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Second edition, March 2008 This information applies to people who live in, or are affected by, the law as it applies in NSW, Australia. This publication is also available in Chinese, Arabic and Farsi. An electronic copy of this publication in English, Chinese, Arabic and Farsi is available online in the NSW Young Lawyers website (www.lawsociety.com.au/page.asp?partid=6306) The material in the publication is designed as a plain English guide and to provide information only. It is not to be used as a substitute for legal advice. NSW Young Lawyers, the Law Society of NSW and any other person involved in the production of the contents of this publication disclaim any liability for direct, indirect or consequential loss arising in connection with the use of the contents of this publication or reliance on those contents by any person, whether used in the original form or altered in some way by the user. NSW Young Lawyers, the Law Society of NSW and the authors give no warranties nor make any representations in respect of the contents of this production. Any opinions expressed in this publication are those of the authors and do not necessarily reflect the views of the Law and Justice Foundations Board of Governors.
Title: New land new law : a guide to the legal system in NSW / Author, New South Wales Young Lawyers. Edition: 2nd ed. Publisher: Sydney : NSW Young Lawyers, March 2008. ISBN:9780975600245 (pbk.) Subjects Minorities--Services for--New South Wales. Law--New South Wales. Other Authors/Contributors: NSW Young Lawyers. Available online: www.lawsociety.com.au/page.asp?partid=6306 Dewey Number: 349.944
TABLE OF CONTENTS
Acknowledgements Preface Chapter 1: Lawyers and legal services How to find a lawyer and how lawyers can help you Chapter 2: Government and courts in NSW Court structure and what to do if you need to go to court Chapter 3: Immigration and citizenship Visas and your rights to stay in Australia Chapter 4: Discrimination and harassment Inappropriate behaviour in public places and what you can do about it Chapter 5: Privacy Protecting your private information iv vi 1 5 8 16
Chapter 12: Victims compensation Getting money when you are a victim of violence Chapter 13: Apprehended violence orders What to do when you are afraid someone will be violent Chapter 14: Family law Separation, divorce, children and family violence Chapter 15: Employment problems Understanding your rights at work Chapter 16: Contracts Making agreements Chapter 17: Debt Loans, credit and owing money Chapter 18: Consumer protection Your rights when shopping for goods or services Chapter 19: Financial services Knowing more about your money Chapter 20: Wills Your money and assets after you die Glossary
53 61 67 74 86 89 97 103 105
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Chapter 6: Tenancy 23 Your rights and obligations when you are renting a home Chapter 7: Traffic offences Important road rules and penalties Chapter 8: Police powers Your rights when dealing with police Chapter 9: Criminal law Crimes and punishment of criminals Chapter 10: Torts Going to civil court and getting money for injuries Chapter 11: Civil liability Going to civil court and getting money for injuries in public places, injuries to your relatives and injuries from medical treatment 32 34 40 46 50
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ACKNOWLEDGEMENTS
This publication has been produced with the financial assistance of the Law and Justice Foundation of NSW. We are thankful for their recognition of the value of this project. The Foundation seeks to advance the fairness and equity of the justice system and to improve access to justice, especially for socially and economically disadvantaged people. www.lawfoundation.net.au Several members of New South Wales Young Lawyers have been instrumental in getting this book to publication: Chief Editor Mila Cerecina Senior Editors Louise Jardim Viviane Mouait Seranie Gamble Katherine Bennett Updating Rocelle Ago Mathew Alberto Kamal Boutros Joanne Chaina Lillian Chan Dr Tushar Das Philippe Doyle Gray Henry El Hage Bryony Feltham Hilary Goldman Anusha Gonteilleke Maria Guarnieri Jumana Haddad Nancy Housalas Elaine Johnson Edwina Kwan Andrew Lee
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Reviewing Natalie Ballard Liza Booth Philippe Doyle Gray Leah Georgakis Megan Foster Harmers Workplace Lawyers Rebecca Harper Nan Howard Jonathon Hunyor Proofing/Formatting Trudy Hobart Multimedia Languages and Marketing Organisational Assistance Amy ORourke
Shauna Jarrett Larissa Mepstead Kerry Murphy Kian Safaei Jane Sanders Melanie Shea Michael Walton Sarah Yu
Anthony Levin Sarah Loch-Wilkinson Mary Nagle Brynn OBrien Daniel Petrushenko Tom Porter Tiara Relativo Mousumi Sanyal Eloise Schnierer Ellen Tilbury Alanna Van der Veen Greg Walsh Maria Waltz Angela Warton Ben Webster Michael Whitbread Yu Zhang
New Land New Law. A Guide to the Legal System in NSW
Translation Many thanks to Tea Dietterich from Multimedia Languages and Marketing and her team of NAATI accredited translators for their guidance and skill. www.2m.com.au Further thanks to the following members of the Human Rights Committee who assisted with the translation: Pouyan Afshar, Viviane Mouait, Daniel Petrushenko, Kian Safaei, Yu Zhang, Mimi Zou.
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PREFACE
The second edition of New Land, New Law is a project of the NSW Young Lawyers Human Rights Committee and builds upon the first edition that was published in 2003. The committee is a group of young lawyers and law students interested in the area of human rights, who volunteer their time to educate the legal profession and the broader community about these issues and their importance. This handbook has been created to provide new migrants, refugees and visitors with an overview of the law of New South Wales. The handbook is free of charge and is available in English, Farsi, Arabic and Chinese. It is also available on our website at www.younglawyers.com.au. There is free Internet access at public libraries in NSW as well as some community centres. On behalf of the Committee, I sincerely hope that you find this publication a useful resource for finding your way though the legal system in NSW. Louise Jardim Chair, Human Rights Committee NSW Young Lawyers January 2008 Sydney FEEDBACK Do you have any comments or recommendations on how this publication could be improved? Other languages? Topics that should be included? Is it easy to access and easy to understand? We would love to hear from you! Please contact us on (02) 9926 0270 or email at hrc.chair@younglawyers.com.au
1.2 Legal Information Access Centre (LIAC) legal information help at your library
You can visit the Legal Information Access Centre (LIAC) for help with finding legal information: State Library of NSW, Macquarie Street, Sydney Tel: (02) 9273 1558 Email: iac@sl.nsw.gov.au Website: www.liac.sl.nsw.gov.au Ask the staff at the State Library LIAC where you will have access to the Librarys collection of legal resources. All inquiries are confidential no one will be told about your case. You do not have to make an appointment. LIAC staff can also help you to find agencies who offer legal advice and an interpreter if you want one.
New Land New Law. A Guide to the Legal System in NSW 1
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Visit LIACs website at www.liac.sl.nsw.gov.au for information on many topics including immigration, housing, human rights, government and criminal law. You can also visit your local library and ask the staff there about finding legal information.
1.4
Community legal centres can give you free legal advice and information. They may also run legal seminars and programs for people and communities across NSW. If you need legal advice or help and cannot afford to pay for a lawyer, you can call a community legal centre. Interpreters can be available. There are also some special community legal centres that specialise in areas like domestic violence, disability discrimination, consumer credit, immigration advice and HIV/AIDS advice. To find a centre near you or to find a special legal centre contact: National Association of Community Legal Centres Tel: 02 9264 9595 Website: www.naclc.org.au Email: naclc@clc.net.au
1.5
LawAccess NSW is a free government telephone service that provides legal information, advice and referrals for people who have a legal problem in NSW. Tel: TTY: 1300 888 LAW (1300 888 529) 1300 889 529
The LawAccess website is available in a number of languages including: Arabic, Khmer and Somali: www.lawaccess.nsw.gov.au 1.5.1 Law Talks Tel: 1300 888 LAW (1300 888 529) then press 1 for Law Talks. You can ring at any time and listen to taped legal information. There are many topics to choose from including debt, divorce and wills.
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GOVERNMENT AND COURTS IN NSW
2.1
There are three levels of government in Australia:
Government structure
1.7
This is an excellent resource that has detailed information about all the areas of like in this handbook plus many more. It is available at:
the Commonwealth Government, also known as the Australian Government; State and Territory governments; and local government.
most Community Legal Centres; most local libraries; and online at www.rlc.org.au
While Australias structure of Government is modeled on the British system, it has some features of the constitution of the United States of America. Each government, at each level, has a parliament which has power to make statutes. Under the Constitution, the Queen is the head of state and is represented in Australia by the Governor-General. At the State and Territory level, a legislature, executive government and judiciary are responsible for matters that are relevant to the States and Territories. About 730 local government bodies operate in Australia at the city, town, municipal and shire level.
2.2
Court structure
You should call all Judges and Magistrates Your Honour in court. In every Court, the Court Officer is the person who calls the name of the case and helps in the courtroom. If you are unsure of where you should be, this is the person to ask. The court structure in New South Wales is divided into levels.
5.
HIGH COURT
Court of Appeal Court of Criminal Appeal Appeals from most NSW courts
Anything you tell a lawyer is confidential; this means they cannot tell anyone else unless you give them permission. It is possible to have lawyers that speak your language and are the same sex. If you are unhappy with a decision made by a Court you only have 28 days in which to appeal the decision to a higher Court. It is important that you speak to a lawyer or a Chamber Magistrate if you are thinking of appealing a decision.
6.
7.
Civil matters worth $60, 001 - $750, 000 Serious traffic offences Serious criminal matters, usually with a jury
DISTRICT COURT
Simple criminal matters (speeding, stealing etc) without a jury Civil matters worth up to $60, 000 Family law issues and apprehended violence orders
LOCAL COURT
2.
3.
4.
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IMMIGRATION AND CITIZENSHIP
3.1 Introduction
In Australia, the Department of Immigration and Citizenship (DIAC) looks after immigration and visas. DIAC is your main contact for questions about your visa, and its website has a lot of information - www.immi.gov.au Immigration law in Australia can be very complicated. You should get proper help from a lawyer who is also a registered migration agent or from a registered migration agent about your case. In most situations a person is not allowed to give you immigration help unless they are a registered migration agent. All registered migration agents may be found on the Migration Agents Registration Authority website (see below). If you are not an Australian citizen, you can only be in Australia if you have a visa.
3.2.2 Temporary visas These visas allow you to stay in Australia for only a certain amount of time. These can be a business visa, a student visa, visitor visa or a temporary protection (refugee) visa. You might be able to get Medicare benefits on your temporary visa so you should check with the Medicare office. Sometimes if you want to get a permanent visa, you need to get a temporary visa first. Then later if you satisfy certain criteria, you may be granted a permanent visa. Examples: A temporary protection visa allows you to stay in Australia for 3 years. After 3 years you might be able to get another temporary protection visa or a return pending visa or a permanent residence visa. A spouse or independent partner visa allows you to stay or travel in Australia with your spouse or partner. After 2 years if you can prove that the relationship is real and continuing, you are likely to be given a permanent visa. You might get a permanent visa even sooner if you suffer domestic violence, or if your spouse or partner dies before 2 years are over or if you have separated but have children. A bridging visa allows you to stay in Australia if you are already in Australia and are applying for another visa. It allows you to stay in Australia until your visa application is decided. The bridging visa replaces your old visa so be careful to check the conditions on your bridging visa as it may not allow you to work or obtain Medicare benefits.
family migration (spouses, de facto partners, parents, siblings, carers, other relatives); skilled migration (business skills/professionals and other skilled workers/distinguished talent visas); and permanent protection visas.
