewise.org.au

The Lifewise campaign is coordinated by the Financial Services Council and aims to raise the profile of under-insurance.

Real Estate Institute of Australia www.reia.asn.au

For more information on real estate practices and procedures, contact the Real Estate Institute of Australia or the Real Estate Institute in your State or Territory.


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