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Family cops $2k fine for little known offence

<p>A family in Sydney have been repeatedly fined for parking their car in their own driveway. </p> <p>Jane Mansfield, who lives in Sydney's south-west with her family of six, started copping fines for her parked car six months ago. </p> <div> <article> <div id="outbrain_widget_1" data-src="//9now.nine.com.au/a-current-affair/sydney-family-cops-repeated-fines-for-parking-car-in-their-own-driveway/58653db4-cd4f-41be-9f29-0d0d2a678394" data-widget-id="AR_1" data-external-id="63f8b8e389687ebfeb24eb9bf5179b0b" data-ob-mark="true" data-browser="safari" data-os="macintel" data-dynload="" data-idx="1"> <p>"All up we're due to pay about $2,000 on a finance plan at the moment," she told <em>A Current Affair</em>.</p> <p>Both Jane and her husband each received one fine for parking slightly over the curb in their driveway, with both of them accepting the fine and putting them on a payment plan. </p> <p>"Then we tried to do the right thing by pulling the car onto the driveway further, and got another fine," Mansfield said.</p> <p>"Well, apparently, you need to go past the letterbox, and even being slightly out ... is not allowed. So I'm thinking, where am I meant to put my car?"</p> <p>According to the fine, the offence was for stopping on or across a driveway - which is her own.</p> <p>Each fine they have received is worth $320 and Mansfield claimed she is now running out of patience and money trying to keep up with the ridiculous fines. </p> <p>"Four children, rent's gone up, electricity, everything's gone up bill wise, so $2,000 to us is a huge amount," Mansfield said.</p> <p><em>Image credits: A Current Affair </em></p> </div> </article> </div>

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Mother of baby scalded in park makes sad admission

<p>The mother of baby Luka, who was just nine-months-old when he was attacked by a stranger in a Brisbane park, has made a heartbreaking admission about her son's healing process. </p> <p>Baby Luka and his mother were enjoying the sun in Hanlon Park on August 27th when a stranger approached and poured boiling hot coffee over the baby boy. </p> <p>The nine-month-old was rushed to hospital, while the man accused of the attack remains at large. </p> <p>Luka, now one-year-old suffered serious burns to 60 per cent of his body, including his face, upper body and arms, and has undergone seven operations since the attack. </p> <p>The young boy's mum has now revealed that it may take her son up to one year to fully recover as he heals from the mental, emotional and physical damages from the attack. </p> <p>"In those first few weeks, we had no idea what his future was going to look like, especially because the burns were so significant," she told <a href="https://www.couriermail.com.au/news/queensland/baby-luka-on-the-road-to-recovery-after-hot-coffee-attack-but-suspect-years-from-day-in-court/news-story/c6dd3c9c8f68d493faba84a655e7cf90" target="_blank" rel="nofollow noreferrer noopener"><em>The Courier Mail</em>.</a></p> <p>"He didn't have a bath for, like, a month when he had all the bandages, and when we poured water over his head when we had a bath, he started screaming."</p> <p>Luka's mum said her son was still "wary" around people and had become shy when in a group setting, as opposed to his confidence around others before the incident. </p> <p>The woman went on to say her son's skin had "healed really well" since the synthetic skin grafts; however, his dad explained it would take years for the scars to settle. </p> <p>"We are definitely optimistic at this point, he already looks better than we ever thought," Luka's father said. </p> <p>"Hopefully by the time he becomes a teenager you won't even be able to see the scars anymore."</p> <p><em>Image credits: 9News / Facebook</em></p>

Family & Pets

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Hero kindergarten teacher remembered at community park vigil

<p>Hundreds of people have gathered in a vigil to honour Eleanor Bryant, the speech pathologist killed by an <a href="https://www.oversixty.com.au/health/caring/heroic-kindergarten-teacher-identified-after-horror-crash" target="_blank" rel="noopener">out-of-control water tanker</a> that crashed into a Victorian kindergarten earlier this week.</p> <p>Friends, colleagues and first responders gathered at Lions Park in Riddells Creek to pay tribute to the mother of two, with flower tributes growing for the heroic kindergarten teacher. </p> <p>Macedon Ranges Shire Council chief executive Bernie O'Sullivan said the vigil aimed to provide connection and support for the grieving community.</p> <p>"Eleanor Bryant was such a beautiful person and her impact and reach [was received] in such a positive way," O'Sullivan said.</p> <p>"It's still really raw and a massive shock to this tight-knit community in Riddells Creek."</p> <p>The mother-of-two has been remembered by her family for her caring and down-to-earth nature. </p> <p>"She was the light of our lives: a cherished mother, wife, daughter and sister, and beloved by all her family and enormous network of friends," they previously said in a <a href="https://www.oversixty.com.au/health/caring/she-was-the-light-of-our-lives-family-s-tribute-to-hero-kindergarten-teacher" target="_blank" rel="noopener">statement</a>.</p> <p>A three-year-old boy was injured in the crash. </p> <p>The 68-year-old driver of the truck, who was believed to have suffered a medical episode, was taken to hospital but has since been discharged, and no charges have been laid. </p> <p><em>Images: Nine</em></p>

Caring

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Fury over black market for disabled parking permits