New Land New Law. A Guide to the Legal System in NSW
might expire or be cancelled. If that happens you will not have a right to stay in Australia. This means the government can detain you or remove you from Australia. You may also have trouble getting a visa in future. If you arrive in Australia on a humanitarian visa, you should contact the On Arrival Accommodation Program or Community Refugee Settlement Scheme to get accommodation and other help. DIAC can provide you with further information on these programs. If you have a permanent residence visa, you can get Medicare and some social security help (most social security payments, including unemployment benefits, will not be available for two years but there are some exceptions). You should apply for a Medicare card for yourself and your family at any Medicare office. You can also visit a Centrelink office for information about what social security help you can get.
If you stand at the counter of a friends shop as a favour while your friend steps out for five minutes, it could count as work. So you should be careful if you are not allowed to work on your visa. Also you have to be careful if you are only allowed to work for a certain number of hours. If you are at work for 10 hours, but you spend 6 hours waiting for work and only really do work for 4 hours, then it will probably still count as 10 hours work. DIAC sometimes checks to make sure you are not working more than you are allowed on your temporary visa. People and organisations can call DIAC to tell them that you are working more than you are allowed. If DIAC finds out that you are working more than you are allowed to then they can cancel your visa and it can be an automatic crime. It is very important to understand the rules of your visa. If you do not understand the rules on your visa, speak to a registered migration agent. 3.4.2 Time limits Temporary visas run out after a certain amount of time or when something happens. It is very important that you know how long you can stay in Australia on your temporary visa. If you stay longer then you become an unlawful non-citizen so it means you can be detained and removed from Australia. You should keep a calendar or diary that you check regularly and write in it the important dates for your visa. Give yourself enough time to be prepared for when your visa runs out. This might mean booking a plane ticket to your home country or applying for a new visa. With most types of permanent visas, you can go overseas on holiday or business and then come back to Australia. This is like a second visa, called Resident Return Visa. On many permanent visas you have to renew this Resident Return Visa every 5 years. So before you go overseas, make sure your Resident Return Visa is not about to run out. If you leave Australia and your Resident Return Visa has run out you cannot come back until you get a new one. This is very difficult and takes a long time.
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If you do not understand the time limits on your visa, go to a local DIAC office where they can explain it, or seek the advice of a registered migration agent.
If DIAC cancelled your visa and there is an error of law in the decision then even if you are not in Australia, you can ask the Federal Court to review your decision. If the MRT or the RRT made an error of law in reviewing the decision, then even if you are not in Australia, you can ask the Federal Court to review your decision. You should speak to a lawyer or a registered migration agent to figure out if you can or should have your decision reviewed, and where.
Depending on your visa there are other reasons that your visa may be cancelled. You should check this with DIAC.
3.6 What if I dont agree with the decision to refuse the visa application or to cancel my visa?
If you are in Australia then you can ask a tribunal (such as the Migration Review Tribunal, the Administrative Appeals Tribunal or the Refugee Review Tribunal) to make the decision. The Tribunal you go to depends on your case and you should get advice before lodging any review application. You have to do this within a set period of time and mostly these times cannot be extended in any circumstances. While the Migration Review Tribunal (MRT) or the Refugee Review Tribunal (RRT) is reviewing your decision you can usually get a bridging visa to stay in Australia. If you are not in Australia and you have an Australian sponsor, they may have a right of lodging a merits review application.
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bridging visa while your decision is being reviewed. Before you can get a bridging visa, DIAC must be satisfied that you will obey the rules of the visa. Usually this will mean you have to pay a large security bond (money) which DIAC can keep if you do not obey the rules of your visa. If you do obey the rules then you will get the money back. If in the past you did not obey your visa rules then DIAC might decide it will not give you a bridging visa even if you can pay a bond.
3.9
Citizenship information
You can become an Australian citizen in many ways, including if you have been in Australia for 4 years and on a permanent residence visa for at least one year. For more information: Department of Immigration and Citizenship (DIAC) Citizen Information Line Tel: 131 880 Website: www.citizenship.gov.au
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4
DISCRIMINATION AND HARRASSMENT
There are Commonwealth and State laws that prohibit discrimination and harassment.
Discrimination can happen in two main ways: Direct discrimination is when someone treats you worse than others because of a personal characteristic such as your sex, ethnic origin, age etc. Example: A real estate agent does not allow you to rent a house or apartment and tells you that it is because he does not trust people of your race. Indirect discrimination is when a condition, requirement or practice that applies to everyone is actually unfair to people of a particular group. This will be unlawful when the condition, requirement or practice is not reasonable. Example: A public building that can only be entered by climbing steps stops people in wheelchairs or who have limited mobility from entering the building. This may be indirect discrimination if it is not reasonable to only have stairs, for example because a ramp could be installed.
4.1
Discrimination
Discrimination happens when a person or group is treated unfairly: because of a particular characteristic; or in a particular area of public life. The characteristics that are covered by Australian discrimination laws include: sex, marital status, pregnancy; sexual preference, transexuality or transgender status; race, colour, descent, nationality, national origin, ethnicity or religion; disability or impairment; age; trade union membership or union or industrial activity; or responsibilities as a carer. It is unlawful to discriminate against you on the basis of these characteristics in areas of public life such as: work; school, TAFE or university; at a shop; in accommodation; or in registered clubs. If you are treated unfairly and believe that you may have been discriminated against, you can complain to special State and Federal agencies.
To get more information, contact one of the organisations listed in this chapter. 4.1.1 Disability discrimination Disability discrimination is when you are treated less fairly than people without a disability because: you have a disability currently; you had a disability in the past ; you will have a disability in the future; and/or someone thinks you have a disability.
The types of disabilities that are covered by the law are: physical or intellectual disabilities; learning disabilities; or having a disease such as HIV/AIDS.
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Disability discrimination also happens when you are treated less fairly because you are a relative, friend, carer or co-worker of a person with a disability. It is also unlawful to discriminate against a person because they are accompanied by an assistance animal that is trained to help them with their disability. Example: If a taxi driver does not let a blind person into their taxi because they have a guide dog. 4.1.2 Sexual harassment Sexual harassment is also against the law in a range of areas of public life such as at work. Sexual harassment is when: there is unwelcome sexual behaviour; and it is reasonable for you to be offended, humiliated or intimidated by that behaviour. Unwelcome sexual behaviour may include: pressure or demands for dates or sexual acts; unwanted physical contact; sexual jokes or innuendo; offensive telephone calls; offensive sexual gestures; and/or unwelcome comments or questions about sex. Example: In a workplace, it is harassment if your boss or co-worker makes comments about your body and tells you that you should wear tighter clothing. 4.1.3 Vilification Vilification is when a person does something in public to: encourage others to hate people belonging to a particular group; humiliate people because they belong to a particular group; or threaten or intimidate people because they belong to a particular group.
18 New Land New Law. A Guide to the Legal System in NSW
These acts may be against the law when they are done towards people who: are homosexual or transgender; have HIV/AIDS; or are of a certain race.
Example: If a person hands out flyers or makes a speech saying that people of a certain race are less intelligent and should not be allowed in Australia, that may be racial vilification. There are exemptions to racial vilification laws that apply in some cases to allow for freedom of speech, provided that the act is done reasonably and in good faith. 4.1.4 Victimisation have complained or are going to complain about discrimination; have helped someone complain about discrimination; or provided some information or evidence about a complaint of discrimination.
Example: You support your co-worker when she complains to your boss that she is being sexually harassed and because of this you are fired.
4.2
If you are being discriminated against or vilified, you should not ignore it. There are different ways of handling the problem. For example, if the discrimination or harassment is happening at work, you can ask the person to stop. Check to see if your employer has a system to deal with harassment. If they do, there should be someone who can help you deal with these issues. If not, perhaps you can talk to your supervisor and ask for their help in telling the person harassing you that their behaviour is not right. (See Chapter 15: Employment problems.)
New Land New Law. A Guide to the Legal System in NSW 19
If someone at work is harassing you, there may be someone senior in your workplace who can help. If you are a member of a union, you can contact the union and tell them what has happened to you. Also you can contact special organisations depending on where you work, for example if you are a teacher you can complain to the Department of Education, if you work in a hotel you can contact the Australian Hotels Association. If you are afraid for your safety, you should contact the police. 4.2.1 Making a legal complaint If you want to make a legal complaint you should speak to a lawyer so they can help you. You may be able to get free legal advice from Legal Aid or a Community Legal Centre. (See Chapter 1: Lawyers and legal services.) There are time limits for bringing legal action (usually 12 months for discrimination complaints). If your time has run out you might still be able to complain if you have a good reason for why it is late. You must lodge your complaint with either the Anti-Discrimination Board of New South Wales (ADB) or the Human Rights and Equal Opportunity Commission (HREOC) - see details below. Those organisations can provide information to help you with a discrimination problem. You cannot complain to both the ADB and HREOC about the same matter. You should contact them to discuss which one is best to deal with your problem, or discuss this with a lawyer. The ADB and HREOC will investigate your complaint and try to resolve it by conciliation. If your case cannot be resolved by conciliation, you can take your case to court.
Here are the contact details: Anti-Discrimination Board of New South Wales (ADB) Tel: (02) 9268 5555 or 1800 670 812 TTY: (02) 9268 5522 Website: www.lawlink.nsw.gov.au/adb Human Rights and Equal Opportunity Commission (HREOC) Tel: 1300 656 419 or (02) 9284 9600 TTY: 1800 620 241 Email: complaintsinfo@humanrights.gov.au Website: www.humanrights.gov.au Some further excellent online information may be found here: Legal Aid Discrimination Toolkit www.legalaid.nsw.gov.au/data/portal/00000005/ public/41648001175059224281.pdf NSW Disability Discrimination Legal Centre Website: www.ddlcnsw.org.au
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PRIVACY
Government agencies and private organisations have to protect your privacy when they deal with your personal information. The types of organisations that may have personal information about you include banks, health service providers and other businesses. These organisations must tell you: why they want to collect your personal information; how they are going to use it; who they are going to give it to; and how you can get access to the information they hold about you and how to correct it if you think it is wrong.
