Consumer Credit Legal Service (WA) Inc. is a statewide service providing free legal advice and/or representation in the areas of banking, finance, credit; and consumer goods and services. The organisation provides free assistance through the telephone advice line (08 9221 7066), casework, and community legal education.
CCLSWA has been campaigning against payday lending. On 8 September 2015 The Project investigated the payday lending industry: the cost and the debt spiral. The Project discussed how vulnerable people take out payday loans that they struggle to pay back. Click the image below to view the segment.
Financial Literacy Education Prevention better than cure
CCLSWA is committed to financial literacy education initiatives and community legal education as preventative measures. Financial literacy is key to prevent poor financial decisions and out-of-control debt.
The past few months have again proved very busy with community legal education (CLE) sessions.
In July and August CCLSWA delivered a number of CLE sessions to Year 12 high schools students. Our volunteer paralegals delivered four sessions at Willetton Senior High School, two sessions at Corpus Christi College, and one session to students at Mandurah Baptist College.
The students were very receptive. They learnt about the legal implications of signing up for mobile phone contracts, buying their first cars, getting credit cards, online shopping safety, moving out of home and getting their first jobs. Thanks to Aoife, Blake, Eamonn, Edward, Emily, Isabelle, Jasper, Megan and Nadia. Special thanks also to Catherine Graville, who took time out to speak at the alma mater Willetton SHS, despite no longer volunteering at CCLSWA.
In addition, CCLSWA Solicitor Curtis Ward and volunteer paralegal Isabelle presented at Brockman Community House on the topics of consumer law, loan applications, buying a car on finance, credit cards, superannuation, online shopping and online banking. Curtis and Isabelle also spoke about how to apply for hardship moratorium and the consequences of default, including the listings on credit reports. They also discussed the potential pitfalls if people use payday loans to tide over rough patches.
Volunteer paralegal Aarushi discussed with Meagan P of the Smith Family on how CCLSWA could help her clients on credit and debt legal issues.
Solicitors Georgina Molloy and Curtis Ward delivered a session on credit reporting and debt collecting to tenancy advocates from around Western Australia. We thank our colleagues at Tenancy WA for hosting the session.
Senate Inquiry into credit card interest rates
CCLSWA provided a submission to the inquiry by the Federal Senate Standing Committees on Economics into Matters Relating to Credit Card Interest Rates.
The submission focuses on the costs incurred by consumers resulting from the difference between cash rates and interest rates. In the submission CCLSWA refers to the issues faced by some of its clients to highlight the impact these costs can have on those with low incomes and mental illness. The submission also examines the effects of credit card ‘honeymoon periods’ and possible issues with payday lending that may arise if the problems with interest rates are not addressed.
If you are having trouble meeting your credit card repayments, please call our advice line (08) 9221 7066.
Welcome to Gemma Corles
CCLSWA welcomes Gemma Corles, our new Legal Administration Assistant. Gemma recently moved from the Northern Territory where she worked for a federal Member of Parliament. Before that, Gemma worked in Queensland for a state Member of Parliament. Gemma’s qualifications include a Bachelor of Laws and a Bachelor of Politics and Government. Gemma is very excited to be joining the community legal industry and continuing to work with marginalised members of our community. Welcome, Gemma!