Evgenia Bourova

University of Melbourne - Law School

Research Fellow

University Square

185 Pelham Street, Carlton

Victoria, Victoria 3010

Australia

SCHOLARLY PAPERS

14

DOWNLOADS
Rank 39,519

SSRN RANKINGS

Top 39,519

in Total Papers Downloads

1,343

SSRN CITATIONS

2

CROSSREF CITATIONS

7

Scholarly Papers (14)

1.

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 228 (156,513)

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financial hardship; consumer protection; consumer credit; telecommunications

2.

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 213 (166,940)

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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 143 (236,241)

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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 139 (242,524)

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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

Abstract:

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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 123 (265,664)
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 95 (317,323)
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 76 (363,414)

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

8.

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 70 (380,425)

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consumer law, financial hardship, reporting

9.

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 69 (383,439)
Citation 1

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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, Melbourne Law School, Melbourne Law School - University of Melbourne and University of Melbourne - Law School
Downloads 64 (398,819)
Citation 1

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financial literacy, financial hardship, overconfidence

11.

Limitations of Australia's Legal Hardship Protections for Women with Debt Problems Caused by Economic Abuse

University of New South Wales Law Journal, Vol. 42, No. 4, pp. 1146-1178, 2019, U of Melbourne Legal Studies Research Paper, No. 869
Number of pages: 33 Posted: 02 Dec 2019 Last Revised: 14 Feb 2020
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 45 (467,934)

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consumer credit; consumer protection; economic abuse; financial hardship

12.

'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, U of Melbourne Legal Studies Research Paper No. 857
Number of pages: 8 Posted: 24 Jan 2019 Last Revised: 12 Nov 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 42 (480,818)

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

13.

Cause to Complain? Consumer Experiences of Internal and External Dispute Resolution in the Context of General Insurance

Australasian Dispute Resolution Journal, Vol. 30, No. 4, 2020, pp. 302-316 , U of Melbourne Legal Studies Research Paper No. 924
Number of pages: 19 Posted: 20 Nov 2020 Last Revised: 21 Dec 2020
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 22 (594,420)

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insurance; dispute resolution

14.

A 'Damaging Loophole' 'Long Overdue' for Closing: Extending Consumer Protections Against Unfair Contract Terms to insurance

Competition and Consumer Law Journal, Vol 27, No. 3, 2020, pp. 264-294
Number of pages: 29 Posted: 06 Jan 2021
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 14 (642,400)

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consumer protection; insurance; unfair contract terms