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Consumer policy framework

Submissions

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All submissions will remain on the Commission's website indefinitely.

Initial submissions (110)
No. Name Received Pages
1 Carol O'Donnell (PDF - 162 Kb) 14/02/2007 17
2 Dien Choong (PDF - 14 Kb) 18/02/2007 53
3 Peter Brohier (PDF - 8 Kb) 22/02/2007 1
4 Laurie Malone (PDF - 19 Kb)L 10/02/2007 2
5 Dr Michelle Sharpe (PDF - 29 Kb) 14/03/2007 3
6 Reproductive Choice Australia (PDF - 20 Kb) 19/03/2007 8
7 The Builders' Collective of Australia Inc (PDF - 28 Kb) 19/03/2007 106
8 M R Construction (PDF - 70 Kb) 21/03/2007 70
9 The Builders' Collective of Australia Inc (PDF - 193 Kb) 23/03/2007 19
10 Simon Smith (PDF - 13 Kb) 27/03/2007 2
11 Patterson, Kristine 26/03/2007 -
12 Andris Blums (PDF - 44 Kb) 28/03/2007 3
13 John Furbank (PDF - 33 Kb) 29/03/2007 6
14 John Fulton (PDF - 14 Kb) 02/04/2007 2
15 Peter Brohier (PDF - 31 Kb) 02/04/2007 2
16 Janine Bransden 02/04/2007 -
17 Motor Trades Association of Queensland (PDF - 58 Kb) 04/04/2007 6
18 Lynden Griggs (PDF - 122 Kb) 03/04/2007 14
19 Hank Spier (PDF - 66 Kb) 03/04/2007 10
20 Carol O'Donnell (PDF - 192 Kb) 12/04/2007 23
21 Insurance Council of Australia (PDF - 3633 Kb) %
- Attachment (PDF - 383 Kb)		 11/05/2007 8
53
22 Murray Holloway (PDF - 10 Kb) 13/04/2007 1
23 Murray Holloway (PDF - 8 Kb) 23/04/2007 1
24 Peter E Earl (PDF - 69 Kb) 01/05/2007 16
25 Dr Christine Parker (PDF - 105 Kb)
- Attachment (PDF - 3809 Kb)		 04/05/2007 60
54
26 Institute of Body Corporate Managers (Victoria) Inc. (PDF - 141 Kb) 07/05/2007 17
27 Ford Motor Company of Australia (PDF - 49 Kb) 09/05/2007 2
28 Lori Stone 11/05/2007 1
29 Department of Justice - Darwin (PDF - 31 Kb) 08/05/2007 2
30 Dawn Coombridge and Roderick Shaw (PDF - 17 Kb) 10/05/2007 2
31 Origin Energy (PDF - 224 Kb) 10/05/2007 -
32 Tasmanian Council of Social Services (PDF - 31 Kb) 10/05/2007 8
33 Australian Mobile Telecommunications Association (PDF - 80 Kb) 09/05/2007 -
34 TRUenergy (PDF - 263 Kb) 09/05/2007 24
35 Telstra Corporation Ltd (PDF - 144 Kb) 11/05/2007 29
36 Foresters ANA Mutual Society Ltd (PDF - 39 Kb) 11/05/2007 8
37 Wesley Community Legal Service (PDF - 29 Kb) 11/05/2007 6
38 Commonwealth Consumer Affairs Advisory Council (CCAAC) (PDF - 120 Kb) 11/05/2007 46
39 Real Estate Institute of Australia (PDF - 491 Kb) 11/05/2007 57
40 National Childrens and Youth Law Centre (PDF - 90 Kb) 11/05/2007 14
41 Australian Network of Environmental Defender's Office (PDF - 145 Kb) 11/05/2007 13
42 SA Council of Social Services Inc (PDF - 808 Kb) 11/05/2007 6
43 Motor Trades Association of Australia (PDF - 234 Kb) 11/05/2007 25
44 Standards Australia (PDF - 1286 Kb) 11/05/2007 35
45 Clubs Australia% (PDF - 2067 Kb) 11/05/2007 4