6
TENANCY
6.1 Introduction
There are many different types of housing that you can live in as a tenant. A tenant is a person who pays to live in a property owned by another person, called a landlord. The most important thing is to choose housing that you can afford. You may chose to rent a house or an apartment for you and your family to live in. You may decide to live with a group of people who share the costs of rent. You may need to apply for public housing. Public housing is provided by the State and is not very expensive. This involves getting your name on a list. It usually takes a long time to get public housing. Whatever type of accommodation you choose, unless you buy a house or apartment, you have certain rights as a tenant and responsibilities to your landlord. The Renting Guide is a very useful booklet written by the Department of Fair Trading. This Guide will be given to you when you rent a place to live. The Renting Guide is written in several languages. You can call the Department of Fair Trading for more information. The details are: Department of Fair Trading Tel: (02) 9895 0111 Website: www.fairtrading.nsw.gov.au
They must also protect your personal information by keeping it secure. It is against the law for a government agency or an organisation to collect your personal information in a way that is unlawful. It is against the law to lie to you or trick you to give your personal information. If you think that an ACT or Federal government agency or an organisation has not respected your right to privacy you should contact the Office of the Privacy Commissioner: Tel: 1300 363 992 TTY: 1800 620 241 Email: privacy@privacy.gov.au Website: www.privacy.gov.au If you think that a NSW government agency or organisation that handles your health information has not respected your privacy, you should contact Privacy NSW: Tel: Email: Website:
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There may be set times when you can view the property, or sometimes you can talk to the real estate agent or landlord and try to arrange another inspection time. If you are applying to move into a share house, you will probably need to arrange an interview to meet the other people living in the house.
if you want to leave the property before the rental term is finished? Do you have to clean the carpets, can you have extra persons living in the property? The special conditions are usually on a separate page attached to the back of the agreement. 6.4.3 Bond A bond is a security deposit in case you stop paying rent, leave the premises early or damage the property. What bond do you have to pay? If the premises are not furnished, the maximum you can be asked to pay is 4 weeks rent. If the premises are furnished there is no limit to how much bond you have to pay. However, if the rent is less than $250 per week, the bond can be no more than 6 weeks rent. The landlord must give the rental bond money to the Rental Bond Board, a government organisation. It is an offence for the landlord or agent not to do this. You will be sent a receipt and reference number by the Bond Board which you should keep so that you can get your bond back. There are rules on when and how much a landlord can claim. Contact the Department of Fair Trading. 6.4.4 Rent in advance Real estate agents normally make you pay rent in advance. If your rent is less than $300 each week you may have to pay up to 2 weeks rent in advance. If your rent is over $300 per week you may have to pay up to 4 weeks rent in advance. 6.4.5 Paying rent Make sure you check how often you have to pay rent. Is it every week, every fortnight or once a month? Also check how you have to pay rent. Many landlords and real estate agents want you to pay directly into a bank account, over the phone or at a post office. Make sure you understand how this works and that you are able to pay this way. For example if you have to pay at the post office, can you get to a post office during the day? Make sure you get a receipt for all the money you pay to the landlord or real estate agent. Keep your receipts as they may help you if there is an argument about how much rent you have paid.
6.3
If you find a property that you want to rent through a real estate agent you will have to complete an application form. You may have to provide the following details on the form: personal details such as age and previous address; details about how much you earn; and/or references from people you know or from previous landlords; and rental history. Once you have completed the application it may take a week before the landlord decides whether you are able to rent the property. The real estate agent or landlord is not allowed to discriminate against you because of things such as your race, gender, age or even unemployment. See Chapter 4 for more information about what you can do if you think you are being discriminated against by a real estate agent.
6.4
You and the landlord must sign a Residential Tenancy Agreement. This is a legal contract. It is very important that you understand the terms of the agreement before you sign it. In particular you should check the following: 6.4.1 The length of the agreement You should check how long the lease goes for. Will you be renting for 6 months, 12 months or longer? The amount of rent you pay cannot be changed during this term. 6.4.2 Special conditions Check if there are any special conditions attached to the agreement, for example are you allowed to have pets or do you have to pay for advertising
24 New Land New Law. A Guide to the Legal System in NSW
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6.5
Guarantor
A guarantor is a person, usually a family member or a friend, who agrees to pay debts that you cannot pay. It is now illegal for a real estate agent or a landlord to ask you to provide a guarantor, for example to meet rental payments if you cannot pay. It is also illegal for the real estate agent or landlord to ask for money to give you the keys for the property, unless it is agreed that the money will be given back to you when you hand the keys back at the end of the tenancy.
If your landlord has broken the agreement then you have a right to apply to the Residential Tenancies Tribunal. It is important that you do not stop paying your rent. You can also get information and advice on your rights as a tenant from the Tenants Union. The details are: Tenants Union of NSW Tel: (02) 9251 6590 (free information service) Website: www.tenants.org.au. This website has fact sheets about renting, some of which have been translated.
6.6
Condition report
Once you move into the new property your real estate agent or landlord must give you a condition report to fill out. You should fill out the condition report very carefully. It is a record of how the property looked when you moved in. The report is for your protection. If there is something wrong with the property when you move in and you write it on the condition report you will not have to pay for it when you leave because it will be clear that it was damaged before you got there. You should write on the report if anything does not work. You should also write down if there are marks on the walls or carpets. You need to return the condition report to your real estate agent or landlord within 7 days. The agent or landlord should also complete the condition report to show that you have agreed on the condition of the premises. You should be given a copy of the final report and you should keep this.
6.8
Your responsibilities to your landlord are also set out in The Renting Guide. You have to: pay rent on time; look after the property and not damage it; make any additions to the property; not interfere with the peace or privacy of your neighbours; leave the premises in the same condition as when you moved in and obey any other special conditions that were attached to your lease agreement.
6.7
6.9
Your rights as a tenant are set out in The Renting Guide. Some of your rights include: you must be given rent receipts; the property must be clean when you move in; you have exclusive use of the property, this means your landlord or real estate agent need to warn you before entering the property. There are limits on how many times a landlord may ask to enter the property; and your landlord must fix the property when needed.
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If your lease lasts for a fixed time, such as 12 months, then either you can tell your landlord that you want to end the lease and your landlord can do the same. If this is done then the agreement will end 14 days late. When the fixed time of your tenancy is over, your landlord may want you to sign another lease. If you do not, or are not asked to sign another lease, then the lease continues. If you want to end the lease you have to let the landlod know at least 21 days before. If your landlord asks you to leave after the fixed term has ended, then they have to let you know at least 60 days in advance.
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If the landlord wants to sell the property, after the lease has ended, they only need to give you 30 days notice. If the landlord decides to sell the property before the lease ends, he or she cannot ask you to move. 6.9.1 Getting your bond back At the end of your tenancy the landlord will inspect the property. It is a good idea to clean the property very well before this inspection. The landlord cannot take money from you for general wear and tear, which is the type of damage, which would be expected from living in the property. If they believe there is any damage caused by you then they may claim some of the bond to fix it. If you disagree with your landlord about how much bond they can keep, you should contact the Department of Fair Trading. If your landlord does not want to keep any of your bond, you need to get your landlord to sign the bond claim form (they will give this to you). You should give the form to the Rental Bond Board to have your bond refunded. You can fill in the form and send it to the Rental Bond Board without getting the agent or landlord to sign first. You can send the form in any time after you have given notice that you want to leave. If the landlord does not make a claim on the bond within 14 days from the date which you sent the claim form in you will get a full refund of your bond. Rental Bond Board Tel: (02) 9377 9000 or 1800 422 021
It can be expensive to break a lease agreement before the end of the fixed term. You may have to pay the following costs: rent until new tenants move in or until the end of your lease; an agents fee; and/or advertising costs.
Tribunal orders are like court orders. If the Tribunal orders the landlord to pay you money and they do not, you can go to the local court to make the landlord pay you. If the Tribunal orders you to pay money and you do not pay, you may get a $5,000 fine, 12 months prison or both. You can also be fined if the Tribunal thinks you have brought a claim only to annoy your landlord or if the problem is not serious.
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the amount of the weekly rent; the amount you have to pay as a bond; if you have to pay rent in advance; if you have to pay extra money for telephone, electricity and water bills; and if you have to pay extra money for things like food or cleaning products.
by the Residential Tenancy Act, but the community housing association may have special rules about how much rent you pay or how the tenancy can be ended. For more information about community housing you can contact the NSW Federation of Housing Associations: Tel: (02) 9281-7144 Website: www.communityhousing.org.au/nswfha/ 6.13.4 Charity groups There are also various charity groups who offer temporary accommodation to people who are and/or are in danger of being homeless, such as the Salvation Army, Mission Australia, Wesley Mission and St Vincent de Paul Society. 6.13.5 Buying or building you own home If you plan to buy or build your own home, you should get advice from a bank about what you can afford, a lawyer about the building contract or contract for sale and an accountant about paying tax.
If you are asked to sign a Residential Tenancy Agreement in a share house it means you are a co-tenant and must have the responsibilities of a tenant explained above. If you are not asked to sign a lease you are a sub-tenant. You still have the same rights as other tenants if you are a sub-tenant. 6.13.2 Public housing Public housing is owned by the government and is rented to people on low incomes. You need to be an Australian citizen or approved person to apply for public housing. To apply you should fill out an Application for Housing Assistance available at your local Department of Housing office. You may have to wait several years before a house is available for you. If you need accommodation urgently, you can complete an Immediate Housing Assistance form. To find the closest Department of Housing office, or for more information, contact the Department of Housing: Tel: Website: 131 571 (available 24 hours, 7 days a week) www.housing.nsw.gov.au
6.13.3 Community housing Community houses are provided for people on low incomes who need secure housing. There are around 50 community housing associations in New South Wales. If you live in community housing you are still covered
The Union may help you if you are having problems with a house that you are renting. You may be having problems with the quality or repair of the house, or if you are having problems with your landlord being unfair or acting illegally. You can use their website to find a Tenancy Advice Service in your local area.
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7
TRAFFIC OFFENCES
7.1 Serious offences
The Local Court or District Court deals with serious offences. Serious offences include: causing death or serious injury due to dangerous driving; driving dangerously or too fast; driving while with more than the allowed amount of alcohol in your system; driving while affected by other drugs.
NRMA Member Legal Service Tel: 1800 427 426 or 8741 6280 Website: www.mynrma.com.au
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8
POLICE POWERS
8.1 Introduction
Police in Australia have a wide range of powers, including powers to stop, search, question and arrest people. This chapter will give you information about the most common police powers in New South Wales only. Most police powers are not arbitrary and must be based on reasonable suspicion. This means that the police must honestly hold a belief at the time that you have done something wrong, this is different in each case but has been defined by the courts as more than a suspicion. For more free information and advice you should contact these services: Legal Aid Hotline for Under-18s Legal Aid Commission Community Legal Centres Law Access
It is a good idea to be polite and helpful with police at all times. However, you should not answer police questions or sign statements until you get legal advice.
8.3
If police suspect on reasonable grounds that you are carrying an illegal drug, stolen property, a knife or dangerous implement, or something you are about to use to commit an offence, then the police can search you without arresting you. The police can also search you if you agree, if you have been arrested or are in police custody.
8.4
Sniffer dogs
Police are allowed to use sniffer dogs to detect illegal drugs. Police can use sniffer dogs in places such as on public transport, at or outside clubs, a concert or a dance party and sometimes in other places. When using sniffer dogs the police must keep the dog or dogs under control and try to stop them from touching you. If a sniffer dog detects a scent of illegal drugs on you the police will then have the power to search you for those drugs.
8.2
Questioning by police
If you are questioned by police you have the right to stay silent and you do not have to answer any questions. If you choose to answer police questions anything you say can be taped and/or written down and can be used against you in Court. The police must arrange an interpreter in your own language if you ask for one. Police have powers to ask you to identify yourself in some cases, such as if you are at a scene of a crime and police believe you may have information that may help them, or if you are under 18 and are suspected of having alcohol on you. It is usually a good idea to give the police your name and address or show them identification. If you are under 18, there must be a responsible adult with you whilst the police question you otherwise anything you say may not be able to be used against you in court.
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In some limited circumstances the police may give you a strip search, where they ask you to remove parts of your clothes. The police must first tell you why it is being done and take you to a private place. The police must not do a search of your body by touch or search any body cavities. This type of search must be done by a police officer or other person who is the same sex as you.
