What you'll do
- Understand when a temporary reduction makes sense
- Work out a smaller amount you can sustain
- Request the reduction clearly and in good faith
- Agree a review date so the plan stays fair
- Find free help if money stays tight
5 min read
When a reduction helps
A temporary payment reduction is for when you can still pay something, but the full amount is too much for now. Rather than missing payments and falling behind, you agree on a smaller amount for a set period. It keeps you moving forward and shows good faith, which makes everything easier.
Request it step by step
- Look at your budget and work out the most you can comfortably pay for now.
- Decide how long you are likely to need the lower amount.
- Contact us in writing through the contact form.
- Explain what changed and propose the reduced payment and the period.
- Suggest a review date so the arrangement can be revisited fairly.
- Keep a copy and make the agreed payments on time.
If money stays tight
If the lower amount is still a stretch, or your situation does not improve as hoped, get in touch before the review date — extending the reduction or looking at other options is usually possible. A free financial counsellor on 1800 007 007 can help you work out a sustainable figure. See also our guide to setting a realistic payment plan.
Good to know
- A temporary reduction keeps you on track when the full amount is too much.
- Work out the most you can comfortably sustain before you ask.
- Propose the amount and the period, and agree a review date.
- If money stays tight, reach out early — free help is on 1800 007 007.
FAQ
How long can payments be reduced for?
It depends on your circumstances. Reductions are usually set for a period and then reviewed, so the arrangement stays fair to your situation.
What is the difference between a reduction and a pause?
A reduction means paying a smaller amount; a pause means paying nothing for a while. Choose whichever fits — you can ask about both when you contact us.
What if I still cannot keep up with the lower amount?
Tell us before the review date. We can look at extending it or other options, and a free counsellor (1800 007 007) can help you find a workable figure.
Still not sure? Our team is happy to talk it through.