If you’ve been charged or found guilty for tipping, you may need to contact your bank or credit union to report the charge.
The Australian Consumer Law Reform Act 2013 (ACLRA) makes it a criminal offence for anyone to: tip another person; or ask another person for a payment.
If you or anyone you know is charged with a charge, the charge may affect how much money you get.
If your bank has any information about the charge, they may be able to provide you with a statement about how much you can expect to pay.
Your bank can also ask you for information about how your account is linked to the charge and how much they can collect.
You may be asked to pay an amount of money to your bank to report your charges and obtain any further information about them.
If the charge has been dropped or the charges are resolved, you should be given the option to dispute the charge with the bank.
You can dispute the charges with your bank by contacting the bank directly or by calling the Banking Services Customer Assistance Centre on 1300 333 300.
If a charge is dropped or settled, your credit card provider may not be able get information about your account.
To dispute the debt, contact your credit union.
If it’s settled, you can contact your card provider for a full repayment.
However, you won’t get a refund from your credit provider.
If they haven’t dealt with your debt and the debt is not covered by a credit card, you might have to pay the full amount.
For example, if your bank charges you a charge of $20 for a credit statement, you could get a $20 bill from your bank.
The bank might then have to send you a bill.
If so, you’ll need to pay that amount or the balance of the charge you’re owed will be added to your credit limit.
You should keep a record of any outstanding debt.
The debt you’ve paid should show up on your credit report.
For more information on dispute of charges and credit cards, go to the Consumer Credit Reporting Act (CCCRA).
Your credit card company can provide you a copy of the credit card statement you received from the credit union, which may be useful to dispute any debt you may have.
You must give your credit providers a copy if you want to dispute a charge or credit card.
You’ll be able request a copy from your card company if you dispute a debt that’s been settled or has been settled.
You don’t need to give your card issuer the details of the debt or the credit limit if you’re unable to pay it.