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Negotiating effectively with creditors
Negotiating with creditors is at the very core of every FCs role. You advocate for our clients and in doing that you negotiate payment plans, debt waivers, extensions of time frames and more. During this session we want to learn more about negotiation techniques and learn to use them as part of your daily conversations with creditors. But not every creditor is the same, banks and major lenders are more heavily regulated than some of the more challenging creditors such as debt buyers and payday lenders. Let’s look at how debt buyers think and what they want and learn to use that for our and our clients benefit when negotiating with them on behalf of clients.
Outreach for Financial Counsellors e-Learning
This e-Learning module will help you plan and prepare for an outreach session. It has been designed to be both learning tool and reference material, and accompanies the various outreach channels that have been developed as part of FCVic’s Libraries Outreach, Mental Health, Carers and Older Victorians projects.
Participating in systemic advocacy
Legislative requirements on energy retailers to produce best-practice hardship policies, and affordable payment options for annual vehicle registration costs – these are just two examples of what Victorian financial counsellors and members of FCVic have achieved through their systemic advocacy efforts.
Wondering what you can do if you suspect a systemic issue? Learn how you can influence long-term positive social change for people by identifying systemic issues in your practice and contributing to our collective advocacy agenda.
Dr. Sandy Ross, FCVic Executive Officer, will outline the landscape of advocacy within FCVic, including how our organisation is distinct from the other state peaks.
Georgia Robenstone, FCVic Campaigns and Advocacy Manager, will explain how the networks and working groups work together, and how you can become more involved in systemic advocacy as a member of FCVic.
Payday loans and consumer leases
Payday loans and consumer leases PD session was focused on strategies FCs can use to get good outcomes for clients with consumer leases or payday loans, using case studies. The aim if this session is to get inside the business model of payday lenders and explore how to use this knowledge to achieve better outcomes for clients impacted by small amount credit contracts. The first half of the session was focused on payday loans and the second half on consumer leases.
Payday Loans Toolkit (Consumer Action)
Helping your clients with payday loans
Many of the people you help might have difficulty obtaining a much-needed loan and may resort to payday loans. There are many hidden costs in a payday loan that they might not be aware of.
In this toolkit, you’ll find out:
- The various costs involved for someone when they take out a payday loan
- The laws that payday lenders are required to comply with
- How to help your client if they’ve taken out a payday loan
This toolkit consists of:
- A guide for community workers
- Accompanying information resource for your clients
Financial counselling can be a tough job. We all know how challenging it can be dealing with clients who have experienced a traumatic event, are distressed, or are vulnerable in one way or another. Often times their frustrations and pain can spill over to us – the person trying to help. How do we look after ourselves?
Often we seek support by turning to the first person available – our colleague right next to us. And that’s a good thing – to reach out and talk. But how do we do this in a way that is most productive?
The Peer2Peer debriefing webinar will give you a framework to assist you with an informal debriefing from these situations – whether you’re the one needing to talk, or the person who’s assisting a colleague. I’m sure we’ve all been on both sides! It’ll also give you some simple strategies for looking after your own well-being in a high-pressure environment.