THE CHANGING FACE OF DOMESTIC VIOLENCE IN AUSTRALIA

 

Good on you Bettina Arndt

Setting out the true facts in regard to DOMESTIC VIOLENCE

Bettina wrote in Weekend Australia dated 09/10 July 2016, “for years now all the key players in our well-orchestrated domestic violence sector have been singing from the same page, happily accepting government funds to promote the idea that domestic violence is all about dangerous men terrorising their partners”.

Where have all the hundreds of millions of dollars gone that Turnbull has boasted about going towards government funded domestic violence organisations?

Where have the monies gone?

Bettina goes on to say, “what started out as a sensible campaign to raise money for an important cause – providing support for battered women – has morphed into a huge propaganda industry determined to promote a simplistic male – blaming perspective on this complex social issue”.

Bettina refers to the powerful female bureaucrats running these thriving organisations which downplay statistics demonstrating the women’s role in family violence and which organisations promote the myth that the only way to tackle domestic violence is through teaching misogynist men (& boys) on behalf of themselves. Bettina goes on to say, “never mind that this flies in the face of the huge body of research showing most family violence involves aggression from both partners and that sexist attitudes are not a major risk factor for domestic violence in western countries such as Australia”.

Bettina in her article refers to Jim Ogloff a world-renowned researcher on violence who is in charge of research at the Victorian Institute of Forensic Mental Health. He warned the Victorian Royal Commission into Family Violence that it was misleading to suggest domestic violence was caused by patriarchal attitudes, that at least a third of family violence cases involved violent women and that family violence showed high levels of violence in both male and female partners. Violence in a relationship is unacceptable irrespective of gender.

Family violence involves a complex array of behaviors.

The fact is that a significant proportion of family violence against children is perpetrated by women – and this goes largely unreported.

It is our view that the misguided politicians have upped the vote-catching chant and have further distorted the true position in regard to domestic violence. It is not a gender issue. Women are also to blame. It must be treated in its true context of domestic violence is to be eradicated from our society. Solely blaming men is not the answer.

Certain sections of the Judiciary have also fallen into the misconception that men are to blame. It goes both ways. It is too easy for women now to claim domestic violence and have the fathers pulled out of their children’s lives with the devastating consequences of the children being alienated from their father figure. It could have serious consequences for young children in their later lives in forming stable relationships with their own families.

The sooner that domestic violence-related causes are dealt with within their true context the better it will be for all concerned.

Please check out some other articles on Domestic Violence below:

• Men and Domestic Violence
• Dedicated Domestic Violence Court Pt 1
• Dedicated Domestic Violence Court Pt 2
• How To Protect A Child From Domestic Violence

Article Source: THE CHANGING FACE OF DOMESTIC VIOLENCE IN AUSTRALIA

NEW DEDICATED DOMESTIC VIOLENCE COURT AT SOUTHPORT: GOOD NEWS FOR WOMEN OR MORE TROUBLE FOR EQUAL RIGHTS? PART 1

 

During 2014 the then-Premier, Campbell Newman commissioned former Governor-General Dame Quentin Bryce to draft a report on the prevalence of domestic violence in Queensland.  The resulting Not Now, Not Ever: Putting an End to Domestic and Family Violence in Queensland report was delivered to now Premier Annastacia Palaszczuk, at Parliament House in Brisbane recently.

The state government has announced that a dedicated domestic violence Court will be established at Southport on the Gold Coast in an attempt to provide access to justice for victims of domestic violence.

With a 20% rise in domestic violence incidents reported to police last year over the previous year I think everyone agrees that the more avenues for victims of domestic violence gain access to justice and protection the better!

The importance of stamping out domestic violence in our society is of the highest priority.  Such initiatives as the long-running White Ribbon campaign highlight the plight of the victims of domestic violence and sets out to bring out into the open the real dangers many people face.  Long-time supporter and ambassador of the campaign and Rugby League tough guy, Gorden Tallis is clearly a thoughtful choice to highlight to the community that we should all be embarrassed by the high levels of domestic violence in our Australian community.  The message is clear: Tough guys don’t abuse women.

It’s not only men

While women are more likely to experience domestic violence it is common for our Family Law practice to act for men who are victims of physical, verbal, and emotional abuse on a regular basis.