<p>An investigation has uncovered a rise in the black market for disabled and mobility permits on online classified sites.</p> <p>According to motoring news outlet <a href="https://www.drive.com.au/caradvice/outrage-after-disabled-parking-permits-spotted-for-sale-online/" target="_blank" rel="noopener"><em>Drive</em></a>, some users around Australia are using Facebook and other social media outlets to sell their unused mobility parking permits to give other drivers unauthorised access to disabled parking spots.</p> <p>The publication unearthed one permit for sale in Sydney was priced at $500 and valid until 2028.</p> <p>The permit was equipped with the holder, photo ID, and a description stating the buyer will get free unmetered parking and that the permit is valid Australia-wide.</p> <p>A spokesperson for Transport NSW told <em>Drive</em> this practice is illegal and carries large fines for both the purchaser and seller, adding that the permit holder is subject to cancellation for misuse.</p> <p>“The sale of mobility parking permits online is illegal, and Transport for NSW urges anyone who is aware of this happening to report it to NSW Police," the spokesperson said. “These permits are reserved only for people with permanent or temporary mobility challenges as assessed by a medical professional."</p> <p>“The regulatory penalty for misuse of a permit is currently a penalty notice of $818 or a maximum court-imposed penalty of $2200 under the Road Transport (General) Regulation 2021. This includes ‘permitting another person to have possession of it’.”</p> <p>A spokesperson for the Department of Social Services Australia went on to stress the importance of not buying a mobility parking permit if you are not legally entitled to one.</p> <p>“Australia’s Disability Strategy recognises that people with disability should be supported to live more accessible and connected lives within their communities, including being able to fully participate in social, recreational, and cultural events," the spokesperson said.</p> <p>“The inappropriate use of accessible parking spaces can negatively impact people with disability.”</p> <p><em>Image credits: Drive / Facebook</em></p>

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China expert reveals new theory on why man scalded baby in park

<p>An expert on Chinese social issues has shed new light on the potential motive behind the attack on a baby in a Brisbane park. </p> <p>In August, nine-month-old Luka was enjoying Hanlon Park with his mother when the man poured boiling hot coffee on the infant before fleeing the scene. </p> <p>Police identified the attacker as a 33-year-old man from China, who travelled to his home country after the attack, evading capture by police. </p> <p>As many hypothesise about the <a href="https://oversixty.com.au/health/caring/alleged-motive-of-man-who-scalded-baby-revealed" target="_blank" rel="noopener">motive</a> behind the attack, Will Sterzel, a prominent critic of the Chinese Communist Party (CCP), said the attack follows a trend of similar attacks in China. </p> <p>Sterzel, who lived in China for 14 years but left for America after the CCP criticised his vocalness over his frustration with the government, explained that the man's attack on baby Luka is reflective of his own social life and displeasure with state bureaucracy. </p> <p>"When his latest application for a visa was rejected, he did what so many in China do: lashed out and took revenge on society by attacking a child," Mr Sterzel said.</p> <p>"He even said to his friend that he wanted to take revenge on white people."</p> <p>According to Mr Sterzel, the phenomenon reflects a deep-seated frustration that some Chinese nationals feel about the living conditions under the ruling Communist Party.</p> <p>"What it boils down to at the root of it all is injustice," Mr Sterzel claimed. </p> <p>He went on to explain that China lacks government support - such as mental health services, public funds or charities - for those in situations of misfortune, prompting many people to lash out. </p> <p>"When you're down on your luck the government will not help you in China, there are no social programs and if your family isn't willing to float you you're done for," Mr Sterzel said.</p> <p>"There simply are no mental health facilities or systems in place to deal with mental health. So, when people snap and are at wit's end they have no recourse, they're not allowed to blame the government, they cannot strike or protest or petition or take action."</p> <p>"They have nowhere to turn and so they selfishly lash out at society trying to inflict as much damage as possible and in China children are the most precious and important part of society."</p> <p>Mr Sterzel explained that children in China are faced with a lot of responsibility, and are often forced to be providers for their entire family. </p> <p>"All that the entire family's future rides on how good a job the child gets," Mr Sterzel said.</p> <p>"So, by attacking and murdering young children these disgruntled cowards inflict huge damage to society disrupting the plans and livelihoods of multiple generations. The grandparents can no longer retire, the parents' lives are destroyed and China's already shrinking demographics get smaller."</p> <p>"They have inflicted maximum damage to society."</p> <p>Mr Sterzel stressed that "revenge against society" attacks were not cultural tradition, adding, "This is a problem that's continuing to grow in China and unfortunately get exported abroad."</p> <p><em>Image credits: Queensland Police / 9News</em></p>

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Man accused of scalding baby in park identified

<p>The man accused of pouring scalding hot coffee over a nine-month-old baby in a Brisbane park has finally been identified, after fleeing the country. </p> <p>On August 27th, baby Luka was in Hanlon Park with his mother when a man approached them and poured hot coffee over the infant, leaving him with lifelong injuries. </p> <p>The man then fled the country before he could be identified or detained by police. </p> <p>Now, the man in question has now been identified as a 33-year-old Chinese national who was in Australia on a student visa. </p> <p>He allegedly fled the scene after gravely injuring the child and drove over the state border to Sydney, where he flew out of the country on August 31st.</p> <p>Queensland Police have since put an arrest warrant out for the man for intending to cause grievous bodily harm, which carried a maximum penalty of a life sentence.</p> <p>Police said he had no family or criminal record in Australia and had previously worked in Queensland, NSW and Victoria, with Chinese media reporting that the man was born in Hangzhou, China.</p> <p>“Queensland Police are working with national and international partner agencies to progress this investigation further,” a statement from Queensland Police said.</p> <p>Speaking to <em>4BC</em> Radio on Thursday morning, Acting Assistant Police Commissioner Andrew Massingham said police were “very much committed” to arresting the man. </p> <p>“Our international search continues for the person that committed that horrendous crime,” he said. “That child will have those injuries for life.”</p> <p> Queensland Police Detective Inspector Paul Dalton previously revealed the man fled the country just 12 hours after they identified him.</p> <p>“Detectives are devastated that they missed this person by 12 hours. I was deflated, but that deflation quickly turns into determination and resilience to get the job done.”</p> <p><em>Image credits: 9News / Queensland Police</em></p> <p> </p>

Caring

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Medicare is covering less of specialist visits. But why are doctors’ fees so high in the first place?

