In whose interest? Introduction Legal Aid Commissions, Community Legal Centres, financial counsellors, social workers and other community workers across Australia have received complaints from consumers about Avco Financial Services Limited (“Avco”) for many years. With the help of these professionals, some consumers have successfully taken legal action against Avco. Many other consumers have lodged complaints with government consumer protection agencies. However, despite the efforts of these consumers and their advisers, consumers throughout Australia continue to complain about their experiences with Avco. Further, the complaints continue to raise the same issues that have arisen in relation to Avco’s practices for years. This report draws upon the experiences of consumers as reported to financial counsellors, lawyers and other advocates. The appendix to the report is a compilation of case studies involving Avco from across Australia. Some of these cases have been, and are, the subject of court proceedings. In documenting these experiences, this report has the following aims: to put consumers “on notice” of Avco’s practices; to demonstrate the need for government regulatory authorities across Australia to investigate the practices of Avco; and to encourage Avco to change its practices, and to become a responsible, consumer friendly, corporate citizen.

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