8.8 Arrest
The police have the power to arrest you if they believe that you have committed an offence and they have no other options available such as giving you a fine or a warning. The police are not allowed to arrest you simply to question you, they must intend to start criminal proceedings against you. Being under arrest means that you are in police custody and you are not free to leave if you wanted to. The police must identify themselves; tell you that you are under arrest and why you are being arrested. If you are not sure then you then you should ask the police. You do not have to go anywhere with police unless you are under arrest. If the police are acting within their power it is against the law to try and stop them from arresting you or someone else, even if you think no crime has been committed.
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quarantine you if you might have been exposed to dangerous chemicals; and remove you and your car from a dangerous area.
When using any of these powers, the police officer must show you evidence that they are a police officer (unless they are in uniform) and tell you their name and station. The officer also must tell you the reason they are exercising the power. It is an offence to try and stop the police from exercising any of these powers. If you do not co-operate, they can arrest you and/or use necessary force to do what they need to do.
The police have special powers to deal with terrorism. In some cases the police can demand that you give them your name and address and provide identification documents; search you, your car, or your home without a warrant; keep anything they have a good reason to think might be used to commit a terrorist act, or might provide evidence of a serious offence;
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9
CRIMINAL LAW
9.1 Courts
The Local Court has the power to hear all small offences; this includes traffic matters and offences like assault and stealing. The maximum penalty the Local Court can give you is two years in prison for one offence and up to five years for more than one. The court can only give you a fine up to $10,000. More serious cases such as robberies will be heard in the District Court. Even more serious cases will be heard in the Supreme Court, such as murder and some sexual offences. The Childrens Court will hear all offences committed by people under the age of 18. Crimes that carry a penalty of 25 years or more, such as murder, manslaughter, robberies with guns or causing serious injuries and certain sexual offences, will be heard in another court. The Childrens Court is also not able to hear driving offences for young people old enough to have a licence (usually 16) unless they are charged with another crime as well. You have the right to contact a lawyer, an interpreter if you need one and/ or a relative/friend.
When deciding whether to give you bail, the police officer has to look at factors such as: whether you will appear at court; whether you will continue to break the law; the protection of any victims: and your interests.
The more serious the offence the less chance you have of getting bail by the police. The less serious the offence the more chance you have of getting bail. The police can look at any other times you have been in trouble when deciding whether or not to give you bail. 9.2.2 Court Bail If you are not granted bail by the police, the police must take you as soon as possible to a court so that the court can decide whether to give you bail. In most cases, you will be taken to court the next day. At the court, you will be able to ask for bail. You have a right to be represented by a lawyer from the Legal Aid Commission if you are in custody or if you are a child.
9.2 Bail
Bail may be granted by the police or the courts. If you are granted bail, you do not have to remain in prison until your case goes to court. 9.2.1 Police Bail If you have been charged with a criminal offence you can be given bail at the police station. You have a right to contact a lawyer or another person, who may help you in getting bail. To get bail, you may have to pay some money, have someone collect you or make promises to the police.
If you enter a plea of guilty, the Court will convict you and then give you a penalty.
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If you enter a plea of not guilty, then there will be a trial and it will be at a later date to give you time to prepare your case. The police must usually give you their evidence within 4 weeks. Then you will have about 2 weeks to look at the evidence and get legal advice before you go back to Court. When you go back to Court, the Magistrate will want to know if you still want to plead not guilty. If you plead guilty, the Court will convict you and give you a penalty. If you still plead not guilty, the Court will ask the police and you how many witnesses you will have and how long you estimate the hearing will take. The Court will then give you a day to come back and have your hearing. On the day of the hearing, the Court will have a few matters to deal with so it will usually check with each group of people whether or not they are ready to go and then give you a time for your matter. At a hearing, you are presumed to be innocent until and unless you are proven to be guilty. When your hearing starts, the police give their evidence first. You are allowed to cross-examine the police witnesses. After the police have given their evidence, you and your witnesses give your evidence and the police are allowed to cross examine you and your witnesses. Once all the evidence is given, both you and the police summarise what you want the Court to accept and what you want the Court to do. The Magistrate then gives a judgment. If you are found guilty, the Magistrate will convict you and give you a penalty. If you are found not guilty, your matter will be dismissed.
about your family circumstances; about your work commitments and/or your education and training; and your financial circumstances.
You should be ready to tell the Court these things. If you think you might get nervous and forget, you should write these things down and take that information with you to Court. If you want you can give the information in writing to the Magistrate or Judge. 9.5.1 Penalties other than prison Dismissal and conditional discharge Here, the court has found you guilty, but dismisses the charge. They can also do this with conditions such as a good behaviour bond. This means that you have to promise the court that you will behave well for an agreed period of time. This is the only sentencing option where a conviction is not put on your record. Fines The magistrate may order you to pay a fine. In deciding the amount of the fine, the court will consider your finances. This means it is important to tell the court what your income is, and also what your expenses are. A fine must usually be paid in 28 days. However, you can ask the court for more time to pay if you need it. Bonds A bond is a promise that can be broken by committing another offence or by not meeting with the conditions ordered by the court. The most common are conditions of bonds are to attend counselling, rehabilitation services or other courses. Bonds cannot go for more than five years. Deferred sentence A Magistrate may decide not to sentence you until you have completed a course or rehabilitation. If you complete the course or rehabilitation you may receive a smaller sentence. Community service orders The court can order you to complete up to 500 hours of community service instead of sentencing you to prison. If you have a drug problem or have
9.4
The District Court and the Supreme Court procedure is similar, but it will be decided by a Judge and sometimes there will be a jury. It may be the police or the Director of Public Prosecutions that runs the case against you.
9.5
Possible Penalties
Once you are found guilty and convicted, a court in NSW can give you different penalties. The Court needs to know certain information when it is giving you a penalty. The Court always needs to know:
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shown that you are not reliable, you will not be able to get a Community Service Order. If you do not complete the hours given, you can be brought before the court and sentenced again for the original crime. 9.5.2 Prison Suspended sentences The court can impose a sentence in prison, but allow you to serve this sentence out of prison if you enter into a good behaviour bond. You are more likely to have your prison term suspended if the court thinks that you may be rehabilitated. If you breach the bond by breaking the law again or by not meeting by the conditions imposed in your bond, you may have to serve the time in prison. Periodic detention If you get a sentence of less than three years, the court may allow you to serve the sentence only part of the time. This may mean going to prison only on weekends. If you breach this sentence you will be arrested and will remain in prison until your case is decided. You may be given another chance or you may have to serve the sentence in prison full time or at home. Prison Prison terms are considered a last resort and will be given for serious offences or after most other options have failed. Home detention The court can consider if you are able to serve home detention once you have been sentenced to full time imprisonment. It takes about three weeks to make a decision on a home detention sentence. Home detention includes telephone checks and visits to make sure you are at home when you are meant to be. You may also be tested to see if you have been drinking alcohol or taking illegal drugs.
9.8 Convictions
If you are an adult, a conviction will be recorded after a finding of guilt unless your charges have been dismissed. A child under 16 cannot be convicted and therefore cannot have a criminal record. If a child is aged 16 to 18 the magistrate has a choice whether or not to record a conviction. Generally magistrates in the Childrens Court will not record a conviction for minor or first offences. The general public cannot watch the proceedings in the Childrens Court. Convictions can affect visa status and it is not uncommon for people to be deported once they have served their sentences. Convictions for certain matters, particularly drug matters, can affect entry into certain countries.
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10
TORTS
10.1 Introduction
A tort is a wrong done by one person to another person, or to another persons things or land. The law allows, in some circumstances, the injured person to bring a case against the person who has caused the injury in a civil court. Under Australian law, a civil court may order a person to pay money to an injured person as compensation for the injury caused by the tort. A person includes a company in tort law. A person can commit a tort without intending to or without knowing they are harming another person. Sometimes torts are also crimes. If a tort is also a crime, it may be dealt with in the criminal courts as well as the civil courts. In the criminal courts, the person who committed the crime may be punished. This is different to civil courts where a person may only be ordered to pay money to the injured person.
lawyers and accountants have a duty of care to their clients; users of the road have a duty of care to each other; and people living in a house or apartment have a duty of care to people who visit those buildings.
A person may breach their duty of care to you if: 1. they do not use reasonable care in the way that they deal with you; and 2. you suffer harm as a result of the breach of the duty of care. Example: if you see a doctor and the doctor does not find out what is wrong with you because they did not use reasonable care and you suffer harm then the doctor has breached the duty of care they owed to you. (See Chapter 11: Civil liability). You can recover money if you are hurt in this way. This is called compensation. You must show that: 1. you have suffered harm; 2. the person who caused the harm had a duty of care towards you; 3. the person who caused the harm did not take reasonable care - the court will look at what an average person would have done; and 4. the harm you suffered must have happened because the other person breached their duty of care. You must show that you took reasonable care for your own safety. If you did not, then the court might find that you were partly responsible for the harm done to you. If you were partly responsible, then the court may reduce the amount of money awarded to you to take into account your own carelessness or negligence. Example: if the court thinks that you caused half of your own injury, the court will decide that you should only receive half the amount that the injury is worth.
10.2 Negligence
In Australian law, every person must use reasonable care (or sufficient care) not to harm another person. This is known as a duty of care. Everyone has to obey this duty. If they breach this duty of care then they are negligent. If someone breaches their duty of care and it harms you, then you may be able to sue them. A court may decide that the person was careless or negligent. Examples of when there is a duty of care: employers have a duty of care to their employees; doctors have a duty of care to their patients;
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mental injury loss of money If someone sues you for negligence you should let your insurer know or see a lawyer quickly. Examples of types of insurers are your CTP insurer, public liability insurer and professional indemnity insurer. You may have duties to your insurer under your policy of insurance, for example you might not be allowed to admit liability to another person in a car accident because that is a decision for your CTP insurer to make.
10.4 Compensation
If a court decides that a person is negligent towards you, that person or usually their insurer may have to pay compensation to you. This sum of money paid in compensation is known as damages. The amount of money you can get will vary because the court will choose an amount that tries to put you back in the same position as you were before you suffered the harm. If your injury is physical or mental you might get money for: medical expenses (for the past and future); loss of wages up to the time of the court hearing; any future loss of wages (for example if you cannot work anymore); and/or some other kinds of loss such as your pain and suffering. There is a limit to the amount of money you can receive and it may not be exactly the amount that the injury costs you. If your property is lost or damaged you might get an amount of money to repair or replace the property.
You are usually allowed 3 years from the date of the harm to make a claim for compensation. A lawyer can help you work out the timing. It can sometimes be difficult to figure out exactly when the harm happened, for example it may take a while for an injury to be noticed. This might mean that your 3 years has already run out. If this has happened, you should speak to a lawyer. You might still be able to make a claim if you have a good reason for why you did not make your claim on time.
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If another person damages your land you may be able to get compensation. If another person uses your land or part of it but does not damage it, you may only be able to get a small amount of compensation.
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11
CIVIL LIABILITY
11.1 Public liability
If you are injured in a public place then you might be able to sue the person that owns or manages the public place. To make a claim, you need to show that: you have suffered an injury due to the fault of another person; and prove that the person owed you a duty of care; and that the person was negligent.
