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Helpful links

ASIC MoneySmart

Online financial guidance including tips on:

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.

National Debt Helpline website
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:

Aboriginal Advice Service

Part of the Financial Rights Legal Centre, the 'Mob Strong, Debt Help' service is a free legal advice service about money matters for Aboriginal and Torres Strait Islander people from anywhere in Australia.

Mob Strong, Debt Help website
Tel: 1800 808 488
(9:30am - 4:30pm Monday to Friday)

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 ACCC promotes competition and fair trading and regulates national infrastructure to make markets work for everyone.
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 & Investments Ombudsman (CIO): 1800 138 422

Superannuation Complaints Tribunal (SCT): 1300 884 114 

Australian Small Business and Family Enterprise Ombudsman (ASBFEO): 1300 650 460

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):
13 13 94

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