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/susan-j-mendez-2219444">Susan J. Méndez</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p>Fees for medical specialists are going up faster than <a href="https://www.abc.net.au/news/2024-09-25/medicare-rebates-only-covering-half-of-specialist-costs/104389360">Medicare rebates</a>, leading to a bigger gap for patients to pay.</p> <p>Recent data from the <a href="https://www.aihw.gov.au/reports/medicare/mbs-funded-services-data/contents/summary">Australian Institute of Health and Welfare</a> shows that in the first quarter of this year, Medicare rebates covered just over half (52%) of the total fees. This is <a href="https://www.abc.net.au/news/2024-09-25/medicare-rebates-only-covering-half-of-specialist-costs/104389360">down from 72%</a> two decades ago, and the lowest proportion on record.</p> <p>Doctors can charge what they like, while the government determines the Medicare rebate. The difference between the two, or the gap, is what impacts patients. For GPs, the government provides an incentive for doctors to <a href="https://www.health.gov.au/our-work/increases-to-bulk-billing-incentive-payments#1-november-2023-changes">bulk bill</a>, but there’s no such incentive for other specialists.</p> <p>Doctors blame large gap payments on rebates being too low, and they’re partly right. After adjusting for inflation and increasing demand, the average dollar amount one person receives in Medicare rebates annually dropped from <a href="https://www.aihw.gov.au/reports/medical-specialists/referred-medical-specialist-attendances">A$349 to $341</a> over the past decade.</p> <p>But this is only a part of the problem. When many people can’t afford hundreds (if not thousands) of dollars for essential specialist care, we need to look at why fees are so high.</p> <h2>How do specialists set their fees?</h2> <p>Although general practice is technically a speciality, when we talk about medical specialists in this article, we’re talking about non-GP specialists. These might include paediatricians, oncologists, psychiatrists and dermatologists, among many others.</p> <p>In determining fees, specialists consider a combination of patient-level, doctor-level and system-level factors.</p> <p>Patient characteristics, such as the complexity of the patient’s medical condition, may increase the price. This is because more complex patients may require more time and resources.</p> <p>Specialists, based on their experience, perceived skill level, or ethical considerations, may charge more or less. For example, <a href="https://www.sciencedirect.com/science/article/pii/S0277953623007104?via%3Dihub">some specialists report</a> they offer discounts to certain groups, such as children or pensioners.</p> <p>System-level factors including the cost of running a practice (such as employing staff) and practice location also play a role.</p> <p>Problems arise when prices vary considerably, as this often signals limited competition or excessive market power. This holds true for medical services, where patients have little control over prices and rely heavily on their doctors’ recommendations.</p> <p>In <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4909881">recent research</a>, my colleagues and I found fees varied significantly between specialists in the same field. In some cases the most expensive specialist charged more than double what the cheapest one did.</p> <h2>Doctor characteristics influence fee-setting</h2> <p>My colleagues and I <a href="https://doi.org/10.1016/j.healthpol.2024.105119">recently analysed</a> millions of private hospital claims from 2012 to 2019 in Australia. We found the wide variation in fees was largely due to differences between individual doctors, rather than factors such as patient complexity or the differences we’d expect to see between specialties.</p> <p>Up to 65% of the variance in total fees and 72% in out-of-pocket payments could be attributed to differences between doctors in the same field.</p> <p>To understand what doctor-level factors drive high fees, <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4909881">we looked at</a> data from a representative survey of specialists. We found older specialists have lower fees and higher rates of bulk billing. Practice owners tended to charge higher fees.</p> <p>We also found doctors’ personalities affect how much they charge and how often they bulk bill patients. Doctors who scored more highly on the personality trait of agreeableness were more likely to bulk bill patients, while those who scored more highly on neuroticism tended to charge higher fees.</p> <p>What we couldn’t show is any evidence fees were associated with competition.</p> <h2>Effects on patients</h2> <p>This is not a competitive market. On the contrary, it has high entry restrictions (long training requirements) and a limited supply of specialists, particularly in <a href="https://www.aihw.gov.au/reports/workforce/health-workforce">rural and remote areas</a>. Meanwhile, patients’ access is controlled by the need for referrals which expire, generally after a year.</p> <p>Patients are often unable to shop around or make informed decisions about their care due to a lack of information about the true cost and quality of services.</p> <p>For private hospital services, the fee structure is complicated by the fact that several providers (for example, surgeon, anaesthetist, assistant surgeon) bill separately, making it difficult for patients to know the total cost upfront.</p> <p>Despite efforts to introduce price transparency in recent years, such as through the government’s <a href="https://medicalcostsfinder.health.gov.au/">Medical Costs Finder</a> website, the system remains far from clear. Reporting is voluntary and the <a href="https://doi.org/10.1016/j.healthpol.2020.06.001">evidence is mixed</a> on whether these tools effectively reduce prices or increase competition.</p> <p>All of this contributes to high and unpredictable out-of-pocket costs, which can lead to financial strain for patients. About <a href="https://www.abs.gov.au/statistics/health/health-services/patient-experiences/latest-release#barriers-to-health-service-use">10.5% of Australians</a> reported cost was a reason for delaying or avoiding a specialist visit in 2022–23.</p> <p>This raises important questions about equity and the sustainability of Australia’s universal health-care system, which is built on the principle of equitable access to care for all citizens.</p> <h2>What can be done?</h2> <p>Patients can take steps to minimise their costs by proactively seeking information. This includes asking your GP for a range of options when you’re referred to a specialist. Note the referral from your GP can be used for any other doctor in the same specialty.</p> <p>Similarly, ask the specialist’s receptionist what the fee and rebate will be before making an appointment, or for a <a href="https://www.ama.com.au/articles/informed-financial-consent#Two">detailed quote</a> before going to hospital. Shop around if it’s too high.</p> <p>But responsibility doesn’t only lie with patients. For example, the government could seek to address this issue by increasing investment in public hospital outpatient care, which could boost competition for specialists. It could also publish the range of fees compared to the rebate for all Medicare-billed consultations, rather than relying on voluntary reporting by doctors.</p> <p>Price transparency alone is not enough. Patients also need quality information and better guidance to navigate the health-care system. So continued investment in improving health literacy and care coordination is important.</p> <p>If things don’t change, the financial burden on patients is likely to continue growing, undermining both individual health outcomes and the broader goals of equitable health-care access.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/239827/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/susan-j-mendez-2219444">Susan J. Méndez</a>, Senior Research Fellow, Melbourne Institute of Applied Economic and Social Research, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/medicare-is-covering-less-of-specialist-visits-but-why-are-doctors-fees-so-high-in-the-first-place-239827">original article</a>.</em></p> </div>