46 Energy Retailers Association of Australia (PDF - 508 Kb) 10/05/2007 34
47 Brotherhood of St Laurence (PDF - 137 Kb) 11/05/2007 6
48 Vinjaya Nagarajan (PDF - 115 Kb) 11/05/2007 18
49 Frank Zumbo (PDF - 117 Kb) 11/05/2007 29
50 Communications Alliance Limited (PDF - 273 Kb) 11/05/2007 17
51 Legal Aid Queensland (PDF - 25 Kb) 11/05/2007 4
52 Harry Wallace (PDF - 29 Kb) 05/05/2007 78
53 Credit Ombudsman Service Limited (PDF - 112 Kb) 11/05/2007 12
54 Office of the Public Advocate (PDF - 45 Kb) 14/05/2007 9
55 Optus (PDF - 130 Kb) 11/05/2007 3
56 Eastern Access Community Health (PDF - 36 Kb) 11/05/2007 5
57 AGL Energy Limited (PDF - 36 Kb) 11/05/2007 5
58 The Builders' Collective of Australia Inc - -
59 The Builders' Collective of Australia Inc% (PDF - 673 Kb) 16/05/2007 13
60 Australian National Retailers Association (PDF - 42 Kb) 16/05/2007 10
61 Dr Luke Nottage (PDF - 52 Kb) 11/05/2007 62
62 Australian Financial Counselling and Credit Reform Association (PDF - 203 Kb) 17/05/2007 30
63 Robin M G Brown (PDF - 210 Kb) 17/05/2007 34
64 Aust and NZ Energy and Water Ombudsman Network (PDF - 295 Kb) 17/05/2007 35
65 Kildonan Child and Family Services (PDF - 116 Kb) 17/05/2007 23
66 Financial Counsellors Association of Queensland (PDF - 16 Kb) 18/05/2007 4
67 Australian Toy Association Ltd (PDF - 41 Kb) 21/05/2007 3
68 WA Council of Social Services Inc. (PDF - 219 Kb) 21/05/2007 27
69 COSBOA (PDF - 57 Kb) 21/05/2007 7
70 Association of Superannuation Funds of Australia Ltd (PDF - 816 Kb) 21/05/2007 8
71 Australian Retailers Association (PDF - 179 Kb) 22/05/2007 13
72 Victorian Government (PDF - 234 Kb) 22/05/2007 66
73 NSW Office of Fair Trading (PDF - 209 Kb) 23/05/2007 45
74 Consumer Law Centre of the ACT (PDF - 65 Kb) 24/05/2007 8
75 Ministerial Council on Consumer Affairs Info Paper (PDF - 456 Kb) 25/05/2007 147
76 Joint submission from WA Community Organisations (PDF - 335 Kb) 25/05/2007 23
77 ACCORD Australasia (PDF - 261 Kb) 25/05/2007 13
78 Consumers' Telecommunications Network (PDF - 388 Kb) 25/05/2007 78
79 Victorian Aboriginal Legal Service Co-op Limited (PDF - 55 Kb) 29/05/2007 11
80 Australian Competition and Consumer Commission (PDF - 803 Kb) 29/05/2007 194
81 TEDICORE (PDF - 30 Kb) 29/05/2007 6
82 ANZ Banking Group Ltd (PDF - 56 Kb) 28/05/2007 13
83 Consumers' Federtion of Australia Info Paper (PDF - 576 Kb) 28/05/2007 38
84 AEEMA (PDF - 30 Kb) 31/05/2007 4
85 Dr Paul Harrison (PDF - 297 Kb) 31/05/2007 2
86 Carol O'Donnell (PDF - 124 Kb) 31/05/2007 14
87 Queensland Government, Minister for Tourism, Fair Trading, Wine Industry Development and women (PDF - 920 Kb) 30/05/2007 77
88 CHOICE (PDF - 845 Kb)
- Attachment (PDF - 243 Kb)		 04/06/2007 131
8