You will need to show: that the person owed your relative a duty of care, and that the person was negligent.
You also need to show that you are financially dependent on that relative. Only close relatives can make a claim. A close relative is a: wife/husband; de facto partner; brother/sister; half sister/half brother; parent; child.
A close relative can only make one claim for a persons death. If there is more than one relative who wishes to make a claim for that persons death, then they will all need to make their claim together. This is different if there is more than one dependent spouse (each spouse can make their claim separately). If you are successful in your claim, you can recover: any money that the deceased relative would have provided to you if he or she were still alive; any services that your deceased relative would have provided to you if he or she was still alive (such as services provided by a parent to a child); any income that your deceased relative lost before they died; funeral expenses; or hospital and medical expenses.
This means that you can sue that person for money to make up for the damage or loss caused to you. This is called compensation. You can get compensation for: pain and suffering; loss of past or future earnings; cost of any care provided to you; or interest on the compensation (which you may receive).
The Court may choose to reduce your compensation if it considers that you caused your own injury in any way. If you have been injured outside your workplace after 2002, then you may be able to make a public liability claim.
The Court may choose to reduce any compensation to a relative if it considers that the deceased person caused his or her own death in any way.
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12
VICTIMS COMPENSATION
12.1 Are you a victim of violence?
You are a victim if you have a serious injury because of someones violence. If the violence happened in another state, you should contact Victims Services in that state. This chapter is useful if you live in NSW.
then you may be entitled to receive money to make up for the damage or loss caused to you. This is called compensation. You can receive compensation for: medical and treatment expenses; loss of income; pain and suffering; or help you need around the home.
Victims Services You can apply to Victims Services to spend 2 hours with a counsellor. A counsellor is trained to help you deal with what has happened to you. If you feel you need more time with a counsellor after 2 hours, you can apply for more time. You can apply to the Victims Compensation Tribunal (through Victims Services) for compensation, which is money to help you with your injuries. Tel: TTY: Email: Website: 02 9374 3111 02 9374 3175 vct@agd.nsw.gov.au www.lawlink.nsw.gov.au/vs
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24 hour Victim Support Line (7 days a week) Tel: 02 9374 3000 or 1800 633 063 TTY: 02 9374 3175
You are a direct family member of someone who has been killed (a family victim). You cannot apply for compensation where: the act of violence did not happen in NSW; you cannot prove that an act of violence happened; the injury is not on the Schedule of Injuries (see below); the crime is against property, for example, vandalism; the injuries were caused by a motor vehicle; you were injured while doing a crime; or the violence happened when you were in prison.
You can only get compensation if your injury is serious enough. The minimum claim you can make to the Tribunal is $7,500. If your combined injuries are not worth at least $7,500, you cannot make a claim for compensation.
You can also be hurt if you see an act of violence against another person (a secondary victim). You are the parent or guardian of a primary victim of violence who was under the age of 18 years at the time (a secondary victim).
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12.6.2 Psychological or psychiatric disorders caused by an act of violence The illness must be long lasting and you must be moderately or severely disabled because of it. It must affect your day to day functions in a serious way. An Authorised Report Writer will assess you and write a report on your condition. You will not have to pay for this assessment. 12.6.3 Sexual assault This includes both physical injuries and/or psychological or psychiatric illness from a sexual assault crime. This category includes someone being indecent towards a child and other serious sexual crimes. 12.6.4 Domestic violence These are injuries that come from acts of violence against you by your husband, wife, partner, a relative, or someone who lives with you. 12.6.5 Burns and scarring The burns and scarring must be permanent. You should take photos of these injuries to send in.
12.7.3 Other losses and expenses You can make a claim for things you wore or carried at the time of the act of violence that were destroyed, damaged or lost. You should try to provide receipts for these, if you have them, and find out how much it would cost to buy the item now (to include in your claim). To make a claim for these things, you must be the primary victim. The maximum you can claim is $1,000.
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If the crime was not reported to police, you will need to explain why it was not reported. You do not have to go to the police to claim compensation, but your claim will be easier to prove if you do; If you went to court because of the crime, you will have to give details about the court case; A list of your injuries. You will have to name your injuries using the same names that are used in the Schedule of Injuries. You will have to get a medical report that identifies your injuries as set out in the Schedule of Injuries; If you have suffered psychological or psychiatric disorders because of the act of violence, you will need to get a report from an Authorised Report Writer (ARW). The ARW cannot be the same person who is counselling you. For a list of ARWs see the Victims Services website listed above; If you are making a claim for burns or scarring, you will need to include photographs of the injuries. Write the date the photos were taken on the back of each photograph.
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13
APPREHENDED VIOLENCE ORDERS (AVOs)
13.1 Introduction
An AVO or apprehended violence order is an order made by a court to protect someone. If you have experienced violence, threats, harassment or are concerned for your safety you can apply for an AVO to protect you. An AVO can prevent a person from doing certain things, for instance, it can prevent a person from assaulting you, stalking you, damaging your property or entering your home or workplace. An AVO is not a criminal charge. If you have an AVO against you, it does not mean you have done anything wrong. However, a person can be charged with a crime if they do not obey the orders in an AVO.
2.
If you cannot get to your local court, you can arrange an appointment over the telephone with the Chamber Magistrate.
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The AVO application is known as a complaint. On the AVO you will be referred to as the protected person or the person in need of protection (PINOP). You may also sometimes be called the complainant. The other person will be referred to as the defendant. In the paperwork there will be details of the things you say the defendant is doing to you. These are sometimes called the particulars or the complaint. These are your reasons for requesting an AVO. The Chamber Magistrate or police officer who helps you with your application will write out your complaint. There will also be a notice, called a summons, which tells the defendant to go to court on a certain date. Attached to the complaint and summons will be the orders you are asking the court for.
An AVO does not have to stop you from seeing or talking to a person. You can ask for an AVO against a person you still see, live with, work with or are related to, and the AVO can still protect you from being harmed.
13.5 Service
The police or the Clerk of the Court must serve the AVO, interim AVO or TIO on the defendant. This means they have to give them a copy. The police or court arrange for this to happen. You do not need to give the AVO yourself. Until the defendant is served, the AVO, interim AVO or TIO is not effective.
You can ask for an AVO against any person who makes you worry about your safety because of violence, threats or harassment to yourself or: your husband, wife or partner; your children; your parents;
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2. AVOs made by consent and without admission If you and the defendant both agree to the AVO being made, a court will then make a final AVO order. The defendant will not have to admit to any complaints you made against them and there will be no need for a court hearing. 3. Show cause hearing If the defendant does not consent to the making of an AVO, you will have to attend a court hearing. You will need to appear before a Magistrate and explain why you need an AVO. It is helpful if you can bring witnesses to support your case. Just because you are scared of someone does not always mean your application will be successful. You need to show the court how the defendant is likely to harm you in the future. It can help to have evidence of how the defendant has harmed or frightened you in the recent past. You may be cross examined by the defendants lawyer at the hearing. The Magistrate who hears your application may also ask some questions. After hearing both sides of the case, the Magistrate will decide whether or not to grant you the AVO.
Sometimes you may have to go to court the very next day. If you do not go to court, the AVO may be ordered against you. It is usually best to talk to a lawyer when you are given a summons. They can give you advice about what to do. Many lawyers give free advice at the first appointment. If you have trouble finding a lawyer before going to court, you can ask the court for an adjournment to give you time to see one or talk to a Legal Aid Lawyer at the court for free. The court will normally give you one or two weeks before you come back to court again. If you have been served with an AVO it does not mean that you have been charged with a criminal offence. An AVO is only a complaint against you. However, the AVO may put restrictions on things you can or cannot do. You must make sure that you obey the restrictions made in the AVO otherwise you could be charged with a criminal offence. The maximum penalty for disobeying an AVO is 2 years imprisonment and/or a fine of $5,500. If you commit a violent crime against someone protected by the AVO, the court must send you to gaol unless there are good reasons not to. If you think the AVO is unfair or untrue, you will have the chance to say so in court. You should get legal advice before agreeing to an undertaking or an AVO application. This is because: if you are the holder of a firearm and an AVO is made against you then your firearm licence is automatically taken away from you; or if you are working with children or intend to work with children and have an AVO made against you, you might be required to tell an employer before they can give you a job.
If you decide you want to go to a court hearing then it is best you are represented by a lawyer.
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14
FAMILY LAW
14.1 Getting a divorce
If your marriage is not working out, you should consider counselling. If this does not help, you can get a divorce. You need to apply to the Federal Magistrates Court for a divorce. You can apply if: one of you lives in Australia; your marriage has broken down and you will not get back together; and you have been separated for 12 months (you can be separated even though you are still living in the same house).
There is no need to prove that a divorce is anyones fault. After a divorce you will have to decide what to do your property and children. If you cannot agree about: how your property will be divided; where the children will live; or when the children will see the parent that they are not living with.
and you want a Court to decide for you, then you have to make a separate application to the Court for these issues. 14.1.1 De facto relationships If you did not get married, but lived with your partner for 2 years or have a child with them, they are your de facto spouse. People who are in same sex relationships may fall under the definition of a de facto couple. If you are in a de facto relationship, divorce is not relevant to you as you
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are not married. But you might separate and need to decide what to do about your children and property. You can also go to Court for this.
money in banks or in cash superannuation shares in a business shares in a public company jewellery
14.2 Solving arguments about property and children without going to Court
Before a Judge or a Magistrate hears a family law dispute, the Court will ask you to try to make an agreement with your spouse. The Court will tell you about places you can go for counselling and mediation. If you ask, the Court may arrange a mediation session at the Court too. If you and your ex partner can reach an agreement, you can arrange for that agreement to be put into writing and give it to the Court for approval. That agreement, once approved by the Court, is binding and becomes known as a Consent Order. If the agreement between you and your husband relates only to the children, you can enter into a Parenting Plan instead of obtaining Consent Orders. It is much quicker and cheaper if you can reach an agreement instead of a judge or magistrate making a decision for you. Going to Court is very expensive if you have to pay for a lawyer. It can take over 1 year to have your matter decided by a judge.
The Court needs to know what the property is worth. If you do not agree how much something is worth, you might have to have it valued. 2. What did the husband contribute and what did the wife contribute? The court will consider: financial contributions (for example wages, inheritances from relatives and other property brought into the relationship by either spouse); non-financial contributions (for example renovating a property or help in the family business); and homemaker contributions (for example housekeeping and care of children)
The Court will decide whether the husband and wife made equal contributions, or if one of them made a bigger contribution than the other. The Court will describe the contributions as a ratio, for example 50:50 or 75:25. 3. What other factors should be taken into account, for example, what are the husband and wifes future needs? The Court can change the ratio to take into account the future needs of the husband and wife. This means they might look at things like your age, health, care of children or how much someone can earn. If the husband and wife contributed equally (50:50), but the husband is sick and cannot work, then the ratio could change so the husband gets more (for example, 60:40).
