LINKS

You can request a FREE copy of your credit file within ten (10) working days from Veda Advantage which will give you details of default and other credit information.

Send your request to Veda Advantage Public Access via:

Mail: PO Box 964, North Sydney NSW 2059

Fax: (02) 9278 7333

For further information go to: www.vedaadvantage.com.au

The Australian Financial Security Authority (“AFSA”) is the government agency responsible for the administration and regulation of the personal insolvency system in Australia.

AFSA publish a booklet called Personal Insolvency Information for Debtors. This booklet provides important information on the different types of personal insolvency solutions available.

For further information go to: https://www.afsa.gov.au/ or otherwise contact Debt Crisis Solutions for a free copy of the booklet.

The Consumer Protection Division of the Department of Commerce promotes consumer protection and fair trading in Western Australia by:

• providing information and advice to consumers and traders about their rights and responsibilities;
• helping consumers resolve disputes with traders;
• investigating complaints about unfair trading practices;
• prosecuting unscrupulous traders;
• regulating and licensing some business activities; and
• developing legislation that protects consumers.

You can also find out information on:

• Guidelines on appropriate conduct for debt collectors;
• Privacy obligations;
• Repossession;
• Consumer Credit (Western Australia) Code; and
• National Credit Regulation.

For further information go to: www.commerce.wa.gov.au

Each state or territory in Australia has an equivalent to the Western Australian Department of Commerce. Please enquire if you need the link to your particular state or territory equivalent.

FIDO is the consumer website of the Australian Securities and Investments Commission (“ASIC”).

The ASIC is the consumer protection regulator for financial services. In this role, the ASIC aims to protect investors, superannuants, depositors and insurance policy holders. The ASIC also regulate and enforce laws that promote honesty and fairness in financial products and services, in financial markets, and in Australian companies.

For further information go to: www.fido.gov.au or www.asic.gov.au

To help guide citizens through their rights and responsibilities under Western Australian law, the Department of the Attorney General operates Law Compass. The Law Compass community gateway aims to signpost people’s way through major life events and the legal system.

You can discover details of the legal recovery process to give you knowledge of:

• Dealing with disputes;
• Paying fines;
• Going to court;
• Bailiff action; and
• The likely consequences of your inaction.

For further information go to: www.dotag.wa.gov.au

Each state or territory in Australia has an equivalent to the Western Australian Department of The Attorney General. Please enquire if you need the link to your particular state or territory equivalent.