89 Banking and Financial Services Ombudsman Ltd and Financial Industry, Complaints Service and Insurance Ombudsman Service (joint submission) (PDF - 160 Kb) 06/06/2007 17
90 Ray Steinwell (PDF - 140 Kb) 06/06/2007 42
91 Victorian Council of Social Service (PDF - 305 Kb) 07/06/2007 21
92 Victorian Government (PDF - 574 Kb) 12/06/2007 170
93 Centre for Credit and Consumer Law (PDF - 246 Kb) 18/06/2007 45
94 Consumer Action Law Centre (PDF - 658 Kb) 22/06/2007 118
95 Consumer Credit Legal Centre (NSW) Inc (PDF - 383 Kb) 28/06/2007 73
96 Michael Lee - Mates Rates Mortgages (PDF - 14 Kb) 28/06/2007 4
97 Ombudsman (PDF - 61 Kb) 03/07/2007 7
98 Insolvency and Trustee Service Australia (PDF - 93 Kb) 03/07/2007 5
99 Dept of Consumer and Employment Protection WA (PDF - 253 Kb) 18/07/2007 54
100 Consumer Action Law Centre (PDF - 148 Kb) 24/07/2007 13
101 Madeleine Kingston (PDF - 25 Kb) - 61
102 Chris Field (PDF - 50 Kb) 2/08/2007 7
103 Australian Securities and Investment Commission (PDF - 509 Kb) 10/08/2007 86
104 Australian Bankers' Association Inc (PDF - 641 Kb) 22/08/2007 11
105 The Aust NZ Working Group on trans-Tasman Competition and Consumer Issues (PDF - 92 Kb) 31/08/2007 4
106 PIRAC Economics (PDF - 309 Kb) 10/09/2007 42
107 Andrew Coffey (PDF - 44 Kb) 14/09/2007 4
108 CHOICE (PDF - 85 Kb) 25/09/2007 9
109 Peach Home Loans (PDF - 338 Kb) 28/09/2007 21
110 Vic Govt - CAV - Unfair Contract Terms in Vic (PDF - 294 Kb) 08/11/2007 36

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Post-draft report submissions (146)
No. Individual / Organisation Date Pages>
DR111 Master Builders Australia Inc (PDF - 303 Kb) 19/12/2008 14
DR112 Mair, Peter (PDF - 33 Kb) 15/01/2008 6
DR113 Holloway, Murray (PDF - 10 Kb) 15/01/2008 1
DR114 Nottage, Dr Luke (PDF - 200 Kb) 16/01/2008 22
DR115 O'Donnell, Carol (PDF - 51 Kb)
- Attachment (PDF - 47 Kb)		 20/01/2008 11
10
DR116 Buckley, John (PDF - 48 Kb) 22/01/2008 1
DR117 Robert Siebert (PDF - 13 Kb) 02/01/2008 2
DR118 Glen Crest Homes (Vic) (PDF - 292 Kb) 23/01/2008 1
DR119 The Mortgage and Finance Association of Australia (MFAA) (PDF - 47 Kb) 24/01/2008 4
DR120 COTA Over 50s Ltd (PDF - 100 Kb) 25/01/2008 3
DR121 Reproductive Choice Australia (PDF - 124 Kb) 25/01/2008 4
DR122 Foundation for Effective Markets and Governance (PDF - 92 Kb) 25/01/2008 13
DR123 Queensland Consumers Association (PDF - 123 Kb) 28/01/2008 11
DR124 Reach Out for Kids Foundation (PDF - 47 Kb) 23/01/2008 10
DR125 Peter Brohier (PDF - 35 Kb) 29/01/2008 5
DR126 Tortoise Technologies Pty Ltd (PDF - 96 Kb) 29/01/2008 12
DR127 David Wilson and Associates (PDF - 22 Kb) 29/01/2008 3
DR128 The Australasian Compliance Institute (PDF - 154 Kb) 01/02/2008 7
DR129 Colin Grenfell and Ray Stevens (PDF - 56 Kb) 01/02/2008 6
DR130 Joseph, Russell (PDF - 44 Kb) 02/02/2008 3
DR131 Tyrrells Property Inspections (PDF - 13 Kb) 01/02/2008 1