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If the husband and wife contributed the same (50:50), but the wife will look after the children most of the time and cannot work, the percentage could change to give her more (for example, 70:30). 4. Is the division fair? Finally, the Court will check that the first three stages are fair to both spouses. Once the Court has considered these things, it will decide how to divide the property. For example, the Court can order that your house has to be sold and the money divided between you or that one of you gets the house and the other gets some money. You can apply for a court to divide the property of the relationship at any time during or after a relationship. You must apply to the court to divide your property within 1 year of your divorce application being decided at the Federal Magistrates Court. 14.3.2 Dividing property of a de facto relationship If you separate from a de facto spouse, any argument about property will be heard in the Local, District or Supreme Court of New South Wales only. In de facto matters the Court will consider all the same things as above, but will not consider factor 3, that is the future needs of the partners. If you want to file an application to divide property in de facto matters, you must file all applications within 2 years of the date of your separation. 14.4 Going to Court to solve arguments about children If there is an issue that involves children, you must first go to a Family Relationship Centre. Here you can get the information and start the process to find the right solution for you and your children. To find a centre near you, use the search function on www.familyrelationships.gov.au/ Before you can go to a Court to solve your arguments, you have to first get a certificate from a Family Relationship Centre. All cases that involve what happens to your children after you separate will be dealt with in the Federal Magistrates Court or the Family Court of Australia.
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The Court can decide arguments about: living arrangements - who the children should live with; spending time with and communicating with - when and where the children spend time with the other parent and any other person who has a close relationship with them (for example grandparents); and specific issues other things like medical treatment, schooling, religion, passports and travel.
The Court will make a decision that is in the best interests of the child. To decide the best interests of the child, the Court will consider: what the child wants; the relationship the child has with parents and others; how the change might affect the child; any practical problems and costs of making sure a child has contact with the parent they do not usually live with; how well each parent can care for the child including emotional and intellectual needs; the childs maturity, sex and background and any other aspects of the child that the Court thinks are important; the need to protect the child from physical or mental harm; if each parent is a good carer; any family violence involving the child or the family, including Apprehended Violence Orders (see Chapter 13: Apprehended Violence Orders); what the Court thinks would finally resolve the matter; and any other thing that the Court thinks is important.
Each child has the right to see both parents. The Court will not allow one parent to stop the other parent from seeing their child. However, if the child may be in danger from one of its parents, the Court might decide that a friend or relative must supervise the child when they see that parent, or the child and the parent might have to meet in a special
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contact centre. In rare cases, the Court may decide that the child cannot have any contact with that parent.
If you were in a de facto relationship you can also apply for spouse maintenance but there are more restrictions on when you can get it.
There is no automatic right to get money from your ex-spouse to help you live (this is called spouse maintenance). To get spouse maintenance, you must apply to the Court. You must show that: you cannot support yourself by working; and your spouse can afford to support you.
The Court treats men and women the same when considering applications for spouse maintenance.
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15
EMPLOYMENT PROBLEMS
15.1 Important questions
15.1.1 What age can I start work? There is no minimum age. But if you are under the age of 15 and looking for full-time work with the intention of leaving school you need permission from the Department of Education and Training on (02) 9561 8000. 15.1.2 How do I get paid? In most circumstances, you should be paid at least once a fortnight. You may be paid in cash, by cheque or deposit into your bank account. You will automatically have some money taken out of your pay for tax, superannuation, Medicare and some other things required by law. Your employer is not normally allowed to take money out for any other reason without your written consent, but can do so in some rare cases. Your employer has to give you details of your pay regularly. This may be a hard copy payslip or may be electronic. It will show your pay, any deductions, such as tax and superannuation, and whatever leave entitlements you might have earned so far. 15.1.3 Can I do unpaid work? You can do work experience through a school or TAFE or university and that is not paid. You can do volunteer work and that is not paid. Your new employer might ask you to work for a trial period or a probation period to see if you can do the job. You must be paid during a probation period, and should be paid during a trial period. Do not let your employer force you to do trial work for free.
If you do unpaid work outside of your paid job, you may be required to tell your employer at your paid job. 15.1.4 What sort of hours can I work? Full time work is usually between 35 and 40 hours per week. Under the federal system (see below), full time work is a maximum of 38 hours per week, plus reasonable additional hours. Part-time work is a regular number of hours each week but less than fulltime work; Casual work is paid by the hour or by the day and is more flexible. It can be good for students and young people, but does have some disadvantages. Make sure you check your visa conditions because you might have restrictions on how much you can work even unpaid work might be counted as work for your visa (see Chapter 3: Immigration and citizenship). 15.1.5 What paperwork should I get from my employer when I start? You may get a document, which sets out the most important conditions of your employment such as: the pay you will get; how many hours you will work; other entitlements such as time off.
This document may be called a letter of offer, employment agreement, employment contract, an award, a collective agreement or an Australian Workplace Agreement. On your first day you should also get this information (preferably in writing): what your job tasks are; if you work on a roster, you should get details about that; information about workplace policies; and information about health and safety in the workplace.
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casual loadings; breaks for meals; money for meals; how often you can take time off work (for example, how many days of holiday youll get each year); and what your responsibilities are.
These are minimum standards so your employer has to give you at least the amount of pay, overtime, allowances and leave set out in the award. An enterprise agreement is a document that employers and employees negotiate together, usually in a specific workplace, sometimes with the help of a union. Like an award, they set out the minimum conditions of employment for employees covered by that agreement. Some work in NSW will not be covered by an award or an enterprise agreement. There will, however, be a contract (agreement) of employment between you and your employer which will set out your rights and obligations. In addition, there are NSW laws (for example, about annual leave or about payment of wages) which will also apply to you. 15.2.2 Federal system In the federal system your conditions of employment might be in a federal award, a collective agreement or an Australian Workplace Agreement or may simply be the minimum conditions under the Australian Fair Pay and Conditions Standard (the Standard). A federal award sets out many of the minimum conditions of employment for certain types of jobs but will only apply to you if you do a job covered by the award and the award applies to your employer. It sets out the same sort of things as a NSW State award (see above). A collective agreement is a document that employers and employees decide to negotiate together, sometimes with the help of a union. Like an award, it sets out many of the minimum conditions of employment for employees covered by that agreement. Other conditions will also be set out in other federal laws.
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Australian Workplace Agreements (AWAs), recently replaced by Individual Transitional Employment Agreements (ITEAs), are federal system individual agreements. You have 7 days to consider an ITEA if you are given one. You cannot be sacked for refusing to sign an ITEA. If your employment is under the Standard, then you will find that the minimum conditions under the Standard deal with: basic rates of pay and casual loading; maximum ordinary hours of work; annual leave (for fulltime employees this is equivalent to 20 days per year); personal leave (for fulltime employees this is equivalent to 10 days per year); and parental leave.
Loadings this is when your employer has to pay you higher than the normal award rate because of some aspect of your job, for example you might have to work on weekends, or in a remote area.
Be sure before you sign When you are given any document to sign asking you to agree to specific conditions of employment you should take your time and check that you agree with the conditions. Your employer cannot pressure you to sign it. You can even get legal advice before you make a decision. If you are under 18 and have been given an ITEA, you must have an appropriate person (such as a parent or guardian) sign the ITEA.
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up all your sick leave, you can usually take compassionate leave or unpaid carers leave to look after your family member. All employees can usually get this time off: Unpaid parental leave this is time off that can be taken by the mother or the father (but not both) for up to 52 weeks to look after a new baby or a child under 18 years that they have adopted. Your employer must keep your job for you until you return to work. Unpaid compassionate leave you can take 2 days off every time something serious happens in your family such as a sickness or death. Leave without pay this is when your employer allows you to take time off for a certain amount of time without being paid.
something about bullying, harassment, discrimination and ethical employee behaviour. Your employer might also have a policy about giving everyone an equal opportunity in the workplace or a policy about affirmative action to make it clear that all people in the workplace are equal. It is important that you read these policies and follow them because you may have trouble in your workplace, or even be fired or have legal action taken against you if you do not follow them. (See Chapter 4: Discrimination and harassment).
15.7 Your health and safety at work (Occupational Health & Safety)
All employers who are in New South Wales have certain duties to make sure their employees stay healthy and safe. This means that your employer should: have a safe workplace; make sure any machinery or equipment is safe; give you training and supervise you when using special equipment like machinery; give you general training on how to avoid workplace injuries; and make sure the work environment and facilities are safe.
These are general leave benefits. You should check your award or agreement to see what applies to you.
15.5 What to do if you have not been paid the right amount
You should do the following: 1. write to your employer and set out your claim. Your employer might agree to pay you the money. if your employer does not agree you can contact the Office of Industrial Relations (State system) or the Workplace Ombudsman (Federal system) and they may be able to help sort out the situation. if all this doesnt work you can apply to the Chief Industrial Magistrate or to the Local Court for a small claims application for the pay that you think you were owed (for amounts under $10,000).
2.
Your workplace might come under a Code of Practice for your type of work. This is not law but your employer should be following it. Workplace injuries can have a big impact both on you and on a business. Employers need to talk to their workers about any safety problems in the workplace. Workers must also look after their own safety and health at work. Workers have to think about how their actions will affect other people in the workplace. Workers must co-operate with their employer to help solve any safety issues. This means as a worker you have to go to training, avoid dangerous situations, and talk to your employer about any safety problems in the workplace.
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3.
15.7.1 What happens if you are injured at work? For more information, contact the WorkCover Authority and see the information sheets on their website. WorkCover Authority of NSW Tel: (02) 4321 5000 Website: www.workcover.nsw.gov.au
award or agreement might have something in it about when employers have to consult with their employees if redundancies are going to happen soon. When your job finishes, you must be paid for any annual leave that you have earned but not used and any unpaid wages. You might (depending on your contract, award or agreement) also be paid a special severance pay. The amount will depend on how long you have worked there. You might also receive a payment for any notice that your employer failed to give you. 15.8.3 Dismissal Your employer might decide to dismiss you, for example, for poor performance or misconduct. If you employer says you are being dismissed for poor performance, you should be given notice or a payment instead of notice. If your employer says you are being dismissed for misconduct, the employer may be able to fire you on the spot and not give you any notice or payment instead of notice. Misconduct is serious misbehaviour and might include being dishonest or starting a fight. You should get a payment for annual leave you have earned but not used and any unpaid wages. You should get these even if your employer dismisses you for misconduct. State system If you are under the NSW system and you think your dismissal was unfair, you may be able to apply to the Industrial Relations Commission of New South Wales to get your job back, get a different job with the same employer, or get compensation. This is called and unfair dismissal application. You may also be able to make an unfair contracts application. You should speak to your union or to a lawyer about making an unfair dismissal or unfair contracts application, but remember that there are time limits. For example, you only have 21 days from the date your employment ended to start unfair dismissal proceedings.
