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Do you know that all financial consumer credit products in Australia are subject to strict credit laws and you have rights under national credit laws:

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NATIONAL CONSUMER CREDIT PROTECTION ACT 2009 (NCCP)

NATIONAL CONSUMER CREDIT CODE (NCC)

ASIC ACT 2001

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  What the banks, debt collectors, and their lawyers neither want you to know nor exercise. 

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This toolkit does not provide a guide in relation to court proceedings. 

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Contact Odtojan Bryl Lawyers if you need legal advice/representation regarding credit-related dispute matters.

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For financial institutions to consider pursuing a credit-related debt in court, such as a credit card debt, they must have a credit card contract (a regulated contract) compliant with the requirements under the Credit Laws and must provide a section 88 notice of a default under the terms of the said contract before they file a claim.

If the proceedings go to a final hearing, they must prove the cause of action, the default under the contract.

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For more information visit:  'Credit Contract Laws Sydney Australia'

Download the Credit Law Toolkit updated 2018 ==>

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Odtojan Bryl Lawyers brings public awareness of a serious issue of great public importance - that our court system is being used as a platform to circumvent the credit laws and obtain judgments without credit contracts hence not proving a cause of action (a default under the contract) which constitutes a fraudulent claim and perversion of the course of justice. 

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More information will be provided on how OBL principal discovered the systemic breaches of the credit laws by ASX listed company, Credit Corp Services Pty Limited (CCS), and its lawyers such as Carlos Toda and Piper Alderman Lawyers who files/signed a statement of claim pleading a credit card agreement/contract where no such contract exists.

(Sydney Local Court proceedings 2014/00219407 commenced by CCS).

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Odtojan Bryl Lawyers have discovered that such conduct by CCS is prolific and systemic and likely spans decades based on the limited publicly available judgment CCS has obtained, where the cause of action (a default/breach under a credit contract) is not proved/determined. 

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Many claims provided to OBL by those affected by CSS have the same consistent issues reported, CSS refusing/deflecting to provide their pleaded contract under the claim, circumventing the credit laws, and engaging in misleading conduct by referring to non-contractual documents as a credit contract.

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