Money & Banking

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"It's just not OK": Parking inspectors under fire for fining innocent drivers

<p>Melbourne drivers are being hit with parking fines despite not doing anything wrong, raising questions about the legitimacy of the infringement notices. </p> <p>Emma Hodgkinson from Essendon told<em> 9News</em> that she was fined for supposedly overstaying in a two-hour parking zone. </p> <p>"I was furious, it's just not OK" she told the publication. </p> <p>Hodkinson had only left her house 40 minutes prior to the time stamp on the fine, and used CCTV footage from her home to prove it. </p> <p>"When I saw the timecode on the footage and I compared it to the time on the ticket I realised I hadn't done anything wrong and it was their mistake," she said.</p> <p>Many other drivers have had similar experiences, with one man from Richmond saying he received a $99 penalty earlier this month, despite having almost an hour left on his Pay Stay app. </p> <p>Another driver was fined by Stonnington Council who said he had parked for more than two hours even though he'd only been there for about 20 minutes. </p> <p>In most of these examples, many other cars in the same area had also been fined. </p> <p>"I was able to prove I was innocent but how are [the other drivers] going to be able to prove that?" Hodgkinson said.</p> <p>Council Watch representative Dean Hurlston said the reason why innocent drivers are being fined could be because council parking inspectors have to hit their quotas. </p> <p>"We know the job of a parking inspector is well paid for good reason," he told <em>9News</em>.</p> <p>"They definitely have quotas. Councils need money, they're cash strapped. This is a way to gouge and raise revenue."</p> <p>If you've been unfairly fined, it is important to collect as much evidence as possible, including photos and screenshots. </p> <p><em>Image: Nine News</em></p>

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Neighbour's "petty" act against "obnoxious" driver

<p>A Sydney resident has detailed her "petty" move against her neighbour after becoming fed up with his "obnoxious" parking.</p> <p>Venting about her neighbour online, the Manly resident claimed the man's "over loud, oversized vehicle permanently sticks out from his property, partially blocking footpath". </p> <p>While he was parked in his own driveway, blocking the footpath is illegal and can attract a $283 fine, sometimes more in other council areas across the country. </p> <p>"This noise-polluting monstrosity should be banned, or at least parked on the street (preferably not ours)," she said, attaching a picture of a large ute with its tray sticking out on the footpath. </p> <p>In an attempt to put an end to the "grubby" behaviour, the resident said she reported her neighbour to the Northern Beaches council. </p> <p>The council website states: "residents must not park in or across a driveway (even your own)," to ensure pedestrian safety and access.</p> <p>"Ensure your car is within the front boundary of the property or parked safely in the street."</p> <p>The council told <em>Yahoo News Australia</em> that after the incident was reported via Snap, Snap, Solve, the driver was fined.</p> <p>Officers have reportedly been proactively patrolling the area since, and found no repeated instances. </p> <p>However, the woman was shocked to see  see the driver's "pride and joy still there" in the driveway. </p> <p>"Today I received an email from council saying the matter has been resolved. Do council not care or is this an insufficient crime for any action to be taken?" she asked other residents on Facebook. </p> <p>Her post has divided residents, while most people agreed with her, others told her to mind her business. </p> <p>"I’m surprised he doesn’t get booked as he is blocking the footpath for prams and wheelchairs," one person said.</p> <p>"That’s kind of dangerous. Plus disabled or kids on bikes could slam into it," another added. </p> <p>"Car park is sh*te but it doesn’t seem like it’s affecting you. Take a deep breath and stop working yourself up over things that really don’t matter," someone else argued. </p> <p>"You sound like one of those neighbours that sticks their noses into other people's business," another added. </p> <p><em>Images: Shutterstock/ Facebook</em></p>

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"Drivers deserve better": Huge win for motorists over parking fines

<p>In a move to stop unsuspecting drivers being hit with unfair parking fines, NSW councils will soon be banned from issuing a fine without a physical ticket. </p> <p>Finance Minister Courtney Houssos will legislate to effectively ban ticketless parking fines after council raked in $155 million in sneaky fines last year.</p> <p>Ms Houssos will introduce legislation later in September, which will require parking rangers to attach an “on-the-spot notification” to a car which gets a fine either in the form of a sticker or a traditional parking ticket.</p> <p>Ticketless parking fines were first introduced under former Premier Gladys Berejiklian in 2020, with councils issuing a whopping 822,310 ticketless parking fines last financial year, up almost 50 per cent from the year before.</p> <p>Ms Houssos said forcing councils to leave a note telling drivers they had been fined, rather than waiting for a fine to come ion the mail weeks later, was a victory for common sense.</p> <p>"No one ever likes to get a parking fine, but the idea you only find out about a fine weeks later doesn’t pass the common sense test,” she said.</p> <p>“Frustration among drivers and community members about the ticketless parking system is high – and that’s fair enough. The ticketless parking fine system was introduced by the previous government without regard for the impact on drivers and families,” she said.</p> <p>NSW Premier Chris Minns also backed the move, saying, “Drivers deserve better than the current system."</p> <p>In certain limited circumstances, rangers will be able to issue a fine without leaving a ticket, but only if they install new-warning signs, which could include areas where there is no phone reception, like national parks, or in timed enclosed car parks.</p> <p>NRMA Spokesman Peter Khoury said the government’s changes will rebuild public confidence, saying, “Ticketless parking fines removed transparency and made it almost impossible for motorists to contest their fine if they felt they had a legitimate case.”</p> <p><em>Image credits: Shutterstock </em></p>