DR132 Park Road Timber & Hardware Pty Ltd (PDF - 9 Kb) 04/02/2008 1
DR133 Energy Industry Ombudsman SA (PDF - 20 Kb) 04/02/2008 2
DR134 Financial Counsellors Association of Queensland Inc (PDF - 197 Kb) 04/02/2008 4
DR135 National Ethnic Disability Alliance (PDF - 90 Kb) 04/02/2008 3
DR136 Standards Australia (PDF - 275 Kb) 05/02/2008 7
DR137 Kalida Pty Ltd (PDF - 604 Kb) 04/02/2008 3
DR138 Financial Counsellors Association of NSW (PDF - 102 Kb) 05/02/2008 3
DR139 Lismore & District Financial Counselling Service Inc - -
DR140 Dalton, Rae (PDF - 14 Kb) 05/02/2008 1
DR141 Coombridge, Dawn and Shaw, Roderick (PDF - 53 Kb) 04/02/2008 3
DR142 Turnbull,  Dr I F (PDF - 17 Kb) 05/02/2008 3
DR143 Electrical Regulatory Authorities Council (PDF - 68 Kb) 01/02/2008 7
DR144 Cash Converters (PDF - 52 Kb) 05/02/2008 6
DR145 Stokes, Michael (PDF - 1549 Kb) 05/02/2008 6
DR146 Coles (PDF - 859 Kb) 06/02/2008 2
DR147 Private Health Insurance Ombudsman (PDF - 3370 Kb) 06/02/2008 4
DR148 Credit Ombudsman Service (PDF - 109 Kb) 06/02/2008 16
DR149 AGL Energy Ltd (PDF - 42 Kb) 06/02/2008 4
DR150 Australian Food and Grocery Council (PDF - 434 Kb) 06/02/2008 16
DR151 Redfern Legal Centre (PDF - 49 Kb) 06/02/2008 12
DR152 Glenvill Pty Ltd - -
DR153 Communications Law Centre (PDF - 106 Kb) 06/02/2008 3
DR154 Financial Co-operative Dispute Resolution Scheme - Ombudsman's Office Queensland (PDF - 43 Kb) 06/02/2008 3
DR155 Synergy WA (PDF - 60 Kb) 06/02/2008 5
DR156 Telstra Corporation Ltd (PDF - 185 Kb) 06/02/2003 23
DR157 Financial Sector Union National Office (PDF - 58 Kb) 06/02/2008 3
DR158 Origin Energy (PDF - 50 Kb) 06/02/2008 3
DR159 Redfern Legal Centre (PDF - 65 Kb) 06/02/2008 17
DR160 Housing Industry Association (PDF - 73 Kb) 06/02/2008 12
DR161 Australian Toy Association (PDF - 25 Kb) 06/02/2008 2
DR162 Telecommunications Industry Ombudsman (PDF - 59 Kb) 05/02/2008 2
DR163 Buchanan Law Pty Ltd (PDF - 358 Kb) 07/02/2008 4
DR164 TRUenergy (PDF - 33 Kb) 07/02/2008 3
DR165 Hazeldene Management Pty Ltd (PDF - 60 Kb) 07/02/2008 2
DR166 Harry Wallace - -
DR167 Telephone Services Standards Council (PDF - 24 Kb) 07/02/2008 4
DR168 Small Enterprise Telecommunications Centre Limited (PDF - 40 Kb) 07/02/2008 5
DR169 Motor Trades Association of Australia (PDF - 47 Kb) 07/02/2008 2
DR170 Insurance Ombudsman Service (joint submission) (PDF - 543 Kb) 06/02/2008 10
DR171 Suncorp (PDF - 92 Kb)
- Letter (PDF - 47 Kb)		 06/02/2008 16
1
DR172 Real Estate Institute of Australia (PDF - 96 Kb)
- Attachment 1 (PDF - 20 Kb)
- Attachment 2 (PDF - 46 Kb)		 05/02/2008 30
3
11
DR173 Optus (PDF - 52 Kb) 06/02/2008 9
DR174 Australian Securities and Investments Commission (PDF - 1322 Kb) 08/02/2008 27
DR175 Australian Mobile Telecommunications Association (PDF - 67 Kb)