It is very often the case that people who are subject to domestic violence end up in a cycle of violence where certain events or stressors trigger the violence and the violence is repeated time and time again.  This can leave victims feeling powerless due to the imbalances in a domestic relationship related to strength, size, or simply the aggressive nature of the perpetrator.

So for all victims of domestic violence, the heralding of a specialist domestic violence Court to deal only with this worrying phenomenon is great news.  The dedicated Court will mean that the judicial staff who will be at the coal face of the problem, dealing with the real-life accounts of domestic violence will be well equipped to handle the difficult decision that comes with the job.

Should the pilot Court be a success it would seem likely that other dedicated domestic violence Courts may be considered in regional centers around Queensland and hopefully the rest of the country so that victims of domestic violence can have their sometimes life-threatening matters dealt with as quickly as possible.

Keep an eye out for next week’s installment of Charles Noble’s domestic violence court update.  “The Cons of greater access to domestic violence orders: What about those who are not victims of domestic violence and claim to be?  What are their motivations and how does it affect those around them”

Article Source: NEW DEDICATED DOMESTIC VIOLENCE COURT AT SOUTHPORT: GOOD NEWS FOR WOMEN OR MORE TROUBLE FOR EQUAL RIGHTS? PART 1

IS IT DOMESTIC VIOLENCE? HOW DO YOU KNOW AND WHAT SHOULD YOU DO? PART 1

 

Is the abuse you receive in your relationship considered Domestic Violence? How do you know and what should you do?

It is clear from the enquiries we receive from our client’s that in most cases they are not sure if what they are subjected to by a partner or other actually amount to domestic violence.

Section 8 of the Domestic and Family Violence Protection Act 2012 (Qld) sets out the types of domestic violence that are covered under the act.

Definition of domestic violence

Domestic violence means behaviour by a person (the first person) towards another person (the second person) with whom the first person is in a relevant relationship that—

1. is physically or sexually abusive; or

2. is emotionally or psychologically abusive; or

3. is economically abusive; or

4. is threatening; or

5. is coercive; or

6. in any other way controls or dominates the second person and causes the second person to fear for the second person’s safety or well being or that of someone else.

WHAT CONSTITUTES DOMESTIC VIOLENCE?

The further sections of the act set out in detail specific instances and behaviours that constitute domestic violence and what exposure to domestic violence is.  It is quite long and descriptive however it is an easy read for those not legally minded and very much worth looking at to give you a good idea of what domestic violence actually is.

As domestic violence has been well documented and studied over recent decades (and in particular in recent years) many common behaviours once thought acceptable in a domestic relationship now come under the law and penalties may arise.

The main purpose of the act and domestic violence qld Courts in the current climate is to emphasise to the public the need to protect people subject to domestic violence and that they can act quickly and effectively to do so.

Should you believe you or your family members are being subjected to domestic violence and there is a risk of further harm it is important to act quickly as the law can protect your family and at very short notice.

POLICE INVOLVEMENT

Many people fail to realise that should domestic violence occur, and if there is a need for the Police to become involved, that the Police have a duty to charge a perpetrator with domestic violence offences and may themselves see action in the Domestic Violence Courts until a Protection Orders is made for those affected.  Don’t feel as though you will be left alone to go to Court against an abusive partner if the violence is real and you are at risk.

If a Protection Order is warranted and you feel the need to apply quickly you can fill out an application and take it to a Magistrates Court anywhere in Queensland and a Temporary Protection Order is likely to be made.  Should you make an allegation of any type of domestic violence mentioned above and set out further in the Queensland Act it is likely you will be granted a Temporary Protection Order.

Be very careful however penalties can apply and legal action may be possible by a perpetrator of domestic violence should your allegations prove to be false and fictitious.

Tomorrow we will look at how it works and what you will need to do.  In the meantime remember; if you need help the Courts and the Police can act quickly and they have a positive obligation to do so when they are approached for help, so contact them now if you or your family are at risk.

Article Source: IS IT DOMESTIC VIOLENCE? HOW DO YOU KNOW AND WHAT SHOULD YOU DO? PART 1

What Is a Prenuptial Agreement and Is It Legally Binding?

Did you know that currently, some 30% of Australian marriages end in divorce? That’s a pretty scary statistic, but that’s the reality. When people get married they don’t go into the relationship thinking it’s going to end in a few years. Most view the commitment to being for life at the time. As unromantic as it sounds, it’s wise to be prepared for the big day where you sign those legally binding documents. If you are entering into the marriage with considerable assets already, as a safeguard it’s a good idea to consider a prenuptial agreement.