15.8.1 Resigning You can just tell your employer that you are leaving, but it is probably better to do it in writing. You should check your contract, award or agreement of details of how much notice you should give your employer. Notice means how far in advance you have to tell your employer before your final day. If you do not give the notice that you have to under your contract, award or agreement then your employer may be able to take you to court. You will normally have to work up until the time you leave so that you can hand over your responsibilities to your replacement. When your job finishes, you must be paid for any annual leave that you have earned but not used and any unpaid wages. It is a good idea to ask your employer for a certificate of service before you leave. This states when you started and finished and what sort of work you did. 15.8.2 Redundancy This can happen when there is new technology that can do the job or the business has to change and can no longer offer that position. Your contract,
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Federal system If you are under the Federal system you may also be able to make an unfair dismissal application in the Australian Industrial Relations Commission, but will not be able to make an unfair contracts application. There is a 21 day limit for making an unfair dismissal application, so you need to be quick. If your employer has only 100 employees or less you will not be able to make an application. Both systems You cannot be sacked for certain reasons. For example, because of your ethnic background, age or gender, or because you didnt go to work for a short time because of illness. If you think you have been sacked for an unlawful reason, you may be able to make an unlawful termination or antidiscrimination claim. (See Chapter 4: Discrimination and harassment)
Chief Industrial Magistrates Court This Court hears claims and prosecutions for breaches of awards and some forms of agreement. Tel: (02) 9287 7832 Federal Magistrates Court This Court hears claims and prosecutions for breaches of awards and some agreements and the Standard, and unlawful termination claims. Tel: (02) 9230 8567 Website: www.fmc.gov.au Australian Industrial Relations Commission The Commission helps resolve industrial disputes, handles some termination and employment matters, simplifies awards and deals with applications for industrial strike actions. Tel : (02) 83746666 or 1300 799 675 Website: www.airc.gov.au Australian Council of Trade Unions (ACTU) (located in Melbourne) Tel: 1300 362 223 or (03) 9664 7333 Website: www.actu.asn.au Unions NSW Tel: (02) 9264 1691 Website: www.unionsnsw.org.au Workplace Ombudsman The Workplace Ombudsman can help you understand your rights under a federal award or agreement and can investigate complaints. Help Line: 1300 724 200 Website: www.wo.gov.au The information in this chapter is correct as at March 2008. Please be aware that there may soon be changes to the law of employment so you should check with your lawyer if you have any concerns.
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16
CONTRACTS
16.1 What is a contract?
Contract is a word that describes an agreement between two or more people (or groups) to do or not to do something, which the law in Australia will enforce. Contracts can be made by individual people, groups of people including partnerships, companies and the Government. Once you enter into a contract, you will have rights and obligations under it. You are expected to keep the promises you make under the contract and you can expect the other person to the contract to do what they have promised. The most common type of contract is where one person promises to provide things and/or services to a second person and in return, the second person agrees to pay money to the first person.
Examples of these include deeds, contracts for the sale of land and contracts for the building of houses. These contracts can include complex legal issues so if you are considering signing any of these types of contracts you should get advice from a lawyer first (see Chapter 1: How to find a lawyer). If the contract is in writing, then the contract should say what each person promises to do and be signed by each person. Example: A contract for the sale of a house is signed by the person buying the house and the person selling the house. A contract that is made orally is legally effective when each person tells the other what they promise to do. Example: A fruit seller might tell you they will sell you a kilogram of oranges for $3.00. If you say you agree to buy a kilogram of oranges for $3.00, you have made a contract with the fruit seller to buy a kilogram of oranges for $3.00. Although it is rare it is possible to make a contract by something you do. That is, if the conduct or behaviour of both people shows they have an agreement, sometimes the law will recognise this as making a contract. More often, conduct or behaviour is only part of the way in which a contract is made in combination with one or both of the other two ways. Regardless of whether the contract is made in writing, orally, or by conduct, it is only made properly when: each person intends to be bound by their promises. The law generally assumes that each person intends to be bound and will uphold a contract. Writing can show that the people intend to be bound; each person agrees on the important issues in the contract. For example, if you have not agreed on the price of the things and/or services, there is no contract;
Example: If you promise to pay someone money for a car and the person gives you the car, then you must pay them the money you promised to pay. Example: If you promise to do plumbing for someone for money and they pay you, you must do the plumbing for them.
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each person gives or does something in return for what the other person promises. So, a promise by someone of a gift is usually not enforced by the law.
17
DEBT
17.1 Introduction
A debt is money you have borrowed from someone else and you agree to repay the money at some point in the future. Borrowing money can be very useful, for example taking out a loan to buy a house or a car. However, getting into debt can be a big problem if you cannot afford to pay it back. If you have a debt because you owe someone money, under the law, you must pay it back. Your obligation to pay back the debt is a legal obligation. This chapter may help you to manage debt.
16.3 What can you do if the other person breaks their promise?
If the other person to the contract breaks any of their promises under the contract, you may have a right in law to ask the court to: force the other person to keep their promise; or make the other person pay you money as compensation for the loss they have caused you by breaking their promise.
If you intend to do either of these things, you should get advice from a lawyer first. (See Chapter 1: Lawyers and legal services.) Just because the other person has broken one of their promises under the contract that does not mean that the contract ends. You may still have to keep your promises under the contract. If you do not, the other person may be able to take legal action against you.
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you are borrowing money for investment or business then lenders can charge you at whatever rate they choose, so it is important that you shop around for the best deal. If you are having trouble finding the right loan for you, then you can get a finance broker to help you. A finance broker usually arranges a loan for you by talking to various lenders. Mortgage brokers are finance brokers that specialise in arranging home loans. If you need a mortgage broker, look for one that is a member of the Mortgage Industry Association of Australia (MIAA). Mortgage brokers who obtain a loan for you from a regulated bank or building society do not charge you a commission. Mortgage Industry Association of Australia Tel: (02) 9967 2889 Website: www.miaa.com.au If you borrow money from a private organisation or individual you should make sure that you understand all the terms of the loan, get all the terms of the loan in writing and get someone you trust to explain the conditions of the loan. Only accept the money when you fully understand the conditions of the loan.
17.3.2 Credit cards Credit cards can be very useful but make sure you can make the payments on you credit card by the due date. This due date is very important because any late payments may have legal consequences and can mean more money in legal costs. So, before you enter an agreement for a credit card, you should always make sure you know: how much the payments will be; when you must pay by (due date); and if you can afford to make those payments.
If your bank offers to increase your credit limit you should think about it carefully before agreeing or refusing. Credit cards have high interest rates, usually between 13.5% and 21% per year. Paying a high rate of interest can be a big waste of money. It is best if you can pay off the total amount owing each due date. If you can pay off the total each time, then you may not have to pay any interest. If you cant pay the total amount, make sure you pay regular amounts. If you can, pay more than the minimum amount shown on your bill so that you are paying back your debt and not just the interest. If you need to buy something expensive, like furniture or appliances, you might be able to get a loan with a lower interest rate or you might get finance through the shop where you buy it at a lower interest rate. If you have a high credit card debt you can try these things to help pay it off: Contact the credit card company and ask them to lower the interest rate for you. This may work because they would rather help you pay the money back than have to take legal action against you to get the money back if you cannot pay. Some credits cards have a lower rate of interest for the first few months. You can transfer the debt from other credit cards to a new credit card with a lower interest rate. You must try to pay off the debt while the interest rate is low. This is called a balance transfer.
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You may be able to get a loan from a bank that has a lower rate than your credit cards. You can use the bank loan to pay off all the credit cards so that you have one debt to the bank with the lower interest rate.
17.5.1 Budgeting to get out of debt If you really want to make your debt smaller, you need to make a budget and stick to it. You need to decide which debts are the most important so you can pay them first. Your most important debts may include: rent/ mortgage, electricity, telephone, gas, food, car payments and secured debts. A secured debt is a debt owing to a lender where the lender has the power to sell your property, like your house, car or furniture, if you do not pay. Unsecured debts such as credit cards are the last priority. 17.5.2 Talking to your creditors It is important to talk to your creditors if your financial situation changes. If you are having financial problems, you should tell your creditor in writing as soon as possible. If you cannot tell them in writing, contact them by phone and make sure you write down the name of the person you speak to, their role, and the time of the call. If you do not tell the creditors in advance about your situation, and you are late in your repayments, the creditors may send you a letter demanding the money due. This is called a letter of demand. If you ignore these letters, the creditors may have no choice but to sue you in court. It is therefore very important that you respond to these letters by contacting your creditors. If you have more debt than you can manage, you may be able to talk with your creditors. If you talk with your creditors you may: get more time to pay; get late fees dropped; and/or pay off less than the full amount of your debts.
Example: if you owe $200, the creditor might accept $150 instead of $200 if you can pay it straight away so they dont have to keep chasing you. What can you afford to pay? When working out what you can pay, you should remember that you will need money left over to buy food or medication. You should tell the creditor this if you are worried that you will not have enough money left over.
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What if the Creditor says no? If a creditor does not agree to give you more time or accept a smaller amount you may be able to: get a financial counsellor to speak to them for you; or if the debt is large or you have many debts, you could ask a lawyer to write a letter asking for extra time. This will cost some money, but it may be worth it.
Fido Website:
www.fido.asic.gov.au/fido/fido.nsf
There are many organisations that can help you get out of debt (for example by writing a letter) if you are in this situation, including community legal centres. Information on who to contact to get help is provided below. What if the Creditor decides to sue? If the creditors want to sue you for the money you owe them, they will give you a document called a Statement of Claim. A Statement of Claim is a legal document they give to the court to begin the court process. You have only 28 days to respond to this document (the 28 days includes weekends). If you do not do anything within 28 days, the creditors may automatically win the case. That means that you will have a court judgment made against you that confirms you owe the debt. There are very serious legal consequences to this. Therefore, if you receive a Statement of Claim, you should talk to a lawyer straight away. Below is a list of places you can go to get free legal advice. 17.5.3 Where to go to get help? LawAccess Community Legal Centres Legal Aid Commission of NSW Consumer Credit Legal Centre Inc. Tel: (02) 9212 4111 Website: www.ccls.org.au
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Most banks and credit card companies must follow rules about how they offer credit or loans to you. For example, they usually need to: ask questions about your ability to repay before you sign any agreement; let you know what to do if you have a dispute with them; try to help you fix your financial problems.
17.6.1 What can I complain about? Sometimes you can make a complaint if you think that your bank or credit card company has not acted reasonably or did not treat you very well. Normally, you need to complain directly to them first. If you are not happy with the result of your complaint, you can then complain to an independent body. There may be limits to the types of complaint that you can make and the amount of compensation you can claim. 17.6.2 Who can I complain to? For bank and non-bank members: Banking and Financial Services Ombudsman Tel: 1300 787 808 Website: www.bfso.org.au For credit union members: Credit Union Dispute Resolution Centre Tel: 1300 780 808 Website: www.cudrc.com.au
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For other lenders and brokers who are members: Credit Ombudsman Scheme Tel: 1300 780 808 Website: www.creditombudsman.com.au 17.6.3 Harrassment by Creditors By law, debt collectors must not harass someone about a debt. If you feel harrassed, you should report to the following agencies depending on the type of debt you owe: the Australian Securities and Investment Commission (ASIC) - if the debt relates to loan repayments; the Australian Competition and Consumer Commission (ACCC) - if the debt in question was not a loan; the Office of Fair Trading - for all kinds of debts; the Police. Australian Securities and Investments Commission Tel: 1300 300 630 Website: www.asic.gov.au Australian Competition and Consumer Commission Tel: 1300 302 502 Website: www.accc.gov.au Office of Fair Trading Tel: 13 32 20 Website: www.fairtrading.nsw.gov.au
18
CONSUMER PROTECTION
18.1 Introduction
A consumer is a person who buys a product or service. When buying products or services you should find out: what are the benefits and disadvantages ? what are the common mistakes? what can you do if you have any worries about the product or service? These are some of your rights as a consumer.
