CONSUMER LAW - penalties to be imposed for a contravention of s 12CB of the Australian Securities and Investments Commission Act 2001 (Cth) (ASIC Act) and for contraventions of s 29(1) of the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act) - penalty imposed for a single contravention of s 12CB by engaging in a system of conduct which was unconscionable - 92 contraventions of s 29 of the NCCP Act but the contraventions formed part of a course of conduct - consideration of ss 166-7 of the NCCP Act - penalties imposed for 45 contraventions - consideration of the totality principle as applied to civil penalties
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