Superannuation: Contacts

Superannuation is money regularly put into a fund that will be paid to the employee as a pension when they retire.

Managing your money

Key legislation related to social security
Pensions
Allowances and payments
Bonuses
Compulsory income management
Concession cards
International pension agreements
Portability
Compensation and damages payments
Income tax and Centrelink payments
Overpayments
Social security appeals
More information about dealing with social security
Dealing with social security: Contacts

Introduction to debt
Credit reporting and privacy protection
Queries about your credit report
Contact from the creditor to try to make you pay
Statute-barred debts
Your rights and options
If you are sued
Defences if you are sued
Applying for a rehearing
Enforcement of court orders
Services that can help with debt

What is bankruptcy?
Who can be made bankrupt?
Who administers the bankruptcy law?
What happens to a bankrupt’s property?
What happens to a bankrupt’s income?
The effect of bankruptcy on debts
Leaving Australia
Criminal offences under the Bankruptcy Act
The process of going bankrupt
When does bankruptcy end?
Other procedures under the Bankruptcy Act
Understanding bankruptcy: Contacts

What is a financial counsellor?
National financial counselling services
State-wide financial counselling services
Melbourne financial counselling services
Country financial counselling services
Financial counselling services for farming communities

Introduction to taxation
How is your income tax liability determined?
Taxpayer’s responsibilities and your tax file number
Tax returns
Assessment of your tax return
Queries: Private rulings and oral rulings
Penalties, interest charges and offences relating to tax returns
Taxation objections, reviews and appeals
Paying your tax
Fringe Benefits Tax
Goods and Services Tax
State duties and taxes
Taxation: Contacts

Superannuation: Contacts
Superannuation schemes
Regulation of superannuation funds
Superannuation benefits
Superannuation benefit disputes
Reviewing a trustee’s decision
Reviewing an insurer’s decision

Understanding credit and finance: Contacts
Introduction to credit and finance and key legislation
National credit law reform
What is a credit contract?
Before you enter a credit contract
Disclosure before entering a contract
What information should be in a credit contract?

Mortgages
Guarantees
Varying, re-opening and terminating credit contracts
Consumer leases
Payday loans
Credit-related insurance
Tied credit contracts
Vendor terms contracts and rent-to-buy arrangements
Pawnbrokers
Finance brokers
Mortgages, consumer leases and other finance products: Contacts

Credit reporting: Contacts
Introduction to credit reporting
Credit report regulation
Who can add information to a credit report?
What information is in a credit report?
Misuse of information in credit reports
Identity theft and credit reporting
Correcting credit reports and complaints
Getting a copy of your credit report

Unauthorised transactions and ePayments Code: Contacts
Unauthorised transactions and credit disputes
Credit and finance industry codes of conduct
Solving disputes with creditors
Where to get help with a credit matter

Contributor

Paul Bingham

Barrister

Australian Financial Complaints Authority (AFCA)
Tel: 1800931678
Email: info@afca.org.au
Web: www.afca.org.au

On 1 November 2018, AFCA replaced the Financial Ombudsman Service, the Superannuation Complaints Tribunal (SCT), and the Credit and Investments Ombudsman. Complaints made to the SCT before that date will remain with the SCT.

Australian Taxation Office (ATO)
Tel: 13 28 65
Web: www.ato.gov.au/individuals/super

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Topics

Superannuation

Managing your money

Dealing with social security

Are you in debt?

Understanding bankruptcy

Financial counselling services

Taxation

Superannuation

Understanding credit and finance

Mortgages, consumer leases and other finance products

Credit reporting

Unauthorised transactions and ePayments Code

Contributor

Superannuation: Contacts

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