Undoubtedly someone who receives a low credit score as a result of defaulting on a loan feels like they are being punished too. But this is not a punishment. Actions have consequences: if you don't pay your workers they won't show up the next day. This is not a punishment.
When staff review a dispute they have to consider three components:
I appreciate that TWC / DNT may feel to you like punishments but that is not what they are. Before we introduced TWC and DNT all we had were bans. Bans are punishments. The whole point of this TWC/DNT regime was to separate out punishments from debts.
- restitution (repayment)
- deterrence from re-offending and from others offending (this is the punishment branch)
- protection of the community (this is the TWC and DNT branch)
Restitution, Deterrence, Protection. Simple Law Class basics.
Love it.

