If you buy something, you should: compare prices in other shops before buying; always ask a salesperson to explain to you anything you do not understand about the product, including warranties, return policy etc.
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find out about shop policies on sale goods, and second hand goods; and always keep your receipt, quotes, warranties and contracts and any documents you get.
18.2.5 What are lay-bys? Lay-bys are purchases where you pay for the product over a period of time set by the shop. You can take the product home when you have finished paying for it. This helps you pay for a more expensive item slowly. You should always receive a written statement with the terms and conditions of the lay-by. You should keep this and read the conditions carefully. 18.2.6 Can I return the product? If a salesperson sells you a product that does not meet their obligations, you usually have a right to get your money back when you return the item. This is called a refund. It is against the law to display a no refunds sign. Remember that you should always keep your receipt to get a refund. Sometimes the shop may choose to have a policy of exchange or in-shop credit (that is, they will not give you your money back but will give you another product of equal value to what you paid). Some shops have a no questions asked refund policy, and will refund your money as long as you have a receipt or some other proof of purchase. It is important to make sure you understand what the refund policy of the shop is before you make a purchase. The seller does not have to refund your money just because you decide later on that you do not like or no longer want the product. Some shops allow you to swap the product for something else but they do not have to. You do not have a right to a refund for damage to the product caused by you. To get a refund there needs to be something wrong with the product or the way it was described. Even if a shop tells you that you cant return a product, you might be able to if the product is different to how it was described or it does not do what it says it will do. 18.2.7 Warranties Some products are sold with a warranty that applies to that product. A warranty usually means that the seller or maker will replace or repair any defects in the product for a period after you buy it. When you buy a product you should check if there is a warranty and if any conditions apply. You usually have to show your receipt to claim a
18.2.2 Consumer protection A seller is not allowed to be dishonest or lie to you when you are buying a product or service. This means that sellers cannot: accept payment for goods or services they will not provide; tell lies about the quality, newness, or origin of a product or service; use violence or harassment to make you to buy a product or service; or sell goods to you that are banned for safety reasons.
18.2.3 What should you pay for a product? If a product has a price tag, you are only required to pay that price. In some shops you can bargain with the salesperson for a lower price. But, if the salesperson tells you that the price is actually higher than the price on the price tag, then it might be against the law to charge you the higher price. If there are two different prices on one item, you have a right to pay the lower price. You should always check your receipt. 18.2.4 What if the product is a sale item? It is against the law for a shop to advertise products as being on sale when they are actually being sold at the regular price. When a product is advertised as a sale item, the shop must have that product available at the sale price for a reasonable length of time. It might be against the law for a shop to advertise a sale price on a product that they cannot provide, and then sell you a more expensive item. When you buy a product on sale, the rules are different. You cannot return some sale goods, so make sure you know about the shop policy on sale items before you buy goods from there.
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warranty so keep all receipts or proof of purchase for your product. Some warranties may require you to send a special card that they provide to the manufacturer to start the warranty. Warranties are usually written in legal language and can be quite long. You can ask the salesperson to explain the warranty and conditions before you buy the product if you do not understand. All new products should have a warranty. If you buy products second hand or at an auction, different warranties will apply. It is important that you check second hand products or products bought at auctions very carefully before you buy them.
18.3.1 Consumer protection for specific issues Contact the NSW Office of Fair Trading for information about specific problems. The factsheets on their website are very useful and available in other languages. Buying a Car There are special laws to protect you when you buy a new or used car from a caryard. These laws do not always protect you if you are buying a car privately. For example, if you are buying a car advertised in a newspaper then you must check if the car is stolen or if someone owes money on the car. You do this by contacting Register of Encumbered Vehicles. You can also pay the NRMA to look at the car and make sure there is nothing wrong with it. If you need to borrow money to buy a car, some caryards offer finance. You should make sure you understand the terms of the loan before you sign. You should make sure you can afford to pay the loan off. Often it is cheaper to get a loan from a bank, rather than the caryard. You should always ask if you will have to pay extra to get the car registered and insured. These extra costs are sometimes called on-road costs. Before you buy a car you should read The Car Buyers Handbook, which you can get for free from the Office of Fair Trading (see the end of this chapter for contact details). 18.3.3 Problem solving and further information If you have a problem with a product or service you have bought, you need to act quickly. You should speak to a senior person in the shop or the service provider where you purchased the product or service. It is better if you can put your complaint or problem about the product or service in writing to the shop or service provider as well. You can ask someone else to help you write this letter. If your problem cannot be settled by the shop or service provider, you can find further help from an industry body or professional association which might help you solve your problem.
If the service is not what you were promised, you have a right to ask for additional services to fix the situation. You can ask that the services are performed again without charging you more money. You can get a written quote for the total cost of the services and a detailed description of the services before you agree to the services to be performed. This will make it easier for you if you need to complain about the services provided to you. Sometimes, service providers will only give a quote of the costs for a fee. When you ask for a quotation, remember to ask if it is provided free of charge or whether there is a fee. You should not have to pay for any services you did not ask for or did not agree to. Remember, always get a receipt for any amount of money paid for the service provided. You should also keep a copy of any contracts you sign.
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If problem is still not resolved, you may find help from NSW and Federal government agencies including: NSW Office of Fair Trading This is an excellent site that has lots of information about your rights as a consumer. Information is available in many languages. Tel: 13 32 20 Website: www.fairtrading.nsw.gov.au Law Access NSW Tel: 1300 888 LAW (1300 888 529) Website: www.lawaccess.nsw.gov.au Consumer, Trader & Tenancy Tribunal (CTTT) Tel: 1300 135 399 Website: www.fairtrading.nsw.gov.au/cttt.html Australian Competition and Consumer Commission (ACCC) Tel: 1300 302 502 Website: www.accc.gov.au Consumer Online This is an Internet site that provided lots of general information about consumer rights in Australia. Website: www.consumersonline.gov.au Choice Magazine This Internet site provides reviews and tips on consumer products like televisions and mobile phones. Some of the articles are free. Website: www.choice.com.au
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FINANCIAL SERVICES
In order to make good decisions about how to manage your money, it is important to know about how financial services and products work. The Australian Securities & Investments Commission (ASIC) is the government body responsible for consumer protection in areas such as: deposit taking (banking); general and life insurance; superannuation; retirement savings accounts; and credit products and shares.
ASIC has published consumer information booklets on its website (see details below) which cover topics such as: budgeting; managing loans and mortgages (buying a house); insurance; getting the most from superannuation; and starting to invest.
They are a good general starting point; however, if you want personal financial advice, you may need to see a licensed financial adviser. A licensed financial adviser has an Australian Financial Services (AFS) licence or is an authorised representative of someone with an AFS licence. The licensed financial adviser must give you a Financial Services Guide that explains basic information on the type of services that the financial adviser is allowed to give you.
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For general inquiries about financial products, financial services and the role of ASIC you can email infoline@asic.gov.au or phone 1300 300 630. Information about companies and financial professionals can be found at www.asic.gov.au. More information on how you are protected when using financial products and services can be found on this government website: www.fido.gov.au. This site is very good and helpful. It has a lot of information and things you need to know about: financial products services; getting advice about your money; and tips for managing your money.
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WILLS
20.1 What is a will?
A will is a legal document that you make which sets out who will get your money and your assets after you die. A person who gets something under your will is called a beneficiary. You can also use a will to choose a guardian to look after your children when you die until they are old enough to look after themselves.
It also has information about scams and tricks you should be aware of and how you can make a complaint. The website also has lots of information in many other languages.
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It is recommended that you change your will if: you change your mind; your assets change or you no longer have them; your spouse dies; you have children or grandchildren; your children marry or divorce; the executor is no longer able to be an executor; or a beneficiary dies.
You can also give your executor extra instructions with respect to small personal possessions that are not in the will.
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GLOSSARY
You might see these words used in court, in legal documents or in this handbook. 1800 A 1800 telephone number is free to call. Affirmation: In court, an affirmation is a binding promise by a witness to tell the truth. It is like an oath for people who do not believe in a God. (see Oath) Acquittal: A decision by a court that a person is not guilty of the crime they were charged with. Arrest: When the police arrest a person, they usually take them to a police station because they suspect the person committed a crime. Bail A court or the police can grant bail to a person who is charged with a crime which means they do not have to stay in prison for the time leading up to the trial. It may mean the person or their family has to pay an amount of money.
Conviction: A decision by a court that the person is guilty of a crime. This can only happen after a criminal trial or if a person pleads guilty. Creditor: A person who is owed money. Cross-examine: To ask a witness for the other side questions after they have given their evidence the first time. This tests the truth or reliability of their evidence. Cross-examination happens in both civil and criminal trials. Custodial: Used to describe a sentence for a crime. It means a time spent in prison. Damages: In a civil court, this is an amount of money to cover loss or damage to a person or their property when someone does something wrong or negligent. (see also Negligence) Equity: Legal principles which operate together with the strict rules of the common law to make a fair result if the strict rules would be too harsh in the situation. (see Common law) Jurisdiction 1. The area or issue of law that a Court or Tribunal is allowed to make decisions about. For example, the Land and Environment Court can only make decisions about environment and land issues. 2. The limits of geographical area in which a Courts or Tribunals power can be used. For example, the Supreme Court has jurisdiction in NSW. Medicare: The organisation which manages State-paid or subsidised health care. Negligence: A type of tort. It is a when person A fails to do something when they have a duty of care to do something. If this causes loss or damage to person B or their property then person B can sue. Oath In courts, a binding promise by a witness to tell the truth. An oath is sworn on a religious book, such as a bible or a Koran and is for people who believe in a God (see also Affirmation). Onshore application In migration law - an application for a visa made while in Australian territory.
Barrister: A lawyer that specialises in representing people in court. Centrelink: The organisation which manages State social security payments and benefits. Charge: In a criminal case, charge is used to describe the crime a person is accused of committing. Charged: A person is charged when they are arrested and formally accused by police of committing a crime. Civil law: Areas of the law that are not criminal. For example, Tort Law and Family Law are areas of civil law. Common law: Law developed through decisions made by judges in court. (see Statute) Contract: A legally binding agreement between two or more people. A contract can be spoken, written down or made by actions that show you have agreed with other people (or sometimes a combination of these).
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Person: A reference to a person in this glossary may include reference to a company or other organisation. Plea: In a criminal case, a plea is the accuseds response to the charge. The accused can plead guilty or not guilty. Sentence: A punishment for a crime that a court orders. For example, criminal courts can order a custodial sentence. Social security: Government payments for financial support and some welfare services. It is managed by the State authority, Centrelink. Solicitor: A lawyer that specialises in giving legal advice. Solicitors can also represent their clients in court. Spouse: A husband or wife. Statutes: Laws made by Parliament. Sue: To start legal proceedings in a civil court against someone. Summary offence: Minor criminal offences such as traffic offences, which are heard by magistrates in the local courts. Tort: A wrong that gives the victim a right to sue for damages and other remedies. Some examples of torts are: trespass, negligence, theft and assault. Tribunal: A tribunal is like a court but it is outside the normal court system. Usually the procedures are more informal. TTY: This is a teletypewriter service for people with hearing difficulties. Warrant: An authority from a judge or magistrate for police to do something, such as search a place or arrest a person.
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