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Bankruptcy laws are set to change in response to the increasing number of Australians set to suffer financially as a result of the coronavirus fallout.

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Among the proposed economic initiatives put forward by Prime Minister Scott Morrison and the Treasury on Sunday, 22 March, were a number of changes to bankruptcy law.

According to the Australian Financial Security Authority (AFSA), the debt threshold for creditors to apply for a bankruptcy notice against a debtor will increase to $20,000.

In addition, the time frame for a debtor to respond to a bankruptcy notice before a creditor can commence bankruptcy proceedings will be increased to up to six months.

The temporary protection period procedure available for debtors is also likely to change to prevent recovery action by unsecured creditors for a six-month period.

AFSA has outlined that the changes are expected to come into effect shortly.

nestegg will provide an update as we learn more. 

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Bankruptcy laws are set to change in response to the increasing number of Australians set to suffer financially as a result of the coronavirus fallout.

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Consumers are being warned that some Australian brands are looking to cash in on the COVID-19 crisis through pushing sales tactics that fuel anxiety.

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According to consumer advocacy group CHOICE, well-known Australian brands are pushing messages such as “stock up now before it’s gone” on health-related products.

“Australians expect more from major retailers at this time. Using pushy sales tactics to exploit anxiety about COVID-19 to encourage panic buying is not on. These are disgraceful marketing tactics,” says CHOICE consumer advocate Jonathan Brown.

The calls come after Prime Minister Scott Morrison told Australians to stop hoarding items, citing Australian supermarkets have enough for everyone.

“Stop hoarding. I can’t be more blunt about it. Stop it – it’s ridiculous, it’s un-Australian and I would ask people to do the right thing by each other.

“It is not necessary, it is not something people should be doing,” Mr Morrison said.

The CEO of Woolworths group, Brad Banducci, told the media there is no shortage of food in Australia.

“We have enough products in Australia to feed all our customers. There are no fundamental shortages that we’re seeing right now.

“If we all buy what we need and treat our team with respect, we will rapidly get back to full supply or 99 per cent of supply,” Mr Banducci said.

While the PM and business leaders are calling for calm, CHOICE has found multiple examples of terms like “stock up now before it’s gone”, “order now limited stock” and “stock up and stay safe” as businesses look to profit off the pandemic. 

“The Prime Minister has called for calm. We think this advice should apply to the business community, too. We need all brands to be responsible and support the community to navigate these challenges rather than cash in on fear,” Mr Brown concluded.

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Consumers are being warned that some Australian brands are looking to cash in on the COVID-19 crisis through pushing sales tactics that fuel anxiety.

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As borders close down and flights are grounded, it doesn’t look like Australians will be travelling any time soon. So, can you get your money back?

Write comment (0 Comments) " ["fulltext"]=> string(2956) "

The Australian Competition and Consumer Commission (ACCC) has provided up-to-date information for consumers who may be affected by cancellations to their travel plans.

It comes as the federal government has announced a stage 4 travel ban.

nestegg does note that a huge number of businesses and companies in the travel sector have been impacted by changes to policies and government advice on a continuing basis and are therefore being inundated with queries from concerned persons.

To combat long communication wait times, information about refund and remedy processes is being placed on relevant websites in many instances.

Here’s what the consumer watchdog is saying:

A flight, cruise or tour I was meant to be going has been cancelled. Can I receive a refund?

Under normal circumstances, if your travel plans are cancelled by the provider, the ACCC said it expects you to receive a refund or other remedy, such as a credit note or voucher, in most circumstances.

However, where an event is cancelled due to government restrictions, your rights under consumer guarantees are impacted.

You may still be entitled to a refund under the terms and conditions of your ticket – the ACCC is advising Australians to contact the business directly to request a refund or other remedy such as a credit note or voucher.

Am I entitled to compensation for other expenses I have already paid out in relation to my trip, such as accommodation?

The ACCC is advising consumers to first approach the related service provider to see if they are prepared to offer you a refund.

Also, check your travel insurance policy – as well as the fine print - to see if it covers such expenses.

According to the watchdog, you may be entitled to compensation for these expenses under Australian Consumer Law, but this will depend on your specific circumstances and is unfortunately unlikely to be the case where the travel is cancelled due to government restrictions.

Can I cancel a travel booking due to my concerns about COVID-19 and receive a refund?

In this scenario, such a decision may be treated as a “change of mind”.

The ACCC said in this instance, you can contact the provider to see if you are entitled to a remedy – possibly a full or partial refund, a credit note or voucher.

It is especially worthwhile trying this where you have a health condition that means you are at a higher risk, but the ACCC can offer no guarantees.

Given the exceptional circumstances, the ACCC outlined that it is encouraging all businesses to treat consumers fairly.

nestegg has previously looked at consumer rights in the case of event cancellations.

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So, can you get your money back?" 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As borders close down and flights are grounded, it doesn’t look like Australians will be travelling any time soon. So, can you get your money back?

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As the major supermarkets battle to keep products on the shelves, new data has revealed the impact it is having on grocery sales.

Write comment (0 Comments) " ["fulltext"]=> string(2201) "

According to UBS retail analyst Ben Gilbert, estimates suggest supermarket sales should have risen at least 25 per cent year-on-year in recent weeks, as Aussies stock up on basic goods.

