Never sign anything that you haven't read or understood - especially if it has blank spaces. There's rarely a cooling-off period and if you do cancel, you may be up for a hefty cancellation fee.Mobile phones
Before you buy:
To avoid hassles:
When buying privately, contact the Personal Property Securities Register (PPSR) first. PPSR will check if the vehicle is carrying a debt. A PPSR certificate will give you conditional legal protection against repossession due to a previous owner’s unpaid debt.
For more information, visit www.ppsr.gov.au
Thinking of renting a property by yourself or with friends?
The landlord or agent must give you a copy of the lease called a Residential Tenancy Agreement (fillable and saveable PDF size: 107kb). This is a legally binding contract.
You must also be given a Condition Report (fillable and saveable PDF size: 2.8Mb) which is a checklist of the condition of each room in the property. You should complete the tenants part of the report, noting anything that is missing or broken. Be specific, as it could mean the difference between getting your bond back or not. Return it within 7 days.
The landlord or agent must give you a copy of the New Tenant Checklist. It provides important information and useful tips on avoiding tenancy problems.
Pay the rent on time and keep all your rent receipts or bank statements if you pay online.
Look after the place and let the landlord or agent know if anything needs fixing. Check with the landlord before changing locks.
Don’t disturb the neighbours. Get the landlord’s written permission before someone else moves in or before you make any change to the property.
Note: If your place is part of a strata or community scheme there are extra rules to follow called by-laws.
When you are a tenant you have a range of rights under the law covering, for example, repairs, privacy, rent increases and moving out. You can find more information in your Tenancy Agreement or from the Renting a home section of this website.
For all Rental Bond and general tenancy enquiries Tel: 13 32 20
As a shopper you have certain rights. The information you get about a product or service must be accurate and the product must be labelled correctly. You are entitled to a receipt upon request.
The law gives you consumer guarantees in case things go wrong. The retailer should provide a refund, exchange or repair when the product you bought:
If the problem is serious, you can choose to return the product and get a refund.
If you simply change your mind, you may only be able to get a refund if the store has a ‘no hassle’ refund policy.
Shopping in cyberspace certainly has its risks. However there are ways you can minimise hassles.
To avoid hassles:
Before you borrow money or sign up for a credit card you should work out how much you can really afford to repay, allowing for your regular expenses. It is tempting to accept a higher limit on your credit card but don’t agree to it unless you know you can afford it.
Visit www.moneysmart.gov.au for information and tools on managing money.
To manage your credit card:
Contact the Credit and Debt Hotline on 1800 007 007 for free, confidential financial advice on credit or debt or visit www.cclcnsw.org.au
If you have a problem with something you have bought you should first try to sort it out with the seller. Take the receipt with you as well as any other bits of paper that relate to the sale (eg. a warranty or quote). Write down the names of the people you speak to and what was said. If you can’t come to an agreement with the seller contact NSW Fair Trading on 13 32 20 or lodge a complaint online.
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