External Dispute Resolution Schemes

Credit Union Dispute Resolution Centre (CUDRC) - CUDRC deals with complaints about most Australian credit unions. www.cudrc.com.au

Financial Co-operative Dispute Resolution Scheme (FCDRS) - The FCDRS deals with complaints from consumers about those Australian credit unions and building societies who are members of the scheme. www.fcdrs.org.au

Financial Ombudsman Service (FOS) - FOS assists with complaints about financial services providers including banks, investment and financial planning services, insurance and some superannuation providers. www.fos.org.au

Insurance Brokers Disputes Limited (IBD) - IBD deals with complaints about general or life insurance brokers. www.ibdltd.com.au

Insurance Enquiries and Complaints (IEC) - IEC deals with complaints about general insurance companies. www.iecltd.com.au

Industry Organisations

Australian Association of Permanent Building Societies (AAPBS) www.aapbs.com.au

Australian Bankers Association (ABA) www.bankers.asn.au

Finance Brokers Association of Australia (FBAA) hwww.financebrokers.com.au

Mortgage and Finance Association of Australia (MFAA) www.mfaa.com.au

National Financial Service Federation (NFSF) www.nfsf.org.au

Government Organisations

Australian Competition and Consumer Commission (ACCC) www.accc.gov.au

Australian Securities and Investment Commission (ASIC) www.asic.gov.au

Consumer Affairs and Fair Trading Offices

ACT www.fairtrading.act.gov.au

Northern Territory www.caba.nt.gov.au

NSW www.fairtrading.nsw.gov.au

Queensland www.fairtrading.qld.gov.au

South Australia www.ocba.sa.gov.au

Tasmania www.justice.tas.gov.au/ca

Victoria www.consumer.vic.gov.au

Western Australia www.docep.wa.gov.au

Northern Territory www.omb-hcscc.nt.gov.au

State Ombudsman

NSW www.nswombudsman.nsw.gov.au

Queensland www.ombudsman.qld.gov.au

South Australia www.ombudsman.sa.gov.au

Tasmania www.justice.tas.gov.au/ombudsman

Victoria www.ombudsman.vic.gov.au

Western Australia www.ombudsman.wa.gov.au

Utilities Resolution Schemes

Energy Ombudsman

NSW www.ewon.com.au

South Australia www.eiosa.com.au

Tasmania www.justice.tas.gov.au/electricity_ombudsman

Victoria www.ewov.com.au

Telecommunications Ombudsman www.tio.com.au

Consumer Information and Assistance

Australian Financial Counselling & Credit Reform Association (AFCCRA) www.afccra.org

Australian Consumer Association (CHOICE) www.choice.com.au

Complaint Line www.complaintline.com.au

Consumers Online www.consumersonline.gov.au

FIDO www.fido.asic.gov.au

Community Legal Centres

NSW Consumer Credit Legal Centre

QLD Queensland Assoicaiton of Independent Legal Services

SA South Australian Community Legal Centres

TAS Launceston Community Legal Centre - Call 1800 066 019

ACT Consumer Law Centre ACT

VIC Consumer Action Law Centre

WA Community Legal Centres Association of WA

NT Darwin Community Legal Services

Small Claims Courts and Tribunals

NSW www.cttt.nsw.gov.au

Queensland www.justice.qld.gov.au

South Australia www.courts.sa.gov.au

Tasmania www.courts.tas.gov.au/smallclaims

Victoria www.vcat.vic.gov.au

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