Consumer policy framework

Submissions

On this web page

Initial submissions (110)
Post draft report submissions (146)

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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

Consumer policy framework

Submissions

Submissions

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