- Info@sultanlegal.com.au
- +61 2 8029 0269
You paid for a product or policy. What you got didn't match the promise—or the law. You've tried to resolve it, maybe more than once. But the company won't budge.
Sultan Legal steps in when rights under the Australian Consumer Law or your insurance contract aren't being respected.
We know the fine print. We've advised both sides—insurers and consumers—and we understand how disputes unfold in real life, not just on paper.
Step 1: Contract and Claim Review
Whether it's an insurance policy or a product warranty, we read the fine print. Identify breaches, misleading conduct or insurer obligations under law.
Step 2: Formal Complaint or Demand
We prepare letters that apply the Australian Consumer Law, General Insurance Code of Practice, or Corporations Act obligations—clearly and forcefully.
Step 3: Regulator Engagement or Dispute Resolution
Some matters go through AFCA (for insurers) or NSW Fair Trading (for retailers and traders). We file and manage submissions and hearings.
Step 4: NCAT or Court Action
If resolution stalls, we initiate proceedings in NCAT or relevant courts—Local, District or even Federal Circuit Court, depending on the matter.
Step 5: Final Enforcement
If orders are made—compensation, replacement, refunds, or policy payout—we enforce them through legislation.nsw.gov.au channels if compliance isn't voluntary.
What does "misleading conduct" mean?
If a business makes a claim—verbally or in writing—that turns out false or gives the wrong impression, that's misleading. It's illegal under the ACL.
My insurer won't pay—what now?
You may have grounds under the Insurance Contracts Act. We assess your PDS, claim, and delay. If they've breached their duty, you can escalate.
Can I go to NCAT for a faulty product?
Yes—if it's under $100,000 and involves a good or service bought in NSW. You must usually try to resolve it through Fair Trading first.
Do I need to go to court?
Not always. Many disputes resolve through complaints or mediation. But if that fails, legal action might be your best (or only) option.
Is there a time limit?
Yes. For consumer matters, usually six years from the breach. For insurance, timeframes vary by policy and claim type. Best not to delay.
When a company ignores your rights—or an insurer plays hardball—it's time to get legal clarity. Sultan Legal cuts through the noise. We focus on outcomes, not red tape.
If your refund, claim, or coverage is stuck, let's talk.