“This is consistent with global trends where the UK has seen categories such as tissues and pasta up over 50 per cent for the week commencing 1 March.

“That said, increased sales have come with increased costs through the supply chain, which limits the level of operating leverage we might normally expect. We now forecast quarter one industry supermarket sales +9.5 per cent year-on-year and quarter two +6.1,” Mr Gilbert said.

NAB says its mapping states retail trade will rise by 0.6 per cent in February month-on-month following a 0.3 per cent fall in January.

This result is higher than might have been expected given the strain on the Australian economy following the bushfires and the coronavirus (COVID-19) pandemic. 

There are three potential factors underlying this result. Firstly, January was a very weak month due to the fires, and the first part of February likely saw a return to something resembling normality for parts of the retail sector (although this has now dissipated). 

Secondly, the ABS seasonal factors are potentially lagging changed consumption trends. 

Thirdly, by late February, spending at supermarkets was beginning to ramp up in response to coronavirus, although the major ramp-up didn’t begin until March.

NAB chief economist Alan Oster said, “Panic buying has now set in at supermarkets across Australia. While this will boost the headline retail sales figure in March, other retail sectors and consumption spend more generally in areas such as health, education, restaurants and other services, including airlines, face massive challenges.”

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As the major supermarkets battle to keep products on the shelves, new data has revealed the impact it is having on grocery sales.

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The consumer watchdog has provided some helpful advice for Australians hoping for refunds as mass event cancellations occur as a result of COVID-19 concerns.

Write comment (0 Comments) " ["fulltext"]=> string(3787) "

The Australian Competition and Consumer Commission (ACCC) has released a handy guide on the latest information consumer rights surrounding event cancellations.

It comes as large-scale sporting events such as the AFL and NRL close their doors to spectators despite ticket sales having already taken place, the cancellation of remaining games in the NBL grand final series, the news that regional music festival Groovin The Moo will not be going ahead for 2020, and the postponement of Byron Bay’s Splendour in the Grass to later in the year, just to name a few disruptions. 

The consumer information comes as Prime Minister Scott Morrison updated advice this morning (18 March) on the size of events allowed to be held.

Bans now prevent Australians from organising or attending non-essential indoor gatherings of 100 people or more, while groups of 500 people and above are outlawed where they are scheduled outside.

In addition, a number of smaller events have been cancelled by organisers out of concern for future uncertainty and virus containment reasons.

So, am I entitled to a refund if I have bought tickets for an event that has since been cancelled?

The ACCC has the following advice:

- Where an event is cancelled, the ACCC expects consumers to be able to receive a refund or remedy such as a credit note or voucher “in most circumstances”.
- However, if the event has been cancelled due to government restrictions, your rights under the consumer guarantee can be impacted.
- You may be entitled to a refund under the terms and conditions of your ticket.

The ACCC has advised contacting the business directly to request a refund or other remedy such as a credit note or voucher.

nestegg notes a number of the larger events and businesses that have been impacted are currently being inundated with queries from concerned persons. Information about refund and remedy processes is often able to be found on relevant websites.

Given the exceptional circumstances, the ACCC has indicated that it is encouraging all businesses to treat consumers fairly.

The event I was supposed to attend has been cancelled, am I also entitled to compensation for travel or accommodation expenses?

In this case, the ACCC has recommended the following:

- First, approach your travel or accommodation provider to see if they would be prepared to offer you a replacement service, refund or voucher.
- Check your cover under any travel insurance policy you may have taken out.

While you may be entitled to compensation under Australian Consumer Law, the consumer watchdog has outlined it will depend on the specific circumstances.

According to the ACCC, this is unlikely to be the case where the event is cancelled due to government restrictions.

I have tickets to an event that hasn’t been cancelled, but I don’t want to attend due to coronavirus concerns. Can I be refunded in this case?

In this circumstance, the ACCC has advised the following:

- Generally, anyone who does not wish to attend a paid-for event due to COVID-19 concerns, this may be treated as a “change of mind”.
- You can contact the event organiser to see if you are entitled to a remedy – maybe a full or partial refund, credit note or voucher.
- For anyone who has a health condition that may place them at higher risk, the ACCC advises contacting the event organiser for a refund or a voucher for use at a later date.

Again, the ACCC has said it is urging all Australian businesses to treat consumers fairly at this time.

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The consumer watchdog has provided some helpful advice for Australians hoping for refunds as mass event cancellations occur as a result of COVID-19 concerns.

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While the public grapples with health concerns around coronavirus, Scamwatch has raised the alarm about a new text scam doing the rounds that isn’t doing anything to help.

Write comment (0 Comments) " ["fulltext"]=> string(861) "

The Australian Competition and Consumer Commission’s Scamwatch has published a tweet warning Australians not to click on links in suspicious texts that claim to be from the Australian government.

The screenshot accompanying the warning shows a text message, reportedly from “GOV” that says: “You’ve received a new message regarding the COVID-19 safetyline symptoms and when to get tested in your geographical area” and is accompanied by a link.

According to Scamwatch, the scam text “tries to trick you into installing software that will steal your banking credentials”.

If you do receive this text message, don’t click on the link.

Instead, report the SMS to the ACCC and Scamwatch team here. 

 

 

 

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While the public grapples with health concerns around coronavirus, Scamwatch has raised the alarm about a new text scam doing the rounds that isn’t doing anything to help.

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