This is by no means a prophecy that you’re certain your marriage will fail, or even that you’re viewing it in a negative light. It’s simply a sound business decision of sorts. In every other facet of life you would be ensuring you protect yourself, so why should a romantic relationship be any different?

Not only is a prenup a good idea prior to marriage, but it’s also something to seriously consider before entering into a de facto relationship as well. These days de facto relationship is viewed the same way as a marriage by law, if you’ve been living in a domestic cohabitation for 2 years or more, so your assets could be at the mercy of your partner without a prenup should the relationship fail at some point.

Give Yourself Peace of Mind

Negotiating and signing a prenuptial agreement before the marriage takes place, or before entering into a serious domestic relationship, will alleviate a lot of the uncertainty regarding the distribution of assets should the relationship end in separation or divorce.

Not only that, the settlement after separation or divorce will be simplified and expedited as a result of having a clear and concise prenup in place. The legalities regarding finances and division of property and assets have already been worked out and agreed upon.

This takes a lot of stress, debate, and confusion out of the divorce process, leaving you free to work on getting over the failed relationship and being able to move on with your life.

A Prenuptial Agreement Is Legally Binding

A prenup is definitely a legally binding document, or it would serve no useful purpose. It is signed prior to entering into marriage or a serious cohabitation relationship. When the agreement has been worked out, the signature of each party signifies that they understand the contents of the document and agree to the document’s stipulations regarding the distribution of assets in the event of a divorce or relationship separation. The document will often include liability for debts and leaves very little confusion for either party.

Your Family Law Experts

Aylward Game Solicitors in Brisbane fully understand there may be a need for a prenuptial agreement, and our team has the experience to help negotiate a prenup that both parties are happy with. If you feel you need a prenuptial agreement, talk to us first before the big day and we’ll assist you in the process of safeguarding your assets.

Article Source: Prenuptial Agreements

IS IT DOMESTIC VIOLENCE? HOW DO YOU KNOW AND WHAT SHOULD YOU DO? PART 2

 

In PART 1 we discussed that you think the abuse you are subjected to in your domestic relationship amounts to domestic violence and now you know that fast effective help can be sought through the Magistrates Court with or without the help of the Police.

Our last blog post set out that it is important for you and the other party that the allegations you make are true.  What if you are still not sure? (Domestic Violence)

The next step is to speak to a Family Lawyer who is experienced in domestic violence matters.  The lawyer will be able to help you understand your chances of success and of the support services available to you if you do make an application for a Protection Order.

The Power Of Domestic Violence Orders

Domestic Violence Orders / Protection Orders are very powerful tools.  If it is necessary for a party to exclude another party to the relationship from the shared home this may be achieved if there is a real risk of harm to the person alleging domestic violence (“the aggrieved”) or to children living with the parties (the “named persons”).

Common terms of temporary and final Protections Orders are that:

1. A Respondent must be of good behavior towards the aggrieved and not commit acts of domestic violence towards the aggrieved or a named person (often a child or another relative who lives with the aggrieved);
2. A Respondent may not contact or have another person contact an aggrieved or named person;
3. A Respondent may not approach to within a certain distance of the aggrieved or named persons or go to a place where the aggrieved or named person may be or frequents; and
4. The Order may set out the only circumstances that contact may occur between the parties (through lawyers or at certain places such as Court events) or by what method for communication such as by text message or by email.

The Police are empowered to enforce both temporary and final Protection Orders if a party is in breach.  This can lead to criminal charges for the perpetrator and if serious enough the perpetrator may be arrested on the spot.  This gives a strong sense of protection for an aggrieved party should they need to rely on the orders they have obtained.

What is the likelihood that a Magistrate will provide a Temporary Order

Asset out in our last blog in this series on domestic violence the ambit of what the Court considers domestic violence is wide.  Due to this, in short; the answer is very likely.

The attitude of the Court is that if someone has gone out of their way to apply for a Protection Order then until the matter is settled then an Order should be made.

Expect a Temporary Order to made whilst the matter is set down for hearing and time allowed for the parties to file their evidence and respond to evidence with the Court.

What is the likelihood a Magistrate will provide a final Protection Order?

If evidence is made out at the final hearing of the matter (the Trial) that domestic violence has been perpetrated against the aggrieved and or named persons then other factors will need to be considered by the Magistrate.  Under the Domestic and Family Violence Protection Act 2012 (Qld) the major considerations then are whether it is necessary or desirable to make a Protection Order.