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Jackie O breaks down over baby scalded in Brisbane park

<p>Jackie O has broken down live on air while talking to the heartbroken mother whose baby boy was scalded in a Brisbane Park. </p> <p>Baby Luka and his mother were enjoying the sun in Hanlon Park on August 27th when a stranger approached and poured boiling hot coffee over the baby boy. </p> <p>Luka has since undergone three surgeries, while the man accused of the horrific attack has allegedly fled the country, according to police. </p> <p>The grief-stricken mother, who has not been publicly identified, spoke with Kyle and Jackie O on Friday morning and said her infant son will continue to have surgery every four days for the next four weeks at the least, as doctors attempt to repair the nine-month-old’s burns.</p> <p>“After that it's once a week for two weeks. And then it should okay, all going well and everything healing,” she said. “But then after there's scar management stuff as well on top of that.”</p> <p>The mother provided a heartwarming update on Luka’s progress after he was released from hospital on Monday, saying he is “smiling” and “walking”.  </p> <p>"He's not letting this - he (the alleged attacker) hasn't taken away my son's soul,” she said.</p> <p>“Like, he is beautiful, and he is strong, and he is brave and resilient. And I'm so lucky to be his mum. I'm just really sad this has happened."</p> <p>Jackie O was visibly moved while talking to the woman, breaking down in tears live on air. </p> <p>The KIISFM host told Luka's mother, "You can't imagine that kind of evil, and your poor bubba, it's so evil."</p> <p>"It makes you so angry because he's just a little innocent boy who never did anything to anyone," she added as she became overwhelmed with emotion.</p> <p>Her co-host Kyle Sandilands also shared his devastation as he admitted he was left in floods of tears when he first heard of Luka's brutal injuries on the news.</p> <p>"In all honesty, I was in tears in the lounge when I saw the story. Everyone understands it's s**t, but when you've got your own child running around you while you're in tears watching the news," he shared.</p> <p>Kyle and Jackie vowed to give $10,000 to the <a href="https://www.gofundme.com/f/baby-lukas-medical-treatments" target="_blank" rel="noopener">GoFundMe</a> set up to help raise funds for Luka's hospital treatment, adding to the $160,000 that has already been donated.</p> <p>With an original target of just $5,000, the mother gushed, "I cannot believe the generosity of the community and you know, it warms my heart and, you know, all the messages and the kindness and yeah, it makes the process a little bit easier."</p> <p><em>Image credits: KIISFM / 9News</em></p>

Caring

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Surcharges are added to most purchases, but what are the rules behind these extra fees?

