Debt Consolidation

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The federal government has agreed to a  “landmark” class action settlement worth $1.2 billion over its controversial robodebt recovery program, which raised automated debts against welfare recipients.

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The robodebt scheme has been widely criticised for using computer algorithms to raise debt against hundreds of thousands of Australians who are on welfare with little human overbite.

In May, the government indicated that it will be taking steps to refund $721 million from 470,000 debt notices – affecting 373,000 Australians – raised wholly or partially through its controversial robodebt scheme.

Stuart Robert MP, in his role as the minister for the national disability insurance scheme and minister for government services, released a statement at the time that said “the Morrison government takes its responsibility for upholding the integrity of Australia’s welfare system seriously”.

While Prime Minister Scott Morrison apologised in Parliament for “hurt or harm” caused by the process back in May.

Yesterday’s settlement includes that amount, plus $112 million in compensation and a decision to drop a further $398 million in debts wrongly raised.

Gordon Legal, which represented the Centrelink recipients who had been forced to pay back money under the “unlawful” scheme, said the parties had reached an agreement which, if approved by the Federal Court, will see $1.2 billion in total delivered to participants in the legal challenge since it started, including $112 million in compensation. 

The firm noted that, in settling the class action, “the Commonwealth has not admitted that it was legally liable to group members”.

“We want to acknowledge the courage of the lead applicants; Katherine, Elyane, Steven, Felicity, Shannon and Devon, who led these proceedings on behalf of all robodebt victims in pursuit of this class action, which has allowed this outcome to be achieved today,” Gordon Legal partner Andrew Grech said.

“Our clients have asked us to especially thank Bill Shorten for his relentless pursuit of this issue, for his compassion over the last four years for vulnerable Australians hurt by robodebt and for bringing the case to Gordon Legal’s attention when it seemed that all other options had been exhausted and only resorting to the legal system would help.”

Mr Grech further acknowledged the work of the legal team at Victoria Legal Aid, whom he said worked tirelessly to bring a number of individual claims before the Federal Court before the class action was commenced, as well as the efforts of many community legal services in the Welfare Rights Network, such as Social Security Rights Victoria, who have been advocating for victims of robodebt for the last few years.

Shadow minister for government services Bill Shorten said in a statement that Labor would continue to push for a royal commission into robodebt.

The class action, launched on behalf of people who received notices through the automated debt recovery process, was launched last year with senior partner Peter Gordon making the announcement along with Mr Shorten. It comes after pressure over the federal government’s “15,000 mistakes” borne out of the automated system.

Services Australia began rolling out $721 million in refunds for the illegal scheme from July 2020.

Are you entitled to a refund from the scheme? Here’s what you need to do. 

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• Yes

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The federal government has agreed to a  “landmark” class action settlement worth $1.2 billion over its controversial robodebt recovery program, which raised automated debts against welfare recipients.

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Centrelink’s debt recovery program is set to resume from Monday, 2 November, but money owed will not need to be repaid until next year, Services Australia has said.

" ["fulltext"]=> string(3219) "

In a statement, Services Australia has confirmed that it will begin contacting welfare recipients from next week if they think they have been overpaid previously on welfare benefits.

Those living in Victoria have been excluded from the resumption scheme as will any other state or area that is declared a disaster.

Despite informing welfare recipients of money owed, they will not be expected to start making payments until February 2021.

Government Services Minister Stuart Robert said this will give people time to plan for their future.

“Delaying debt recovery until February 2021 recognises the difficulties many people are still facing,” the minister said. 

“It will provide time for people to consider their circumstances, engage with Services Australia about their options in a transparent way and plan for their future. This could include adjusting the information they are reporting to Services Australia.”

While highlighting Australians receiving payments will not be expected to pay the money back until February 2021, Mr Roberts encouraged those who want to make a repayment to do so voluntarily.

“People continue to have the option of repaying any overpayments assessed prior to the debt pause if they choose to and it can be managed within their personal circumstances.”

“Services Australia has a range of services to help people manage an overpayment, including online tools and specialist staff such as social workers who can provide short-term counselling, information and referrals to other services for Australians in need.”

Centrelink’s debt recovery program has been plagued with scandals in recent years as a result of its automated system known as robodebt illegally charging consumers.

The federal government was forced to adjust key details of the robodebt scheme contracted 370,000 people who were illegally issued debt collection notices.

