Financial hardship

Financial hardship is when you’re willing but unable to pay what you owe because of unexpected events or unforeseen changes that impact cashflow. For example:

• Changes to your income or expenditure expenses
• A change to your employment status, such as job loss or reduced work hours
• A significant life event, such as a relationship breakdown or death in the family
• You become injured or sick
• There's an emergency event or natural disaster.

If you’re experiencing any of these events, or other reasons for financial hardship, you’ll be expected to reasonably recover your financial position once appropriate arrangements are made.

Contacting us should be your first step if you’re struggling to make your repayments due to unforeseen circumstances. Getting support as early as possible could take the pressure off and help you to manage your finances.

Your circumstances are unique and we assess each situation individually. Our Customer Assist team are dedicated to guiding you on the best approach for your current financial position. We offer appropriate solutions, such as payment plans, where possible.