- Letter (PDF - 47 Kb)		 08/02/2008 5
1
DR176 ACCC (PDF - 84 Kb) 11/02/2008 12
DR177 Finance Brokers Association of Australia (PDF - 188 Kb) 08/02/2008 7
DR178 ANZ Banking Group (PDF - 52 Kb) 11/02/2008 7
DR179 The Aust NZ Working Group on trans-Tasman Competition and Consumer Issues (PDF - 183 Kb) 12/02/2008 3
DR180 Woolworths Limited (PDF - 95 Kb) 12/02/2008 2
DR181 Robert Siebert (PDF - 112 Kb) 13/02/2008 34
DR182 Robert Sieber (PDF - 9 Kb)t 13/02/2008 1
DR183 Essential Services Commission (PDF - 27 Kb) 13/02/2008 1
DR184 Energy Retailers Association of Australia (PDF - 62 Kb) 13/02/2008 4
DR185 Communications Alliance Ltd (PDF - 150 Kb) 14/02/2008 5
DR186 Barry Armstrong (PDF - 15 Kb) 14/02/2008 2
DR187 Aust and NZ Energy & Water Ombudsman Network (PDF - 90 Kb) 15/02/2008 10
DR188 Association of Superannuation Funds of Australia Ltd (PDF - 46 Kb) 15/02/2008 3
DR190 Office of the Privacy Commissioner (PDF - 215 Kb) 15/02/2008 4
DR191 Anglicare Tasmania (PDF - 265 Kb) 15/02/2008 14
DR192 Janine Bransden (PDF - 12 Kb) 15/02/2008 1
DR193 Commerce Commission New Zealand (PDF - 18 Kb) 18/02/2008 3
DR194 CHOICE (PDF - 84 Kb) 18/02/2008 11
DR195 Peter Brohier - -
DR196 National Children's and Youth Law Centre (PDF - 94 Kb) 18/02/2008 8
DR197 Energywatch UK (PDF - 99 Kb) 18/02/2008 7
DR198 Glasson, Berryl - 13
DR199 National Consumers' Roundtable on Energy Joint Submission (PDF - 497 Kb)
- Attachment (PDF - 88 Kb)		 18/02/2008 15
2
DR200 UnitingCare Wesley (PDF - 100 Kb) 20/02/2008 16
DR201 Andris Blums (PDF - 13 Kb)
- Attachment 1 (PDF - 9 Kb)
- Attachment 2 (PDF - 29 Kb)
- Attachment 3 (PDF - 20 Kb)
- Attachment 4 (PDF - 18 Kb)
- Attachment 5 (PDF - 15 Kb)
- Attachment 8 (PDF - 1438 Kb)
- Attachment 9 (PDF - 2049 Kb)
- Attachment 10 (PDF - 70 Kb)		 03/02/2008 2
1
7
5
1
3
14
11
2
DR202 Legal Aid Queensland (PDF - 70 Kb) 20/02/2008 4
DR203 Australian Newsagents' Federation Ltd (PDF - 266 Kb) 18/02/2008 12
DR204 Essential Services Consumer Council ACT (PDF - 45 Kb) 20/02/2008 4
DR205 Australian Financial Counselling & Credit Reform Association (PDF - 97 Kb) 18/02/2008 6
DR206 Kildonan Uniting Care (PDF - 82 Kb) 21/02/2008 9
DR207 Australian Financial Counselling & Credit Reform Association/Consumer Law Centre (PDF - 188 Kb) 21/02/2008 6
DR208 GE Money (PDF - 233 Kb) 22/02/2008 5
DR209 Andris Blums (PDF - 39 Kb) 22/02/2008 6
DR210 Kim Booth MP (PDF - 78 Kb) 22/02/2008 3
DR211 Consumers' Telecommunications Network (PDF - 71 Kb) 22/02/2008 14
DR212 Financial Planning Association of Australia Ltd (PDF - 81 Kb) 22/02/2008 3
DR213 The Builders' Collective of Australia (PDF - 21 Kb)
- Letter (PDF - 16 Kb)		 25/02/2008 15
DR214 Harden Jones Architect (PDF - 18 Kb) 26/02/2008 1
DR215 Legal Aid New South Wales (PDF - 57 Kb) 27/02/2008 9
