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We’re most pleased to see the head of the Australian Consumer and Competition Council (ACCC), Rod Sims, call for the unfair contract laws to be given ‘teeth’.  Good on you, Rod. We back you on this one!

The unfair contract laws for small business passed parliament in late 2015. We called the laws ‘A welcome disruption to the economy.’ The passing of the laws was the end of a seven-year campaign by us battling the big end of town. Here’s the history of our campaign. We nearly didn’t succeed, as the dollar limit on contracts was to be set so low as to neuter the laws. But the Senate came to the rescue and amended the laws.  More...

We’re mighty proud of our achievement in securing unfair contract protections for self-employed, small business people. It was a campaign we started in 2009. Here’s our campaign history. It was tough work.

The Australian Bankers Association strongly opposed us and we had several polite but unsuccessful meetings with them. They fought to kill the Bill in 2015, but thanks to some hard work and the Senate our campaign succeeded. The laws started in late 2016. More...

We’re mighty proud of the work we did, over close to a decade, to achieve the 2015 unfair contract laws protecting small business people. Here’s the tracking of our campaign from 2009. And it’s pretty fair to say that, without us, the laws would not have come into existence.

In that long struggle the banks consistently opposed the unfair contract laws. During that campaign one bank, NAB, was found by the courts to have engaged in ‘misleading and deceptive conduct’ in relation to a business mortgage. In our view NAB’s bank officers arguably behaved as they did because NAB’s small business finance contracts seemingly gave them unfair power. More...

Readers might recall our news alert headline, “we’ll only do what we’re made to do!” This was a senior counsel from one of the banks responding to our efforts about eight years ago asking them to support the unfair contract laws.

Then in March this year we said that NAB was trashing its own small business brand because it had, in our view, lied about changing its small business contracts to comply with the now operational unfair contract laws.  More...

If you’ve followed the revelations of the $165 million tax fraud, you’ll know that one of the ATO’s top enforcement officers allegedly sought to cut a deal for his son, one of the ringleaders of the fraud. 

This case, of which we’ll hear lots more, highlights how self-employed people can get caught up in scams quite quickly. The ACCC is always warning us about scams and it pays to keep watch on the ACCC scam websites: here and here.   More...

The National Australia Bank (NAB) has been caught out, in our view, in bald-faced lying to its small business customers. In so doing, it has trashed its own brand. Again, our view is that, for small business people, NAB has just declared that it can’t be trusted.

The issue arises from NAB’s issuing arguably false advice to its small business customers that it has amended its loan contracts to comply with the new unfair contract laws. We obtained a copy of the NAB advice and its new 100-page contract and forwarded them to Robert Gottliebsen of The Australian, initially thinking that this was a ‘good news’ story. But NO!! More...

We’re heavily involved in assisting to organise the National Small Business Conference (Melbourne, 11-12 August)  which we strongly recommend you consider attending, if you have the time.

The conference is ‘into’ innovation. But there are limits! Watch this very funny YouTube clip presented by US comedienne Julia Louis-Dreyfus. It’s amazing what innovators can do with the humble AA battery! Ha! More...

There’s a pretty dispiriting battle going on at the moment between the big superannuation funds over who gets to control the billions of dollars of ordinary workers’ superannuation money.

The Assistant Treasurer, Kelly O’Dwyer, is trying to bring in superannuation fund disclosure laws that were actually urged by Labor’s own 2010 review into superannuation. Here’s the Treasury discussion paper on superannuation disclosure. More...

There’s an important debate happening at the moment about whether small business people can effectively compete in an allegedly open ‘competitive’ Australian economy.

It’s to do with whether or not the ‘effects’ test is introduced. It’s about how to stop big business abusing dominant market power. Big business strongly opposes the effects test. Small business (including us) strongly supports the change. More...

Big business is angry that the Abbott government is proposing to make anti-competitive behaviour by them more difficult. New laws would restrict big businesses from abusing their market power. Small Business Minister Bruce Billson has hit back saying big business is talking “utter nonsense”. We agree.

Just recently, Coles had to refund $12m to 200 suppliers due to unconscionable conduct by Coles. And the competition regulator (ACCC) is finally responding to evidence of big business cartels in the construction industry. What’s odd is that unions and Labor seem be lining up with big business on this. More...