When you have a problem with a product or service

The first place to contact is the business itself. The owner, manager, or customer service contact is often able to fix the problem quickly. And if the owner seems reluctant, use your great negotiation skills or your best academy award performance to get the repair or replacement that you need. In the long run, this will save a lot of time.

State and territory consumer protection agency

Your local state & territory consumer protection agency (sometimes called ‘consumer affairs’ or ‘fair trading’) can provide you with information about your rights and options. They may also be able to help negotiate a resolution between you and the seller.

• ACT Fair Trading – Access Canberra 
• NSW Fair Trading
• NT Consumer Affairs
• Office of Fair Trading Queensland
• SA Office of Consumer and Business Services (CBS)
• Tasmanian Consumer Affairs & Fair Trading
• Consumer Affairs Victoria (CAV)
• WA Department of Commerce

Industry ombudsmen and dispute resolution

Some industries have Ombudsmen or commissions that can help you. An Ombudsman is an independent person who can investigate and resolve disputes you might have with government organisations or industries like for example, airlines. Ombudsman and commission services are free. You see all those taxes you pay do go somewhere constructive. Here’s a contact list of the most well known ones:

Airlines (When you’re having no luck with Jetstar, Virgin, QANTAS, or Tiger
However, remember you must have a genuine complaint that didn’t result from your own poor judgement or planning.

Airline customer advocate

Banking and Insurance
Our banking industry has become much more accountable since the 2018 Royal Commission but remember, the same accountability should be applied to users of banking services.
Make sure your complaint is legitimate, and has not resulted from your own mistakes or financial misjudgements. Banks can’t simply be cash cows for endless compensation claims from customers who haven’t been financially prudent.

Financial Ombudsman Service

Credit and Investments Ombudsman

Building

The VBA (Victoria only)

Queensland Building and Construction Commission

Complaintline (National)

Disability

ACT – ACT Human Rights Commission

NSW – Ombudsman New South Wales

NT – Health and Community Services Complaints Commission

SA – Health and Community Services Complaints Commissioner

TAS – Health Complaints Commissioner Tasmania

VIC – Disability Services Commissioner

WA – Health and Disability Services Complaints Office

Energy, Gas and Water

State and territory energy ombudsmen

Small Business

Australian Small Business Commissioner

ASBFEO Dispute Support  (Aust. wide for small business and family enterprises)

Office of the NSW Small Business Commissioner

Office of the South Australian Small Business Commissioner

Office of the Victorian Small Business Commissioner

Western Australian Small Business Commissioner

Issues related to privacy

Office of the Australian Information Commissioner

Telecommunications (For complaints about telephone and internet services)

Telecommunications ombudsman

The ACCC

Australian Consumer and Competition Commission  provides information about your consumer rights and obligations, and possible courses of action you might take. You can also let them know about dodgy products. However, please note that they don’t resolve individual complaints.

State and territory small claims tribunals

You may be entitled to take your complaint to your local state & territory small claims tribunal. Your local tribunal can advise you on their dispute resolution processes and how to lodge a claim.

Legal advice

Consider getting independent legal advice about what options are available and suit your circumstances.

Community Legal Centres have free legal services, but please remember that they are targeted at people who are on low incomes, disadvantaged or have special needs.

Tenancy Advice and help
Click HERE for state by state contacts.

So what are your basic rights?

The Australian Consumer Law is the main law that exists to protect consumers like yourself and define what rights you have under the law. For example, when you buy products they come with automatic guarantees that they will work, look acceptable and do everything that the average consumer would expect them to do.

It’s the same when you hire or contract someone to provide you with a service. Whether it’s a carpenter or a caterer, you have a guarantee that the service they deliver will provide you with what you requested.
It must look acceptable, be safe, and have no faults.

Businesses must guarantee products and services they sell, hire or lease for:

• Under $40 000
• Over $40 000 if the item or service is bought for personal or domestic (household) use.

Free Repair

Having a guarantee like this under the law puts you in a strong position to assert your rights to have a free repair to make things right. Where you only have a minor problem with a product or service, the business normally can choose to give you a free repair instead of a replacement or refund. Give them an opportunity to do this before you demand a refund.