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/steve-worthington-138">Steve Worthington</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p>You head to the register at the cafe to pay for your lunch, swipe your card and suddenly realise you’ve been hit with an extra small but unexpected charge.</p> <p>It might be listed on your receipt as a service or merchant fee, but either way it’s because you’ve used a credit or debit card.</p> <p>With the pandemic accelerating the use of cards instead of cash – <a href="https://www.rba.gov.au/publications/bulletin/2023/jun/cash-use-and-attitudes-in-australia.html#:%7E:text=Cash%20payments,-The%20CPS%20suggests&amp;text=In%20value%20terms%2C%20the%20cash,cent%20by%20value%20in%202022.">only 13% of Australians use cash</a>, dropping from 27% in the last five years – these extra charges have become mainstream.</p> <p>However, as was highlighted by National Australia Bank chief executive Andrew Irvine during a <a href="https://www.aph.gov.au/Parliamentary_Business/Committees/Joint/Corporations_and_Financial_Services/FinancialAbuse">parliamentary inquiry</a> into bank charges last week, they are often applied, in varying amounts, by businesses for reasons not always in line with their original purpose.</p> <p>Irvine slammed as <a href="https://www.afr.com/companies/financial-services/credit-card-surcharges-should-be-banned-or-regulated-nab-boss-says-20240830-p5k6jm">“outrageous”</a> a 10% surcharge he was forced to pay when he recently bought a cup of coffee at a Sydney cafe. “I don’t like the lack of transparency and lack of consistency,” he said.</p> <p>But most Australians are making these extra payments every day, without question. So how did this end up happening – and what can you do about it?</p> <h2>Card surcharges in Australia</h2> <p>At the start of this century, payments for goods and services were mainly made by cash, paper cheques, credit and debit cards.</p> <p>The first two of these options would eventually be deposited into a bank account by the merchant who ran the business. The latter two would be processed by the bank or financial institution which would charge the business a merchant service fee.</p> <p>For debit cards this might be a fixed fee. But for credit cards it would be proportionate with the value of the goods or services.</p> <p>The Reserve Bank of Australia became concerned the use of credit cards was greater than that of debit cards and <a href="https://www.rba.gov.au/publications/consultations/201106-review-card-surcharging/background.html">introduced surcharging in January 2003</a>. The intention was to lower the cost to the merchant of accepting debit cards and change customer behaviour.</p> <p>This has been achieved, as both the volume and value of paying by debit cards now exceeds the volume and value of paying by credit cards.</p> <p>However, the reality in 2024 is that card surcharges have become commonplace, and in a wide variety of payment situations.</p> <h2>It’s estimated to cost us billions</h2> <p>It is difficult to calculate the total cost of surcharging to Australian consumers since they became legal more than 20 years ago, because the rates charged vary widely.</p> <p>But at last week’s inquiry, Labor MP Jerome Laxale suggested it added up to <a href="https://www.smh.com.au/money/banking/card-surcharges-are-costing-us-billions-but-can-they-be-avoided-20240830-p5k6o8.html">A$4 billion</a> in the last year.</p> <p>Surcharges can be imposed by small to medium enterprises such as your local cafe, doctor’s surgery, your energy supplier, or when you use a card to pay your council rates.</p> <p>As an example, my rates are payable by card, with a surcharge of 1.10% for Mastercard and Visa credit, and 0.55% for eftpos and Mastercard and Visa debit cards.</p> <h2>When surcharges can be applied</h2> <p>Many merchants charge the same rate for all their card payments and some fail to alert customers to the extra fee before accepting the payment at their terminal, which they are required to do.</p> <p>Indeed, even on a receipt for payment, the surcharge can be described by the merchant as a “handling” or “merchant” fee.</p> <p>The Australian Competition and Consumer Commission <a href="https://www.accc.gov.au/consumers/pricing/card-surcharges">(ACCC)</a> regulates surcharging and demands the merchant prove a surcharge is justified.</p> <p>Furthermore, the ACCC says if there is no way for a consumer to pay without paying a surcharge – that is, they can’t pay by cash or cheque – then the business must include the surcharge in <a href="https://www.accc.gov.au/business/pricing/price-displays#toc-display-of-surcharges">the displayed price</a>.</p> <h2>Penalties for misuse</h2> <p>The ACCC can take merchants to court to enforce these regulations and there have been some examples of this in recent history.</p> <p>In July 2021, <a href="https://www.accc.gov.au/media-release/nine-entertainment-pays-penalties-for-alleged-excessive-payment-surcharges#:%7E:text=The%20ACCC%20alleged%20that%20these,Deputy%20Chair%20Mick%20Keogh%20said.">Nine Entertainment paid penalties totalling $159,840</a>, plus $450,000 redressing customers, for charging subscribers and advertisers excessive surcharges.</p> <p>The ACCC specifies that the surcharge must not be more than it costs the merchant to use that payment type.</p> <p>As guidance to the merchants, it also offers <a href="https://www.accc.gov.au/consumers/pricing/card-surcharges">the average costs for different payment types</a>: eftpos less than 0.5%, Mastercard and Visa Debit 0.5%–1% and Mastercard and Visa credit 1%–1.5%.</p> <p>However, despite the ACCC setting guidelines for the amounts that can be charged, many surcharges are above this guidance and in some cases more than 2.0% for all cards.</p> <p>Some merchants do charge different surcharging rates, depending on the cards they accept, be it eftpos, Mastercard or Visa. In theory, the surcharge rate is meant to be determined by the merchant service fee, which is negotiated between the merchant and their bank.</p> <p>Larger merchants, such as the supermarkets, department stores and energy companies, can negotiate low rates (reportedly as low as one cent a transaction). But smaller merchants with less negotiating clout will have higher service fees.</p> <p>The arrival of new payment players, such as <a href="https://www.forbes.com/advisor/business/software/square-vs-stripe/">Square and Stripe</a>, has offered businesses an alternative banker of card payments, which can then use surcharging as part of their merchant service fees.</p> <h2>Surcharging overseas</h2> <p>The <a href="https://europa.eu/youreurope/business/finance-funding/making-receiving-payments/electronic-cash-payments/index_en.htm">European Union</a> already has a long-standing ban on surcharging, while in the United States, surcharging is illegal in some states.</p> <p>Other countries, including the United Kingdom, have tried surcharging on card payments, only to abandon them as it was rorted by some merchants and became an unnecessary expense for consumers.</p> <p><a href="https://bluenotes.anz.com/posts/2023/07/anz-news-surcharge-steve-worthington-australia#:%7E:text=In%202018%20the%20UK%20Treasury,their%20hard%2Dearned%20money%E2%80%9D.">A statement</a> released by the UK Treasury when it banned the practice in 2018 described surcharges as</p> <blockquote> <p>Hidden charges for paying with a debit or credit card, which will help millions of UK consumers to avoid rip-off fees when spending their hard earned money.</p> </blockquote> <h2>What can you do about it?</h2> <p>Before surcharging was allowed by the Reserve Bank in January 2003, acceptance by merchants of payments was just another cost of doing business. And it seems many consumers have just accepted surcharges as part of their transactions.</p> <p>There are ways to avoid them, the most obvious being to use cash. Using eftpos involves charges, but they are less than those imposed on credit and debit cards.</p> <p>The Reserve Bank is working on implementing a so-called <a href="https://www.rba.gov.au/payments-and-infrastructure/debit-cards/least-cost-routing/#:%7E:text=What%20is%20least%2Dcost%20routing,'merchant%2Dchoice%20routing'.">“least-cost routing”</a> system that defaults to the lowest cost network when processing payments. Unfortunately, this is yet to be widely adopted by businesses.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/237964/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/steve-worthington-138"><em>Steve Worthington</em></a><em>, Adjunct Professor, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/surcharges-are-added-to-most-purchases-but-what-are-the-rules-behind-these-extra-fees-237964">original article</a>.</em></p> </div>

Money & Banking

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Miracle update on baby boy scalded in public park