Unless there is a compelling reason why it is not necessary for the Order to be made (which is rare) it must also be desirable that the Order be made.  In Queensland, there is no consideration required as to what the effect the making of the Order may have on the Respondent (in some other state this is a consideration of the Court).

It should be remembered that the determination of whether an Order is necessary or desirable is at the discretion of the Court.  In our recent experience, it has almost always been the case that even without concrete evidence that domestic violence has occurred (meaning that the evidence may be allegations alone) it is very likely that a Court will make a final Protection Order for the aggrieved.

Court Protection Orders

The Court makes protection Orders readily as it is believed that should they not, and a perpetrator then harms (or worse) an aggrieved, then in such case, the whole premise of protection by the Courts would be null and void.

In our opinion it is likely that should a party seek a Protection Order that it will probably be made if there is evidence to support that domestic violence did take place.

This gives assurances to people who are the victims of domestic violence however it can often be used by vindictive or malevolent parties to a relationship as a tool to cause problems for another party and in many cases to stop a parent from having contact with a child.

Should a party make false claims of domestic violence that lead to a Protection Order being made a person who has Orders made against them may appeal to the District Court.  In this case, there is a good chance that if domestic violence allegations are disproved then the Protection Order may be overturned.

Our next installment in domestic violence looks at the Court procedure and the methods by which parties can settle matters without a determination by a Magistrate at the Court and the effect to parities of a Protection Order being made in their various forms.

Article Source: IS IT DOMESTIC VIOLENCE? HOW DO YOU KNOW AND WHAT SHOULD YOU DO? PART 2

SEPARATION, DIVORCE AND FINANCIAL PLANNING

 

SEPARATION, DIVORCE AND FINANCIAL PLANNING: What You Need To Know

My financial advisers in their recent newsletter provided advice to their clients in regard to a separation in their relationship. The financial adviser wrote, “It is an unfortunate fact of life that couples will separate and even divorce.  The financial adviser went on to say that their advisers have dealt with these difficult issues and have become sensitive to the requirements of a separating couple.

The advice given in the newsletter was, “If you and your partner have decided to separate your first course of action is to contact a solicitor who can take you through the legal process of separating your assets.  Assets include the family home, any investment properties, cash in the bank, managed funds, your superannuation, home contents, cars, etc.”  While the division of all these assets has to be determined by the Family Law Courts your adviser can help you with the following.  The newsletter went on to list the various areas where a financial Planning adviser can assist.  The assistance they provided was as follows:

Budgeting

The financial adviser can help you to establish a new budget for you in line with any changes in income and assets.

Managing joint loans

Most couples will have some form of joint loans.  The financial adviser can help you with the best way to pay these off or bring the debt down to make it more manageable for each partner.

Selling any property

The adviser went on to say that they can assist in selling the property in the most tax-effective way.  The newsletter goes on to say that sometimes the couple may choose to keep the family home and rent it out or one partner may choose to buy the other out.  The adviser can discuss the most tax-effective way for their client to sell any property investments that they have due to separation.

Re-financing and obtaining a new loan

The financial advisers have a financial Planning team that can discuss re-financing with their clients if they choose to take on the loan of the other spouse or obtaining new finance for a new property to live in.

Changing beneficiaries for super and insurance policies

The newsletter goes on to say that the clients’ superannuation is classed as an asset when it comes to the separation of property and the client will have assigned a beneficiary on the superannuation and insurance policies in the event of death.  The newsletter further states that when a client separates it will be necessary to change the beneficiaries on both of these policies and potentially even split safer assets with their former partner.

Managing long term financial needs

The financial advisers state that whether it be investing, budgeting, or making a property purchase the financial adviser can assist with the long-term goals and decisions of the client.

The newsletter concludes with the following statement, “While all of our advisers are impartial and each members’ details are strictly confidential we do recommend that if our members are separating that one member considers taking on another adviser within the financial advising group.  This will not cost either party but enables us to offer you both the best possible advice without any concern for impartiality or conflict.”

This differs entirely from the practice in a legal firm.  Solicitors can only act for one party and are unable to provide any advice whatsoever to the other party in a separation.

It is always beneficial to parties when separating to not only obtain legal advice but to obtain financial advice on all financial issues which may be affecting them as a result of the separation but in particular in regard to taxation consequences and the restructuring of their assets once the separation has occurred.

