• Financial hardship - We understand that anyone can experience financial problems. We encourage you to contact us to discuss your change in circumstances.

  • Financial hardship request for assistance 

    This information will be sent to us directly. The form can be completed any time 24 hours a day, 7 days a week. It is important you include contact details and other relevant information.

    *Indicates mandatory field

    First name*:
    Last name*:
    Reason seeking assistance:   
    Best time to call:  
    Other details*:
    - How your circumstances have changed
    - How much you can pay towards your repayments
    - What changes you expect in your circumstances and by when 

      • Yes, with your signed approval we can discuss and negotiate a solution with your nominated representative such as a Financial Counsellor or other third party.

      • We will look at your individual situation and provide a tailored solution. This may be for a short, medium or long period of time depending on your circumstances.

      • We will advise you in writing of the reason for the decline. However, even if we decline hardship assistance we may provide other assistance on a case-by-case basis. You may wish to seek further financial advice from a financial counsellor or other third party, about the options available to you.

        If you are not satisfied with our response or handling of your complaint, you may be able to lodge your complaint with a free, independent external dispute resolution scheme, the Australian Financial Complaints Authority. Their contact details are:

        Online: www.afca.org.au 
        Email: info@afca.org.au
        Phone: 1800 931 678
        Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001

      • We will endeavour to contact you during the nominated time on the number provided, as soon as possible.

      • Solutions are assessed on a case by case basis and you may need to provide some further information such as Centrelink documents, medical information or proof of income and expenditure. If required our Consultants will discuss these requirements with you.

      • Assistance is determined on a case by case basis and could include reduced or deferred repayments. We are committed to working with you to provide a solution that will better your financial position.

      • Once we are aware of your financial difficulty we will suspend collections activity for 21 days, while we are assessing your situation, as per legislative requirements. This will enable you to provide us with any additional information if applicable. If we agree to provide you with hardship assistance and you comply with the terms of your arrangement, there will be no collections activity during any approved assistance period.