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We don’t usually praise a bank. But—well done NAB!

Sunday, October 15, 2017

First we said that NAB had ‘trashed its own small business brand’. We said this in March this year because of NAB’s lie that it had made its small business finance contracts comply with the unfair contract laws.

Last week we expressed tentative praise for NAB after it had ditched its bad contracts and come up with new ones. NAB’s self-congratulatory PR seemed to indicate a major step forward. But we said we’d check its standard form contract first.  More...


Australia’s economy is restructuring in a way no other economy is

Friday, September 08, 2017

We don’t know if the two are related, but

Australia’s economic growth is unexpectedly surging beyond expectations, and
The unfair contract protections for small business people are really starting to kick in.
Whether the two issues are connected or not, there’s no question that Australia’s economic structure is undergoing reform in a way not happening in any other economy.  More...


Banks forced to change small business contracts. A huge win for fairness!

Thursday, August 24, 2017

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...


Some big wins! More to come? Let’s hope so!

Thursday, August 17, 2017

A few update issues:

Competition law reform. Success!
We reported to you last Sunday on why the ‘effects test’ Bill is opposed by Labor. It’s simple: Follow the money. Coles pays the shoppies’ union who pays the Labor Party. Coles opposes the Bill. Labor opposes the Bill. Well, on Wednesday, the Misuse of Market Power Bill (Effects test) passed Parliament. Here’s the Senate debate  (watch from about 12.52). Labor opposed. The Greens supported the Bill along with other independent Senators. Well done to them in ensuring a fairer deal for small business people and competition! More...


Tackling corruption that’s become institutionalized. The ‘effect’ of corruption on Labor and politics

Sunday, August 13, 2017

Corruption is at its worst when it becomes institutionalized as ‘acceptable’ even ‘required’ business behaviour. It’s at its worst when corruption has political patronage and cover. More...


Billson admits receiving payment from Franchise Council while still an MP

Wednesday, August 09, 2017

The former Abbott Government Small Business Minister, Bruce Billson, has admitted to the ABC that he was receiving payment from the Franchise Council of Australia while still a Member of Parliament. The admission came on the 7.30 Report viewable here.

You might remember that we did battle with Abbott and Billson back in 2015 when they brought in the Unfair Contract Bill limiting it to contracts up to $100,000.  More...


ACCC targets unfair contracts. Franchisors pull in US Vice-President. (What???)

Monday, July 24, 2017

It’s great to report the fabulous work being done by the competition regulator in stamping out unfair contracts. Our ten-year campaign to get the laws in place really is paying off for self-employed small business people. More...


Big end of town to pay on time! Or are they?

Saturday, June 03, 2017

It looks like truly good news. The ‘big end of town’, through the Business Council of Australia, last week launched a new small business ‘pay on time’ code. That is, big businesses signing up to the code have agreed to pay small business suppliers on time. And the Council of Small Business of Australia (COSBA) has endorsed the code.

Let’s be clear. It appears that BCA has moved on the code because the Victorian government has implemented one, the Federal Small Business Ombudsman, Kate Carnell, has been pushing for one and the ‘big end of town’ doesn’t want to see legislation forcing them on this.   More...


Like naughty schoolchildren, banks now complying with unfair contract laws

Thursday, June 01, 2017

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...


Will franchisors get away with it? Vulnerable Workers Bill

Sunday, May 14, 2017

It’s getting close to decision time in the Senate! Remember the 7-Eleven wages fraud scandal exposed by 4Corners/Fairfax late 2015? The scandal has spread since then with Pizza Hut, Domino’s Pizza, Caltex and United Petroleum being caught out underpaying workers.

The Federal government has put forward legislation (The Vulnerable Workers Bill) that will require franchisors to be at least partly responsible if underpayment occurs. We strongly support the Bill. It will force franchisors to properly support the 79,000 small business franchisees to prevent underpayment. More...



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