<p>The mother of the nine-month-old boy who was scalded in a Brisbane park has shared a positive update on his condition as he awaits his third surgery. </p> <p>Baby Luka and his mother were enjoying the sun in Hanlon Park on August 27th when a stranger approached and poured boiling hot coffee over the baby boy. </p> <p>The nine-month-old was rushed to hospital, while the man accused of the attack remains at large. </p> <p>On Monday, Luka's mother shared that her son is up and walking again for the first time since the attack ahead of a third surgery that she hoped would deliver “more information about the next steps”.</p> <p>“Luka has been incredibly resilient. He’s up and about, walking and causing chaos. He is such a strong little boy and we are so so proud of him,” she said.</p> <p>The woman also confirmed that Luka suffered serious burns, with those under his neck and chest likely to scar, as the prospect of a skin graft has been raised by doctors. </p> <p>She said she had been "blown away" by the support she and her family had received through a GoFundMe campaign set up to pay for Luka's medical expenses.</p> <p>"This GoFundMe will be able to support Luka with all of his ongoing care needs which is truly a weight lifted off our shoulders," the woman said.</p> <p>“Not only that it will also support myself, my family, and ongoing mental health, given the nature of the event this will be an extremely long journey ahead for us all.”</p> <p>The fundraiser, that had a goal of just $5,000, surpassed $110,000 on Monday. </p> <p>Police earlier described the man they wish to speak to in connection to the attack as between 30-40 years old, of a proportionate build, with tanned skin. He was wearing a black hat, glasses, a shirt and shorts at the time Luka was burned. </p> <p><em>Image credits: 9News / Facebook</em></p>

Caring

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New details and pics emerge after baby scalded by stranger in Brisbane park

<p>New photos and details have emerged of the nine-month-old baby who was scalded by a stranger in a park in Brisbane.</p> <p>Police have alleged that a man, between 30 and 40 years old, tipped hot coffee over a baby in Hanlon Park on Wednesday before <a href="https://oversixty.com.au/finance/legal/manhunt-after-stranger-pours-scalding-hot-coffee-on-baby-in-public-park" target="_blank" rel="noopener">fleeing the scene</a>. </p> <p>On Thursday morning, police released new images of a man they wish to speak to in relation to the alleged assault.</p> <p>Police said the man was of an average build and with tanned skin and was wearing a black hat, glasses, a checkered button-up shirt and shorts at the time of the attack. </p> <p>The plea from police comes after an image of the baby in hospital was released, with the nine-month-old completely wrapped in bandages. </p> <p>After the incident, the baby was rushed to Queensland Children's Hospital and has since undergone surgery for burns to his face and chest, reportedly suffering serious burns to 60 per cent of his body including his face, neck, chest and arms.</p> <p>A friend of the baby's mother, Zara Mazza, shared an update with <em>The Project</em> on Wednesday night, recalling how she was sitting down with her own son and looked up to see a man standing above her friend’s nine-month-old baby. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/C_Nruwavg67/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/C_Nruwavg67/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Project (@theprojecttv)</a></p> </div> </blockquote> <p>“This man was standing above him, behind him, and poured a Thermos of hot coffee over him. He just started screaming,” she told the program.</p> <p>Ms Mazza said she tried to chase the man but he was “very fast”, and she tripped while attempting to keep up.</p> <p>“Essentially all I could hear was his mum screaming that it’s hot. ‘It’s hot, it’s hot coffee’, so I ran back and as I ran back picked up my water bottle and dumped it over him,” she said.</p> <p>“I removed him from his mum and we laid him down on the picnic rug and we peeled his clothes away, which revealed the peeling of his skin, his skin had started to blister.”</p> <p>Bystanders reportedly came over with filled water bottles to pour over the baby, before a nurse in training offered up a shower at her nearby apartment so water could constantly be running on him.</p> <p>“Very grateful. The ambulance came really quickly, I think it was within five minutes. Police, too,” Ms Mazza said.</p> <p>“It was chaotic. It happened really quickly.”</p> <p>The baby’s mother is reportedly “really traumatised” after the incident, as Ms Mazza said, “She’s got a lot of anxiety right now. She’s not been able to sleep very well, if at all. So definitely struggling.”</p> <p>“Bub is in a stable condition … they say that he’ll need regular dressing changes under anaesthetic over the next weeks. They don’t know how long, but, yeah. It’s gonna take a while.”</p> <p><em>Image credits: 7News / Queensland Police</em></p>

Caring

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Manhunt after stranger pours scalding hot coffee on baby in public park

<p>Queensland Police have released footage of the man they believe burned a baby with a scalding hot drink in a public park. </p> <p>On Wednesday, the unknown man approached the family at Hanlon Park in Brisbane and poured hot coffee on the nine-month-old baby boy.</p> <p>He was rushed to the Queensland Children’s Hospital with burns to his face, upper body and arms, with the burns covering 60 per cent of his body.</p> <p>Queensland Police have now released CCTV footage from the area, showing a man running from the park.</p> <p>He appears approximately 30 to 40 years old, with a proportionate build and tanned skin, and was wearing a black hat, glasses, a shirt and shorts.</p> <p>Anyone who recognises the man has been urged to contact the police with information. </p> <p>An off-duty nurse heard the commotion in the park from the balcony of her apartment, telling <em><a href="https://7news.com.au/news/footage-of-man-who-burnt-baby-with-hot-drink-at-hanlon-park-in-stones-corner-released-c-15856522" target="_blank" rel="noopener">7News</a></em> she went outside to investigate when she heard screaming. </p> <p>She said she heard the child’s mother yelling “my baby, my baby”.</p> <p>The nurse rushed down to the park to help the boy, taking him to her nearby apartment where he was placed under a cold shower before paramedics arrived.</p> <p>Locals told 7News the attack was “terrible” and they were shocked it had happened in their community.</p> <p>“It’s really scary when you think that we haven’t got a community that looks after our young and vulnerable,” one woman said.</p> <p><em>Image credits: Queensland Police</em></p>