DR216 Australian Finance Conference (PDF - 205 Kb) 29/02/2008 12
DR217 Frank Zumbo (PDF - 52 Kb) 29/02/2008 14
DR218 Chris Field (PDF - 33 Kb) 29/02/2008 3
DR219 Consumer Affairs South Australia (PDF - 743 Kb) 04/03/2008 16
DR220 National Legal Aid (PDF - 54 Kb) 04/03/2008 6
DR221 Association of Independent Financial Advisers (PDF - 97 Kb) 10/03/2008 11
DR222 Energy Supply Association of Australia (PDF - 57 Kb) 12/03/2008 4
DR223 John Fulton (PDF - 9 Kb) 10/03/2008 1
DR224 Not allocated - -
DR225 Law Council of Australia (PDF - 766 Kb)
- Attachment (PDF - 664 Kb)		   32
DR226 Victorian Government (PDF - 443 Kb) 12/03/2008 111
DR227 Australian Consumer Law Group (PDF - 50 Kb) 12/03/2008 6
DR228 Joint Consumer Groups (PDF - 317 Kb) 12/03/2008 48
DR229 Bob Black (PDF - 14 Kb) 14/03/2008 1
DR230 Australasian Retail Credit Association - -
DR231 Australian Direct Marketing Association (PDF - 40 Kb) 17/03/2008 7
DR232 Best Hooper Solicitors (PDF - 119 Kb) 17/03/2008 3
DR233 Builders Collective of Australia (PDF - 574 Kb)
- Attachment (PDF - 2134 Kb)		 17/03/2008 41
DR234 Consumers Federation of Australia (PDF - 21 Kb)
- Attachment (PDF - 71 Kb)		 18/03/2008 25
DR235 CPR (joint submission) (PDF - 310 Kb) 19/03/2008 10
DR236 CHOICE (PDF - 158 Kb) 19/03/2008 17
DR237 Kim Booth MP (PDF - 20 Kb) 19/03/2008 5
DR238 Victorian Aboriginal Legal Service Co-op Ltd (PDF - 89 Kb) 20/03/2008 9
DR239 Andris Blums (PDF - 24 Kb) 20/03/2008 6
DR240 Andris Blums (PDF - 9 Kb) 25/03/2008 2
DR241 Consumer Action Law Centre (PDF - 109 Kb) 25/03/2008 13
DR242 Madeleine Kingston (PDF - 237 Kb)
Madeleine Kingston - Part 1 (PDF - 679 Kb)
Madeleine Kingston - Part 2 (PDF - 424 Kb)
Madeleine Kingston - Part 3 (PDF - 291 Kb)
Madeleine Kingston - Part 4 (PDF - 1526 Kb)
Madeleine Kingston - Part 8 (PDF - 487 Kb)		 09/04/2008 125
DR243 WA Council of Social Service Inc (PDF - 146 Kb)
- Letter (PDF - 80 Kb)		 26/03/2008 28
DR244 Veda Advantage Information Services and Solutions Limited (PDF - 3144 Kb) 20/03/2008 44
DR245 Australian Bankers' Association (PDF - 248 Kb) 15/04/2008 27
DR246 ANZ Banking Group (PDF - 38 Kb) 31/03/2008 4
DR247 Westpac Banking Corporation (PDF - 175 Kb) 02/04/2008 4
DR248 Dept of Consumer and Employment Protection WA (PDF - 87 Kb) 04/04/2008 24
DR249 Andris Blums (PDF - 11 Kb) 07/04/2008 2
DR250 ACT Government (PDF - 430 Kb) 01/04/2008 8
DR251 NSW Government - Office of Fair Trading (PDF - 87 Kb) 11/04/2008 21
DR252 Peter Brohier (PDF - 42 Kb)
- Attachment (PDF - 25 Kb)		 11/04/2008 3
DR253 Louise Sylvan (PDF - 44 Kb) 11/04/2008 5
DR254 Aust & NZ Energy and Water Ombudsman Network (PDF - 83 Kb) 17/04/2008 4
DR255 Peter Brohier (PDF - 17 Kb)
- Attachment (PDF - 27 Kb)		 21/04/2008 3
DR256 Suncorp (PDF - 12 Kb) 03/04/2008 1

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