Know the basics
Debt & consumer law 101
Every purchase, loan and service you pay for comes with rights and responsibilities. Lenders must follow rules on how they recover debts, and businesses have obligations about the quality of the goods and services they provide.
RPAI members can get guidance on debt demands, consumer complaints and disputes with businesses, so they can respond appropriately instead of reacting under pressure.
Coverage
What debt & consumer law covers
Tap any topic to see how legal guidance can help.
01
Debt demands & recovery
Understand demand letters, what lenders may lawfully do, and how to respond.
02
Loans & digital lending
Get guidance on loan terms, hidden charges and aggressive or unlawful recovery practices.
03
Faulty goods & services
Know your rights when a product is defective or a service falls short of what was promised.
04
Refunds & complaints
Learn how to escalate complaints to businesses and the appropriate consumer protection bodies.
05
Banking & payment disputes
Get guidance on unauthorised transactions, wrongful debits and disputes with financial institutions.
06
Repayment arrangements
Explore lawful ways to negotiate repayment arrangements and resolve debts sustainably.
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