Services Australia began rolling out $721 million in refunds for the illegal scheme from July 2020.

Are you entitled to a refund from the scheme? Here’s what you need to do.

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• Yes

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Centrelink’s debt recovery program is set to resume from Monday, 2 November, but money owed will not need to be repaid until next year, Services Australia has said.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#9019 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8708 (3) { ["data":protected]=> object(stdClass)#8524 (1) { ["options"]=> object(stdClass)#8526 (2) { ["options0"]=> object(stdClass)#8527 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8525 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8707 (3) { ["data":protected]=> object(stdClass)#8522 (6) { ["hint"]=> string(0) 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Despite record-low interest rates and changes to credit regulation making it easier for consumers to get a loan, a wealth educator has urged Australians to keep their debt low in order to build wealth.

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In a conversation with nestegg, Minnik Chartered Accountants director and wealth educator Leah Oliver has urged Aussies trying to get ahead financially to break up with debt.

In a time when debt is freely available through record-low interest rates as well as various other services, including buy now, pay later and lines of credit, Ms Oliver advised investors that high levels of debt hurt when it comes to accumulating wealth.

“Any debt that is used to fund a lifestyle where you don’t have the cash available to buy something at the time is going to hold you back when it comes to accumulating wealth,” she said.

“You will never get ahead of the game when you rely on debt funding for lifestyle.”

The chartered accountant pointed out the only time to go into debt is when buying assets that accumulate in value.   

“The only time we should be using debt is to acquire a modest home, and once paid out, we may use debt to add strong growth assets to our wealth portfolio. This is called stepping up,” she said.

Ms Oliver believes Australians are using debt wrongly, often using credit cards which is costing them in the long run.

“People are very attached to their credit cards. But credit cards are essentially debt. It’s confronting for someone to be advised to cut up the cards.”

She also pointed to the traps many consumers fall into with online shopping and tap-and-go services, resulting in people churning through money.

“These things have become the norm and, in the majority of cases, are presenting as an addiction.

“Your personal accounting file reveals all, your number demonstrates clearly the impact of overspending and debt addiction on the ability to achieve surplus and accumulate wealth. Once people can read the numbers, they enter into a whole new level of awareness,” Ms Oliver concluded.

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• Yes

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Despite record-low interest rates and changes to credit regulation making it easier for consumers to get a loan, a wealth educator has urged Australians to keep their debt low in order to build wealth.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#9030 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8708 (3) { ["data":protected]=> object(stdClass)#8524 (1) { ["options"]=> object(stdClass)#8526 (2) { ["options0"]=> object(stdClass)#8527 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8525 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8707 (3) { ["data":protected]=> object(stdClass)#8522 (6) { ["hint"]=> string(0) 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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(55) "/save-money/debt-consolidation/when-should-you-use-debt" ["image"]=> string(44) "images/article-826x550/debt-repayment-ne.jpg" ["image_alt"]=> string(24) "When should you use debt" } [3]=> object(stdClass)#8505 (57) { ["id"]=> int(15765) ["title"]=> string(56) "Fresh robodebt allegations delay Centrelink class action" ["alias"]=> string(56) "fresh-robodebt-allegations-delay-centrelink-class-action" ["introtext"]=> string(223) "

New allegations have been added in the class action against the Commonwealth government over the robodebt scheme that saw Services Australia illegally issue debt collection notices to more than 370,000 Australians.

" ["fulltext"]=> string(2256) "

An update from Gordon Legal to members of the robodebt class action case outlined that the Commonwealth had been required to provide the law firm working on behalf of class action members “thousands of documents that are relevant to the operation of the robodebt system”.

According to the firm, the documents were progressively provided “very close to the date on which the trial was scheduled to begin” – which was reported as 21 September 2020.

Subsequent review of the documents by Gordon Legal “bolstered the claims that could be made against the Commonwealth in the class action. Those claims cover specific people who were involved with the implementation of the robodebt system. They also include new claims for exemplary and/or aggravated damages against the Commonwealth.”

Permission was then granted by the court to add the new allegations to the case, which resulted in the Commonwealth being granted more time to prepare so it can attempt to respond to the new claims.

According to Gordon Legal, the rescheduled court commencement date will be determined shortly.

