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Helpful links

ASIC MoneySmart

Online financial guidance including tips on:

  • managing your money
  • borrowing and credit
  • insurance
  • superannuation and retirement
  • investing
  • scams and more

ASIC MoneySmart website

National Debt Helpline

Financial counsellors provide information, support and advocacy to people in financial difficulty. Their services are free, independent and confidential.

Tel: 1800 007 007 
(9:30am - 4:30pm Monday to Friday)

Community Legal Centres

Community legal centres are independent, not-for-profit community organisations that provide legal and related services to the public, focusing on the disadvantaged and people with special needs.

To find your nearest community legal centre, visit: naclc.org.au/directory

Calculators and apps

MoneySmart offers financial calculators and tools including:

  • budgeting and saving calculators
  • mortgage calculators
  • loans, credit and debt calculators
  • investment calculators
  • mobile calculator

ASIC MoneySmart website

Regulatory bodies

Australian Securities and Investments Commission (ASIC)
For inquiries and complaints relating to consumer protection matters in securities, futures, life insurance, general insurance, deposit-taking activities and the supervision of superannuation funds.
Tel: 1300 300 630

Australian Consumer and Competition Commission (ACCC)
The Australian Competition and Consumer Commission (ACCC) is an independent Commonwealth statutory authority whose role is to enforce the Competition and Consumer Act 2010 and a range of additional legislation, promoting competition, fair trading and regulating national infrastructure for the benefit of all Australians
Tel: 1300 302 502

Insurance Law Service

Free legal service available to anyone in Australia who would like advice on insurance law or in resolving a dispute with an insurer. Advice, information and referral about:

  • home and contents insurance
  • consumer credit insurance
  • income protection insurance
  • life insurance
  • travel insurance
  • motor vehicle insurance

Insurance Law Service website
Tel: 1300 663 464

Consumer Credit Legal Centres

Community legal centres that provide specialised legal advice, advocacy and counselling in financial services, particularly consumer credit, banking and debt recovery.

ACT - Consumer Law Centre
Tel: (02) 6257 1788

NSW - Financial Rights Legal Centre
Tel: 1800 007 007

QLD - Caxton Legal Centre
Tel: (07) 3214 6333

SA - Consumer Credit Law Centre
Tel: (08) 8342 1800

TAS - Consumer Credit Hotline
Tel: 1800 232 500

VIC - Consumer Action Law Centre
Tel: 1800 466 477

WA - Consumer Credit Legal Service
Tel: (08) 9221 7066

Legal Aid Commissions

Legal Aid commissions provide services to disadvantaged clients in many areas of criminal, family and civil law, including free, confidential face-to-face legal advice and legal representation for eligible clients.

ACT - Legal Aid ACT
Tel: 1300 654 314

NSW - Legal Aid NSW
Tel: 1300 888 529

NT - NT Legal Aid Commission
Tel: 1800 019 343

QLD - Legal Aid Queensland
Tel: 1300 65 11 88

SA - Legal Services Commission SA
Tel: 1300 366 424

TAS - Legal Aid Commission of Tasmania
Tel: 1300 366 611

VIC - Victoria Legal Aid
Tel: 1300 792 387

WA - Legal Aid Western Australia
Tel: 1300 650 579

Other ombudsman schemes

If you have a complaint that doesn’t relate to a member of FOS, one of the following national or state-based dispute resolution schemes may be able to help:

Credit and Investments Ombudsman (CIO): 1800 138 422

Superannuation Complaints Tribunal (SCT): 1300 884 114 

Energy & Water Ombudsmen
NSW: 1800 246 545 website
QLD: 1800 662 837 website
SA: 1800 665 565 website
TAS: 1800 001 170 website (energy) website (water)
VIC: 1800 500 509 website
WA: 1800 754 004 website

Fair Work Ombudsman (Fair Work):
1300 856 110

Telecommunications Industry Ombudsman (TIO): 1800 062 058

For complaints about Government agencies:
Commonwealth Ombudsman (includes private health insurance)

State Ombudsmen: VIC, NSW, ACT, QLD, NT, WA, SA, TAS