Article Source: SEPARATION, DIVORCE AND FINANCIAL PLANNING

SEX DISCRIMINATION HICKIE V HUNT & HUNT

 

“Marea Hickie, a contract partner with Sydney law firm Hunt & Hunt, brought a complaint against her employer after her request to work part-time following the birth of her child was refused. She claimed the firm had given away her client base while she was on maternity leave. In a complaint heard by HREOC, Commissioner Evatt found that the law firm had indirectly discriminated against Ms. Hickie by requesting to work full-time in order to maintain her practice. The firm was ordered to pay $95,000 in compensation. The case highlighted the importance of employers putting in place flexible working arrangements.”

The Commission had to examine whether there was enough evidence to support direct or indirect discrimination. At that time, in order to prove direct discrimination there had to be an appropriate comparator, meaning, to compare one individual’s treatment against the general standard of treatment in the given organization. This would assist the Commission to decide whether the person in question has been directly discriminated against.

In contrast with direct sex discrimination, in order to prove indirect discrimination, Ms. Hickie had to prove that a requirement or policy existed which a substantially higher number of men than women could comply with. Ms. Hickie also had to show that she could not comply with the requirement and that the requirement was not reasonable in the circumstances.

The Commission found that the firm had indirectly discriminated against Ms. Hickie because the firm removed Ms. Hickie’s practice from her due to her intention to work part-time. This amounted to a requirement, policy, or condition that she work full-time to maintain her plaintiff practice.

The Commission further found that failing to renew Ms. Hickie’s contract amounted to indirect sex discrimination which was not reasonable in the circumstances. It was Commission’s view that the requirement to work full-time would disadvantage women. The firm’s own records showed that most part-time workers at the firm were women. The employer failed to prove that Ms. Hickie couldn’t complete all duties allocated to her showed that the requirement to work full-time was unreasonable.

Article Source: SEX DISCRIMINATION HICKIE V HUNT & HUNT

My Ex Won’t Let Me See My Children

Separation and divorce is a stressful and very confusing period of life. Stress levels are exacerbated even further when children are involved. Many marriages and de facto relationships that break down will have children in the equation, and it certainly makes a clean separation that much more complicated. And divorce is difficult enough without one parent refusing visitation rights to the other. If you think a child has been, is being, or is at risk of being harmed you can: report it to the police; report your concerns to Child Safety or call 000 in an emergency. But can anyone stop you?

Can’t see your kids? What can you do?

Unless one parent is legally deemed unfit for one of a number of reasons, then both parents have the right to spend quality time with their children, whether it be a joint custody arrangement or a parenting agreement.

In a perfect world, the separation or divorce will be amicable and an agreement regarding the children will easily be reached and adhered to. However, the reality is rarely ever that neat, tidy, and simple.

Let’s take a brief look at your options when it comes to child custody or visitation rights so you can spend quality time with your children.

Joint Custody or Shared Custody

In this instance the divorce has gone to the courts and child custody will be decided during legal proceedings. The result could be an even 50/50 split, where the child or children spend an equal amount of time with each parent each week or month.

Other examples of a joint custody split could see the children living with their mother from Monday through Friday, and spending their weekends with their dad, or vice versa. Or it could be one full week with the father, followed by a full week with the mother.

Often these arrangements will be dependent on a number of factors and the circumstances of each parent, such as who has the most time to spend with the children.

Parenting Plan

A parenting plan is a more informal and congenial “negotiation” between both parties. Usually mediated through a solicitor, the agreed-upon parenting arrangement may or may not be lodged with the courts.

If your parenting plan was not lodged with the courts, then it’s not legally binding.

Does that mean you have no legal recourse?

No, it does not. In conjunction with your family law firm, you can still start legal proceedings for joint custody or visitation rights if one parent won’t honor the parenting plan.

If the parenting plan was lodged with the courts, and one parent refuses access to the children, then that parent is in direct violation of the legal agreement and can be forced to comply.

The same applies to joint custody or shared custody arrangement. By law, unless there are serious mitigating circumstances such as incidences of domestic violence, both parents have to comply with the parenting agreement.

 

The Takeaway

Even if your split with your partner is mutual and amicable and you both want to negotiate a parenting plan, it’s always wise to have a Brisbane solicitor who specializes in family law involved to negotiate the agreement and lodge it with the courts.

