CCLSWA  Newsletter November 2015

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Who we are and what we do 

 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 AGM 14 October 2015

CCLSWA held its Annual General Meeting on 14 October 2015. 

Click here to read the Annual Report 2015

CCLSWA congratulates our solicitor Curtis Ward. On 13 October 2015 Curtis completed the required period of supervised legal practice and became an unrestricted practitioner. 

In December 2015 and January 2016, Curtis will complete a secondment stint with Cleveland & Co, where he would work on criminal matters with Managing Lawyer, Gerard Cleveland.  Gerry is no stranger to CCLSWA, having worked as a solicitor here in 2008/2009.

Curtis will bring invaluable skills back to CCLSWA.

Visit by Kate Doust MLC 

We welcomed the Deputy Leader in the Legislative Council; Shadow Minister for Industrial Relations; Commerce; Information Communications Technology; Small Business; and Electoral Affairs, the Hon. Catherine (Kate) Doust MLC to our offices on 30 September 2015. Ms Doust spoke with our Principal Solicitor Faith Cheok and solicitors Curtis Ward and Gemma Mitchell on a range of consumer law and consumer credit issues that affect Western Australian consumers. CCLSWA thanks Ms Doust and her office for making time for the visit

FCAWA conference

Financial abuse of seniors

In October, CCLSWA solicitors Faith Cheok and Georgina Molloy, and volunteer paralegal Edward Souti presented at the 2015 annual conference of the Financial Counsellors' Association of Western Australia.
CCLSWA spoke on the laws surrounding unjustness and unconscionable conduct in loan contracts, with a particular focus on the vulnerability of elderly persons. Georgina and Edward discussed particular cases including the landmark case of Commercial Bank of Australia v Amadio and the recent NSW case of Karamihos v Bendigo nd Adelaide Bank.  The issue of financial abuse of seniors is now more prevalent in Australia, although we suspect the incidence is under-reported.
Click here to read what the Age and Disability Discrimination Commissioner Susan Ryan has to say about this issue in Australia.


As another academic year draws to an end, we say goodbye to longstanding volunteer paralegals who have contributed significant time to CCLSWA during their studies.  Aarushi starts on her graduate role with ANZ next year while Blake and Jasper are now pursuing paralegal opportunities with Herbert Smith Freehills. 

Volunteers are integral to CCLSWA's operations, particularly on our telephone advice line and our community legal education services. For more information about volunteering opportunities with CCLSWA see our website
ASIC smart money tips
Interest-only mortgages
ASIC's financial infographic explains how interest-only mortgages have grown in Australia and how much people are borrowing. ASIC's interest-only mortgage calculator shows you what this sort of loan will really cost you. Find out more here.  

Money "musts" before you die
It might be hard to imagine but what if something were to happen to you? Here are some simple steps you can take to protect the important people in your life.Find out more here 

Make sense of your super statement 
Getting your annual super statement is a great trigger to do a quick review of your super.  Find out more here       

Your first super account
If you are just starting out in the workforce you need to find out how super works so you can start building it up. Find out more here            


Associate Professor Aviva Frelich
on CCLSWA's contribution to UWA consumer law lecture & workshop:


"Thank you very much for your presentation last week and workshop today. The students were clearly engaged and enlivened! You really showed them the practical side to the theory they learn.
Your case studies were great!
Informal feedback from the students has been very positive-
I wouldn’t be surprised if this translates into a number of them wanting to volunteer at CCLS.
We greatly value CCLS’s contribution to student learning and look forward to maintaining our connection with you

Need more information
Call us: (08) 9221 7066 (9am – 4pm weekdays)
Send us an email
Visit our website:

Copyright © 2014 Consumer Credit Legal Service (WA) Inc All rights reserved.

Our mailing address is:
Consumer Credit Legal Service (WA) Inc.
Level 1, 231 Adelaide Terrace
Perth, WA 6000
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