Legal

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Aussie motorist's act of defiance against parking fees

<p>Aussie drivers have been warned against replicating a cheeky way a motorist tried to pay for parking at a cashless parking meter.</p> <p>The motorist wasn't able to pay for his parking charges with a card, so instead they erected a sign in his car with gold coins attached, proving they are good for the parking fees. </p> <p>The driver said the cashless revolution doesn't "suit their lifestyle", but added they are "willing to pay for parking with these coins any day of the week". </p> <p>Despite displaying their method of payment, the  North Sydney Council, who recently upgraded all their parking meters to cashless ones, explained to <em><a href="https://au.finance.yahoo.com/news/major-136-fine-warning-after-fed-up-aussies-3-cashless-act-of-defiance-023528239.html" target="_blank" rel="noopener">Yahoo</a> Finance</em> this method could massively backfire.</p> <p>"The only way to avoid being fined is to comply with the signage restrictions for the space in which you have parked," a Council spokesperson said.</p> <p><span style="background-color: #ffffff;"><span style="color: #1d2228; font-family: YahooSans VF, Yahoo Sans, YahooSans, Helvetica Neue, Helvetica, Arial, sans-serif; font-size: large;"><span style="caret-color: #1d2228;">"In metered spaces, you must pay using our parking meters. You are likely to receive a fine if </span></span></span>you leave a note and do not pay," with parking fines in this council setting you back $136. </p> <p>After the driver's unique payment method garnered attention on social media, many agreed with their sentiment saying there should always be an option for people to pay with cash.</p> <p>"Should always have a cash option," wrote one user, while another said, "How can they expect everyone to be credit card online app savvy anyway and download it while standing in the street? I have so much trouble paying."</p> <p>A third added, "This is a great idea, but the inspectors do not have a sense of humour, they just issue you with a fine."</p> <p><em>Image credits: Facebook</em></p>

Legal

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Gold medallist sleeps in Paris park to protest "disappointing" Olympic village conditions

<p>A gold medallist has been spotted sleeping in a Paris park in protest of the conditions in the Olympic village. </p> <p>Italian swimmer Thomas Ceccon was captured sleeping atop a white towel in a park located inside the Olympic village by Saudi rower Husein Alireza. </p> <p>Alireza posted the photo to Instagram with the caption, "Rest today, conquer tomorrow."</p> <p>The Italian swimmer, who won gold in the 100m backstroke, had already complained publicly about the accommodations in the Olympic Village, after he failed to reach the 200m backstroke final on Wednesday.</p> <p>Since the commencement of the Paris Games, many athletes have spoken out about the conditions in the Olympic village, saying the beds are uncomfortable, the rooms are poorly air conditioned and the food is poor quality. </p> <p>“There is no air-conditioning in the village, it’s hot, the food is bad,” Ceccon said, according to <a href="https://www.thesun.co.uk/sport/29673636/thomas-ceccon-sleeping-park-conditions-olympic-village-paris/" target="_blank" rel="noopener"><em>The Sun</em>. </a></p> <p>“Many athletes move for this reason: it’s not an alibi or an excuse, it’s the reality of what perhaps not everybody knows."</p> <p>“I’m disappointed that I didn’t make the final, but I was too tired. It’s hard to sleep both at night and in the afternoon. Here, I really struggle between the heat and the noise.”</p> <p>Andy Anson, the chief of the British Olympic Association, also voiced concerns about how the quality of the village is affecting athletes, telling <em>The Times of London</em>, “There are not enough of certain foods: eggs, chicken, certain carbohydrates.”</p> <p>“And then there is the quality of the food, with raw meat being served to athletes.”</p> <p>A number of athletes, including the entire US women’s tennis team (with the exception of Coco Gauff) have left the village and searched for alternate accommodation for the duration of the Games. </p> <p><em>Image credits: Instagram/Panoramic/SIPA/SIPA/Shutterstock Editorial </em></p>

Travel Trouble

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Major banks hand over millions in refunds over unfair fees

<p>Four major Australian banks are set to cough up close to $30 million in refunds to low-income customers after the Federal corporate watchdog revealed a pattern in high fees. </p> <p>A new report from the Australian Securities and Investments Commission revealed ANZ, Commonwealth Bank, Westpac, as well as mid-tier Bendigo and Adelaide Bank kept at least two million low-income customers in high-fee accounts.</p> <p>Many of these low-income earners rely on Centrelink payments, and were unfairly slapped with unreasonably high fees. </p> <p>The report followed an ASIC review which focused on improving financial outcomes for First Nations customers by addressing avoidable bank fees.</p> <p>“We focused in this project on the banks who were most likely to have First Nations consumers on low incomes trapped in high-fee accounts,” ASIC commissioner Alan Kirkland said.</p> <p>ASIC said the four banks have committed to moving more than 200,000 customers into low-fee accounts, saving them about $10.7 million a year, with the financial institutions also committed to refunding over $28m in fees to these customers over the next 12 to 18 months.</p> <p>This includes $24.6 million to Aboriginal and Torres Strait Islander students and apprentices receiving ABSTUDY payments, and customers in areas with significant First Nations populations.</p> <p>“At any time ASIC, and the community, expects that the banks will treat their customers fairly,” Mr Kirkland said.</p> <p>“But that’s particularly important for people on low incomes and for people who are struggling to make ends meet, the last thing they need is to have the very little income that they have being eaten away in unnecessary bank fees.”</p> <p>Mr Kirkland added that the implications of ASIC’s latest review applied to all banks across the country.</p> <p>“We’re expecting all of them to read the report and make improvements to their practices to stop other people being trapped in high-fee accounts that they can’t afford,” Mr Kirkland said.</p> <p><em>Image credits: Shutterstock </em></p>

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