In Brisbane, the law firm you can count on is Aylward Game Solicitors – your local family law specialists.

Article Source: Child Custody Brisbane

WHAT ARE THE PROS AND CONS OF VENDOR FINANCE?

 

What is Vendor finance?

A buyer may need a loan to purchase the house. There are different kinds of loans, like bank loans. But these loans require payment proof or a guarantor. It is not possible for people with a low pay rate. So, when a seller arranges money for the buyer, it is called vendor finance. This money is returned in installments at specific intervals of time. Purchase vendor finance homes is a completely different method. We take a look at what it means and the pros and cons of Vendor finance.

It is advised to take expert advice before asking for vendor finance. As there are some risks in these kinds of loans. So, before signing any agreement, ask the experts. Aylward Game is one of the old vendor finance advising companies. They can assist you in your property purchase.  

Risks of Vendor Finance?

You may look for vendor finance if you don’t fit on the merit of a bank loan or any other financial assistance. The vendor finance is often good, but it can be risky. For instance, these options are advertised just to attract a large number of buyers and to secure some quick sales. But it is wise to know some common risks before choosing this option. Vendor finance homes are not easy to purchase.  

In the recent era, vendor finance has criticized as a company We Buy Houses was banned by the Federal Court. As its representation was full of lies. These options are made to attract an audience who cannot even think of owning a house. These loans also have the same rules as other loans.

MS Pierce Pointed to the common Risks or challenges in Vendor Financing:

• There is confusion about who owns the property during the loan agreement. Who will be paying for the utility bills?
• These loans are of high amount. This loan is usually double the original amount of the property. So, they cannot recover what they have paid. They cannot even refinance with a bank.
• The agreement is too complicated. None of them has equal rights. The vendor enjoys more. The buyer never owns the property, and the vendor is never out of money.
• The consumer lacks protection, as well.

MS Pierce also included that the agreements are so complex that the buyer can never understand his benefits. He does not know how much will he have to pay in a long-term contract or what’s the condition of missing a payment. Their dirty tricks also unclear the buyer’s protection like the National Credit Code (NCC). There is no legal protection of buyers in these agreements.

 How does Vendor Finance work?

Vendor finance has many forms. Often the seller gives money to the buyer to start the transaction. Consumers can move to the property. To return the payment, monthly instalments are paid to the seller, who is not the rent.

In a Vendor Finance Transaction, we can include the Following Points:

• Property price: This price can be different from the actual market price. The buyer pays the first deposit to start living on the property. This deposit is usually a loan from the seller.
  
• Contract: This contract is longer than the normal loans. It has some extra terms and conditions like the penalties if a buyer misses a payment. It is very different from the usual bank loans.
  
• Payment method: In payment, there is an interest rate of at least 2% and may also include insurance and maintenance.

Let’s have a look at a few Points to End this Vendor Contract.

• The consumer owns the house after the end of the instalments
  
• The consumer can extend or replace the deal
  
• The consumer can lose hope and leave the property. And all of the investment is lost.

The consumers are left in depression. Consumers cannot afford repayments. They are still not able to ask for a bank loan. The plans of the consumer may not have worked, and now he can’t continue. The vendor will own the property. This is one of the vendor finance old dirty trick.

The Name of the Vendor Finance varies on the type of Agreement.

• The wrap-around loan also called money mortgage: In this loan, the buyer and the current owner lives under the same roof. The buyer will have to pay the utility bills with some interest, which is profit for the seller. This loan is known as private lending and is very much different from other laws. The loan wraps around only according to the seller’s mortgage. If the buyer is unable to pay, then they may lose their investment, and the vendor can repossess the property.
  
• Deposit finance: There can be a need for vendor finance for a home. This type of loan can get two loans for the buyer. Half of the payment is given by the vendor as a loan. The consumer will go to the bank to get the other half. The drawback is that the user will have to make bulky payments each month, one for the bank and another for the vendor. They can also go for the insurance implications; the penalties will arrive when false information is provided.
  
• Partially vendor financed: This is a bit simple than the others. The first half is paid by the bank loan, and the remaining is paid by vendor loan.
  
• License to occupy: The consumer will pay half or a smaller deposit. The rest payment can be paid via instalments. He also pays the usual taxes and the fees of property purchases. A license will be generated for him to live in the house. As this is not rent, then there will be no tenancy laws. As the loan is private so you cannot involve consumer credit laws.
  
