Evgenia Bourova

University of Melbourne - Law School

Research Fellow

University Square

185 Pelham Street, Carlton

Victoria, Victoria 3010

Australia

SCHOLARLY PAPERS

11

DOWNLOADS
Rank 41,104

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Top 41,104

in Total Papers Downloads

1,031

SSRN CITATIONS

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Scholarly Papers (11)

1.

Financial Hardship: The Legal Frameworks

U of Melbourne Legal Studies Research Paper No. 691
Number of pages: 39 Posted: 29 Jun 2014 Last Revised: 04 Feb 2016
Paul Ali, Evgenia Bourova and Ian Ramsay
University of Melbourne - Law School, University of Melbourne - Law School and Melbourne Law School - University of Melbourne
Downloads 205 (148,439)

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2.

The Experience of Financial Hardship in Australia: Causes, Impacts and Coping Strategies

Journal of Consumer Policy, Vol. 42, No. 2, pp. 189-221, 2019, U of Melbourne Legal Studies Research Paper No. 805
Number of pages: 41 Posted: 22 Nov 2018 Last Revised: 12 May 2019
Evgenia Bourova, Ian Ramsay and Paul Ali
University of Melbourne - Law School, Melbourne Law School - University of Melbourne and University of Melbourne - Law School
Downloads 141 (205,783)

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financial hardship; consumer protection; consumer credit; telecommunications

3.

Responding to Consumers’ Financial Hardship: An Evaluation of the Legal Frameworks and Company Policies

Competition and Consumer Law Journal, Vol. 23, No. 1, pp. 29-55, 2015
Number of pages: 27 Posted: 08 Sep 2015
Paul Ali, Evgenia Bourova and Ian Ramsay
University of Melbourne - Law School, University of Melbourne - Law School and Melbourne Law School - University of Melbourne
Downloads 125 (226,281)

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financial hardship, consumer protection, consumer credit, essential services

Australia's Financial Ombudsman Service: An Analysis of its Role in the Resolution of Financial Hardship Disputes

Conflict Resolution Quarterly, Vol. 34, No. 2, pp. 163-188, 2016
Number of pages: 22 Posted: 10 Dec 2016
Paul Ali, Evgenia Bourova, Joseph Horbec and Ian Ramsay
University of Melbourne - Law School, University of Melbourne - Law School, University of Melbourne - Law School and Melbourne Law School - University of Melbourne
Downloads 119 (235,835)

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Dispute resolution, financial services, financial hardship, Financial Ombudsman Service

Australia's Financial Ombudsman Service: An Analysis of its Role in the Resolution of Financial Hardship Disputes

Ali, P., Bourova, E., Horbec, J. and Ramsay, I. (2016), Australia's Financial Ombudsman Service: An Analysis of Its Role in the Resolution of Financial Hardship Disputes. Conflict Resolution Quarterly, 34: 163–188. doi: 10.1002/crq.21187
Posted: 17 Dec 2016
Paul Ali, Evgenia Bourova, Joseph Horbec and Ian Ramsay
University of Melbourne - Law School, University of Melbourne - Law School, University of Melbourne - Law School and Melbourne Law School - University of Melbourne

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ombuds, ombudsman, Australia, financial, FOS, hardship

5.

Financial Hardship: Insights from a Survey of Financial Counsellors

Number of pages: 38 Posted: 02 Dec 2015
Paul Ali, Evgenia Bourova and Ian Ramsay
University of Melbourne - Law School, University of Melbourne - Law School and Melbourne Law School - University of Melbourne
Downloads 112 (245,277)
Citation 1

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financial hardship, consumer credit

6.

The Role of Legal Hardship Protections in Coping with Debt Problems: Insights from a Survey of Consumers

Competition and Consumer Law Journal, Vol. 24, No. 2, pp. 77-100, 2016
Number of pages: 22 Posted: 28 Nov 2016
Paul Ali, Evgenia Bourova and Ian Ramsay
University of Melbourne - Law School, University of Melbourne - Law School and Melbourne Law School - University of Melbourne
Downloads 83 (298,809)
Citation 1

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Consumer Protection, Financial Hardship, Consumer Credit, Energy, Water, Telecommunications

7.

Financial Hardship Assistance Behind the Scenes: Insights from Financial Counsellors

Australian Journal of Social Issues, Vol. 52, No. 3, pp. 241-261, 2017 , U of Melbourne Legal Studies Research Paper No. 760
Number of pages: 22 Posted: 03 Nov 2017 Last Revised: 02 Mar 2018
Paul Ali, Evgenia Bourova and Ian Ramsay
University of Melbourne - Law School, University of Melbourne - Law School and Melbourne Law School - University of Melbourne
Downloads 66 (340,235)

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financial hardship; consumer protection; consumer credit; telecommunications; utilities providers

8.

The Statutory Right to Seek a Credit Contract Variation on the Grounds of Hardship: A History and Analysis

Federal Law Review, Vol. 44, No. 1, 2016, pp. 77-109
Number of pages: 34 Posted: 09 Jun 2016
Paul Ali, Evgenia Bourova and Ian Ramsay
University of Melbourne - Law School, University of Melbourne - Law School and Melbourne Law School - University of Melbourne
Downloads 63 (348,528)

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9.

Reporting on Hardship Practice in the Consumer Credit and Energy Sectors: An Analysis

Competition and Consumer Law Journal, Vol. 25, No. 1, pp. 71-100, 2017
Number of pages: 28 Posted: 03 Oct 2017
Evgenia Bourova, Ian Ramsay and Madeleine Roberts
University of Melbourne - Law School, Melbourne Law School - University of Melbourne and University of Melbourne - Law School
Downloads 57 (366,198)

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consumer law, financial hardship, reporting

10.

Impacts of Financial Literacy and Confidence on the Severity of Financial Hardship in Australia

Australasian Accounting, Business and Finance Journal, Vol. 12, No. 4, pp 4-23, 2018
Number of pages: 23 Posted: 18 Apr 2019
University of Melbourne - Law School, University of Melbourne - Faculty of Education, Melbourne Law School - University of Melbourne and University of Melbourne - Law School
Downloads 34 (449,787)

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financial literacy, financial hardship, overconfidence

11.

'It's Easy to Say Don't Sign Anything': Debt Problems Among Recent Migrants from a Non-English Speaking Background

Alternative Law Journal, Vol. 44, No. 2, pp. 127-132, 2019
Number of pages: 8 Posted: 24 Jan 2019 Last Revised: 08 Jul 2019
Evgenia Bourova, Ian Ramsay and Paul Ali
University of Melbourne - Law School, Melbourne Law School - University of Melbourne and University of Melbourne - Law School
Downloads 26 (488,569)

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financial hardship, migrants, consumer protection, consumer credit, utilities debt