Finance > Legal & General

Legal & General

Welcome to the YOURLifeChoices Legal page. Our Power of Attorney information provides you with relevant knowledge to make the decision if it is for you, while our Wills page gives you all the information you need to decide what you want to do when you leave it all behind.

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Telco billing complaints
If you’re having difficulties understanding the charges on your telephone bill, have been overcharged for your mobile phone use, or are not receiving the broadband service you’re paying for, then you should direct your complaint to the Telecommunications Industry Ombudsman.
www.tio.com.au

Questioning a Centrelink decision
Receiving notification from Centrelink, or any Government agency, that it will not process your claim, or is about to stop your benefit, can be distressing. You can ask Centrelink to review its decision, but if you still feel you have been unfairly treated, you can refer the matter to the Commonwealth Ombudsman.
www.ombudsman.gov.au

Where there’s a will…
Making a will is often high on people’s list of things to do, but it is often the one thing which gets put off to another day. There are standard wills which can be completed online, but these don’t suit every situation. Take an estate planning self-assessment to find out if you can use the online version.
www.slatergordon.com.au

Getting your affairs in order
No one lives their life thinking that they will suddenly become incapacitated, but things do happen and it’s better to be prepared. Make sure your financial affairs are in order and you have appointed a Power of Attorney, or consider an Enduring Power of Attorney for medical issues.
www.yourlifechoices.com.au

Free legal advice
When faced with a legal problem, many people are dissuaded from consulting a lawyer due to the cost involved. Community Legal Centres can provide assistance for free.
www.naclc.org.au

Know your consumer rights
Do you know your rights when you shop online as opposed to the high street? Or perhaps you’re having difficulties getting a manufacturer to honour a product warranty? Know you rights and responsibilities before you sign a contract or buy goods.
www.consumerlaw.gov.au

State and local government issues
People often think that when a government, be it state or local, issues a ruling or decision, that it is final. However, even governments don’t always get it right. If you have an issue with state housing, police complaints, or community services which you can’t be resolved, then your state or territory ombudsman can intervene on your behalf.
www.ombudsman.gov.au

Never too old
Age discrimination can take many forms, such as reduced insurance for workers, being made to retire due to age and being misrepresented in the public domain. The Australian Government has committed to ending age discrimination by appointing an Age Discrimination Commissioner to tackle issues and complaints made by members of the public and age-concern organisations.
www.hreoc.gov.au

Support for the elderly
The elderly and infirm are some of the most vulnerable people within our communities and are often the target of those less scrupulous. Dealing with elder-abuse can be traumatic, for both the individual involved and their families, so it’s important to get support when dealing with this distressing issue.
www.yourlifechoices.com.au

Resolving financial
The term financial services covers a broad range of products, from financial advice and investments to insurance products and banking services. If you think you have been wrongly advised on a product, or that a company is refusing to honour its agreement with you, the Financial Ombudsman Service can step in to help you obtain a resolution.
www.fos.org.au