• Off-the-plan instalment plan: It is a risky contract as the buyers don’t have many rights or protection. There will be a non-refundable administrative fee, a deposit fee, and a very long instalment plan, for instance, 25 years.
  
• Work-in-lieu of payment: You can also call it “Sweet equity.” In this finance, the buyer repairs or fixes a portion of the property in replace of deposit or instalment, and the rest of the payment is paid by vendor finance.

Let’s know about Rent-to-Buy:

In this scheme, the buyer and the seller agree that the buyer will rent the house. How much they pay will be considered as the share in the property. But they will not be the official owner of the property until the paperwork is clear.

Here is the Working of this Method:

• The broker shows the buyer a high priced property.
• The buyer will try to get a rent-to-buy house due to the high cost.
• A tenancy agreement is signed.
• There is an option for them to purchase the property after three or six years.
• A deposit fee is paid.
• The buyer will pay the rent and may also pay for the maintenance or utility bills.
• The instalments can include both the rent and the loan.

This is a simpler way of purchasing a house.

Where to get Legal Advice?

Are you looking for a vendor finance home in Brisbane, Gold Coast or Sunshine Coast? Aylward Game is here to help you with that. We are in the business for more than two decades. You can always count on us. We have given legal advice to many people. We help people in purchasing a property. Through legal advice, they are save from the false person. They don’t have to worry about legal issues when we consult them. When Mark Game started Aylward Game, he wanted to help people to get to their properties safely. Our team members are well aware of property law. We can tackle any kind of issue. So, just contact Aylward Game if you need any assistance regarding the property.

Article Source: WHAT ARE THE PROS AND CONS OF VENDOR FINANCE?

TELL TALE SIGNS SOMEONE YOU KNOW IS SUFFERING DOMESTIC VIOLENCE

 

Sometimes evidence of domestic violence is obvious, but that’s not always the case. Then there’s the issue of emotional abuse as well. Physical injuries can heal, but often it takes a lot longer to heal the emotional damage caused in these unfortunate situations.

The emotional scarring can potentially be a lot more damaging than physical bruising and can affect every area of a person’s life.

Everyone is different and so is every circumstance unique, but there are some tell-tale signs you can look out for if you fear someone you know is suffering from domestic abuse.

Obvious Physical Injury

Injury to many areas of the body can quite easily be covered up with clothing. However, bruising or marks on the neck, face, or hands even are not so readily concealed. It’s quite common when someone is physically abused by their partner that they won’t admit what’s really going on. Lame excuses will often be made in an attempt to explain away the injury. Often the denial is based on fear of more abuse to come if the victim confides in somebody.

The Person Is Always Edgy

If a person you know used to seem quite calm, relaxed, and in control, but now always seems to be on edge, then this is a sign that something is definitely going on. The person is certainly stressed about something. When it comes to a domestic violence Australia situation, the person in question might incessantly be checking the time, constantly looking all around, and generally unable to relax. They might always be in a hurry to go home, for fear of being late or getting accused of something. Sufferers often fear their abusive partner is always somehow watching them, or has someone keeping an eye on them.

Withdrawn Emotionally

Generally, when a person is involved in a healthy or happy relationship, they tend to put off positive energy and perhaps become even more outgoing. The opposite is commonly true if a relationship turns toxic and becomes abusive; either emotionally, physically, or both. If you know someone who used to be vibrant, but these days seems very quiet, withdrawn, and closed off emotionally, it could be a red flag that there is an abusive situation happening on the home front.

Low Self-Esteem

The occurrence of low self-esteem is a very common symptom of emotional abuse from somebody. As domestic violence and psychological abuse are often related to having control over someone, part of the plan to gain that control is to belittle someone, demean them to the point where they feel worthless. This gives the abuser even more control.

Don’t Suffer In Silence

If you are enduring an abusive situation at home, or you know someone you suspect might be, don’t remain silent about it. Help is out there.

If the police get involved, although the prosecutor representing the police department will handle the case, it’s also comforting to have a representative from your own law firm assisting you through the process.

At Aylward Game Solicitors in Brisbane, we are not only experts when it comes to legal matters pertaining to domestic violence in Australia of all descriptions, but we are also sympathetic as well.

Article Source: TELL TALE SIGNS SOMEONE YOU KNOW IS SUFFERING DOMESTIC VIOLENCE