With the court case taking place in Melbourne, the new date could be as early as November this year, or it may be pushed back to early 2021, depending on COVID-19 restrictions, the email outlined.

Gordon Legal said it has a preference for the case to be heard in-person “in the normal way, if that is possible. That is because of the complexity and importance of this case to the six lead applicants and hundreds of thousands of group members.”

The firm has expressed its disappointment that the trial would not be going ahead in line with the original schedule, but told class action members “we think it is more important that we are able to put the best possible case on your behalf”.

Services Australia began rolling out $721 million in refunds for the illegal scheme from July 2020.

Are you entitled to a refund from the scheme? Here’s what you need to do. 

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• Yes

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New allegations have been added in the class action against the Commonwealth government over the robodebt scheme that saw Services Australia illegally issue debt collection notices to more than 370,000 Australians.

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["alias"]=> string(56) "robo-debt-refunds-are-now-available-what-do-i-need-to-do" ["introtext"]=> string(165) "

Refunds from the government’s illegal robodebt scheme are now being rolled out to affected customers – so what do you need to do to receive your refund?

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nestegg has previously explained that there will be two separate processes for refunds, depending on whether or not you currently receive payments from the government. 

If you currently receive payments from Services Australia, you should receive your refund automatically – there is nothing further you need to do.

If you are a past customer but you are eligible for an income compliance refund, it’s important that you update your details online through myGov.

“If you don’t, we can’t process your refund,” Services Australia advised.

To update your details:  

1. Sign into myGov and go to your Centrelink online account – if you do not have one of these, you can register for one.
2. Select the “refund pending” task.
3. Click “start task” and follow the prompts to complete and submit your updated details.

Once your details are updated, you can expect to receive your refund within five business days, according to Services Australia.

It’s expected that the majority of robodebt refunds will be provided to victims by the end of November 2020.

Refunds will include repayments of any recovery fees and interest charges that were applied to the debt, while larger refunds will be paid out in instalments.

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• Yes

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Refunds from the government’s illegal robodebt scheme are now being rolled out to affected customers – so what do you need to do to receive your refund?

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(87) "/save-money/debt-consolidation/robo-debt-refunds-are-now-available-what-do-i-need-to-do" ["image"]=> string(50) "images/article-826x550/people-queueing-line-ne.jpg" ["image_alt"]=> string(17) "Robo-debt refunds" } [5]=> object(stdClass)#8503 (57) { ["id"]=> int(15386) ["title"]=> string(35) "When will I get my robodebt refund?" ["alias"]=> string(34) "when-will-i-get-my-robodebt-refund" ["introtext"]=> string(211) "

With the government’s recent concession that it would be refunding $721 million from robodebt notices, many Australians are wondering when they can expect the money to be returned to their hip pocket.

" ["fulltext"]=> string(2987) "

According to a statement from Services Australia, it’s “soon”.

The government department has revealed that it will be writing to anyone eligible for a refund from mid-July, where those people made repayments on income compliance debts where the debt was raised using averaging of Australian Taxation Office income information.

In cases where no money has been paid towards an eligible debt, Services Australia has indicated that debt would be reduced to zero.

A small number of refunds will be rolled out from early July to test out the refund system.

Robodebt Refunds will then be made from late-July, and Services Australia outlined that it expects most refunds to be paid by the end of November 2020.

Refunds will include repayments of any recovery fees and interest charges that were applied to the debt, while larger refunds will be paid out in installments, according to Services Australia.

What is the process for refunds?

Services Australia said there will be two separate processes for refunds, depending on whether or not you currently receive payments from the government.

If you do currently receive payments, you do not need to get your refund.

If you do not currently receive a Services Australia payment, you’ll need to update your details from late July using your Centrelink online account through myGov.

The government first indicated that it would be refunding all repayments made on debts that were raised wholly or partially using income leveraging of ATO data in late May. 

This was followed by Prime Minister Scott Morrison offering his “deep regret” to individuals who were affected by the scheme. 

In June, he said, “I would deeply regret any hardship that has been caused to people in the conduct of that activity.”

“The business of raising and recovering debts on behalf of taxpayers is a difficult job,” he commented.

---

Did you enjoy this article? You may also be interested in:

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• How will the government’s JobKeeper changes affect you? 
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With the government’s recent concession that it would be refunding $721 million from robodebt notices, many Australians are wondering when they can expect the money to be returned to their hip pocket.

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