Financial Hardship and Disaster Relief
Our approach to financial hardship
We understand that anyone can experience financial problems. Life can take unexpected turns that sometimes make it difficult for you to maintain your repayments. Whether its illness, loss of employment, a relationship breakdown or something else, we encourage you to contact us to discuss your change in circumstances.
When we become aware of your situation, we will assess your circumstances on a case by case basis to see what arrangements or options may be suitable for you.
Some of the things we may be able to offer are:
A short term fixed/reduced repayment for an amount below the current minimum monthly repayment
A short term moratorium or deferral of repayments
Our commitment to you
A professional consultant will assess your request
Your individual situation will be reviewed to find a tailored outcome
If required, we can put you in touch with a free Financial Counselling service
We will need to know:
How your circumstances have changed
How much you can pay towards your accounts
What changes you expect in your circumstance and by when.
Are you experiencing financial difficulty?
RAMS Customer Assist 1800 143 075 - operating hours 8.30am – 6.00pm (AEST) Monday to Friday, closed weekends and public holidays.
Fill in our
online form and we'll contact you as soon as possible. It is important you include your contact details and other relevant information. If you require Translation Services, please tell us your preferred language.
Call us
RAMS Customer Assist 1800 143 075 - operating hours 8.30am – 6.00pm (AEST) Monday to Friday.
Closed weekends and public holidays.
Online form
Fill in our
online form and we'll contact you as soon as possible. It is important you include your contact details and other relevant information. If you require Translation Services, please tell us your preferred language.
Information for Financial Counsellors & Authorised Third Parties
Below are the standard forms used by Financial Counsellors.
Financial Counsellor Authorisation Form
Statement of Financial Position Form
More Information:
Financial Counselling
You can obtain free independent advice from a Financial Counsellor. This is a free service with dedicated people in each state that will work with you to understand your circumstances and help with next steps.
Contact the National Debt Helpline
Contact the National Debt Helpline on 1800 007 007 for a free, independent financial counselling service.
Other resources
Customers in Financial Hardship - Helpful information from the ABA (Australian Bankers' Association Inc)
Financial Counselling Australia (FCA) - FCA is the peak body for Financial Counsellors in Australia
MoneySmart - an initiative of the Australian Securities & Investments Commission (ASIC) which offers tips and tools to help you make the most of your money.
National Debt Helpline - a not-for-profit service that helps people in Australia tackle their debt problems.