If the business fails to give you a free repair within a reasonable time, or cannot fix your problem, you can:

• get it done somewhere else and pass on the costs to the business at fault (and keep those receipts!)
• ask for a replacement
• ask for a refund
• recover compensation for the drop in value below the price paid.

When you have a major problem with a product, you have the right to choose between a replacement and a refund. For a major problem with a service, you can choose to receive compensation for any drop in value below the price paid, or a refund.

And retailers can’t refuse to help you or send you on a wild goose chase by directing you to the manufacturer or importer to sort things out. The retailer must take responsibility! Many consumers find it easier to firstly write to a retailer when they have more than a minor complaint. Here’s a great template for a complaint letter if you’re not a great writer.

Businesses also break the law when they tell you that they do not give refunds under any circumstances. That’s rubbish because it doesn’t matter whether it’s a gift card you bought or even if what you purchased was on sale, you still get a guarantee and the rights mentioned above of repair, replacement or refund. If you see a sign saying “No Refunds”, this is also not true under the consumer law.

Your rights for any consumer guarantee do not have a actual expiry date, but it’s best to be prompt and make your concern know to the retailer or service provider as soon as things don’t look right.

What is a warranty?

Occasionally you might even be given something called a warranty, which is simply a voluntary promise offered by the person or business who sold the product or service to you. These warranties or promises, whether verbal or in writing, normally are about the quality or standard of what you’ve bought. For example, the retailer may say or give you a document that states (or warrantees) your new toaster will work well for 5 years or that the store will have parts and service if something goes wrong in that time.

The Australian Consumer Law requires manufacturers and suppliers to stick to any warranties that they give. If the supplier or manufacturer fails to follow through you will still have rights against them under the Australian Consumer Law. So if you get given a warranty that’s all hot air and no action, your guarantee is still valid under the law.

What exactly is acceptable?

Products must be of acceptable quality, that is:

• safe, lasting, with no faults
• look acceptable
• do all the things someone would normally expect them to do.

Acceptable quality takes into account what would normally be expected for the type of product and cost. So a brand name vacuum cleaner is going to have a higher level of acceptable quality than something from the $2 store.

Products must also:

• match descriptions made by the salesperson, on packaging and labels, and in promotions or advertising
• match any demonstration model or sample you asked for
• be fit for the purpose the business told you it would be fit for (for example, if someone sells you outdoor furniture and it quickly falls to bits in the weather…it clearly isn’t of acceptable quality)
• come with full title and ownership
• not carry any hidden debts or extra charges
• come with undisturbed possession, so no one has a right to take the goods away or prevent you from using them
• meet any extra promises made about performance, condition and quality, such as life time guarantees and money back offers
• have spare parts and repair facilities available for a reasonable time after purchase unless you were told otherwise.

Services must:

• be provided with acceptable care and skill or technical knowledge and taking all necessary steps to avoid loss and damage
• be fit for the purpose or give the results that you and the service provider had agreed to
• be delivered within a reasonable time when there is no agreed end date.

And when it comes to these things don’t fall for the “she’ll be right” approach from tradies or service providers, make sure ALL the details about a job are in writing and signed by both you the provider. And keep that agreement/contract in a safe place.

Consumer guarantees on products and services also apply to:

• bundled products and services
• gifts with proof of purchase
• sale items
• online products and services bought from Australian businesses
• second-hand products from businesses, taking into account age and condition.

Exceptions to guarantees

Consumer guarantees don’t apply if you:

• got what you asked for but simply changed your mind, found it cheaper somewhere else, decided you did not like the purchase or had no use for it
• misused a product in any way that caused the problem
• knew of or were made aware of the faults before you bought the product
• asked for a service to be done in a certain way against the advice of the business
• were unclear about what you wanted

Rights to a repair, replacement, refund, cancellation or compensation do not apply to items:

• worth more than $40 000 purely for business use, such as machinery or farming equipment
• you plan to on-sell or change so that you can re-supply as a business
• bought as a one-off from a private seller, for example at a garage sale or fete
• bought at auction where the auctioneer acted as an agent for the owner

If you are still having difficulty resolving a problem, you may want to seek assistance. The best place for where to go for consumer help will depend on your circumstances.