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AussieLedger
9 guides

Consumer rights & complaints

Australian Consumer Law guarantees, refunds versus store credit, chargebacks, and the free ombudsman for every industry.

How to get a refund when a company goes bustAdministration, liquidation and receivership each do something different to your money. How to find the external administrator, lo…17 minverified 2026-08-06
What to do if your flight is cancelled or delayedThere is no European-style fixed payout for a delayed flight in Australia. What you have is a consumer guarantee that the service …16 minverified 2026-08-06
How to check and fix your credit reportYour credit file is free to see, free to correct, and quietly decides whether you get a loan. Here is how to get a report from eac…15 minverified 2026-08-06
How to complain about your bank or insurerAFCA is free, binding on the firm and not binding on you — which changes how a complaint should be framed. This covers the interna…12 minverified 2026-08-05
How to deal with debt collectorsDebt collectors have far less power than their letters imply, and strict limits on contact. Here is how to make them prove the deb…12 minverified 2026-08-05
How to do a chargeback on a card paymentA chargeback reverses a card transaction through the card scheme, not the merchant. It works when the business will not refund, ha…8 minverified 2026-07-30
How to make a complaint that actually worksAustralia has a free ombudsman for almost every industry, and they are effective for one structural reason: they cost the business…7 minverified 2026-07-30
What to do if your insurance claim is deniedA denied claim is a decision, not a verdict. This is the playbook: read the clause the insurer relied on, get the assessor's repor…16 minverified 2026-08-06
Your refund rights under Australian Consumer LawConsumer guarantees are automatic, cannot be signed away, and do not expire with a warranty. This explains the difference between …8 minverified 2026-07-30
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