Consumer Contracts Forms

Exercise your right to a refund, repair or replacement under Australian Consumer Law when a product has a major failure...

Complain about a tradesperson or builder who did poor quality work, abandoned the job, or took your money without...

Report an online shopping scam where goods were not delivered or were completely different from what was advertised,...

Exercise your cooling off right to cancel a contract you signed under pressure or without enough time to consider it...

Challenge a contract term that is unfair — one-sided automatic renewals, excessive cancellation fees, terms that let...

Lodge a complaint about faulty goods, services not delivered as promised, or unconscionable business conduct under the...

Cancel a gym membership you no longer want or can no longer afford. Australian Consumer Law gives you specific rights —...

Dispute unfair personal training contract terms, prepaid sessions that were not delivered, or a trainer who disappeared...

Cancel health, meditation, diet, or wellness app subscriptions that are difficult to cancel or continue charging after...

Dispute a rejected or underpaid insurance claim — home, car, health, life, or travel insurance.

Dispute a rejected private health insurance claim, waiting period dispute, or fund membership issue.

Dispute a rejected or underpaid travel insurance claim for cancellation, medical expenses, lost luggage or travel...

Complain about a payday lender who gave you a loan you could not afford, charged excessive fees, or failed to properly...

Dispute charges, fees, or unfair practices from Buy Now Pay Later providers like Afterpay, Zip, Humm, Klarna, or Laybuy.

Report a debt collector who is harassing you, contacting you at unreasonable hours, contacting your family or employer,...

Formally request a hardship variation from your lender if you are struggling to make repayments due to illness, job...

Dispute incorrect information on your credit report — incorrect defaults, debts that are not yours, or listings that...

Complain about your phone or internet provider — billing errors, service failures, contract disputes, or poor customer...

Dispute an energy bill, negotiate a payment plan, or access hardship support from your electricity or gas provider.

Dispute an unusually high water bill, request a leak allowance, or access hardship support from your water provider.

Dispute unwanted charges from streaming services, software subscriptions, or online platforms that are difficult to...

Complain about a real estate agent who misled you, failed to disclose information, charged unauthorised fees, or...

Dispute retirement village fees, exit entitlements, or contract terms — retirement village contracts are complex and...

Dispute unfair finance arranged through a car dealership — inflated interest rates, undisclosed commissions, add-on...

Claim a refund or replacement for a car that has a major defect or has required repeated repairs — your rights under...

Understand your rights if a finance company is threatening to repossess your car, and what you can do to prevent it.