Life changes, and payment arrangements can change with it. If your financial circumstances have changed — for better or worse — you can ask us to review your current arrangement.
If things have become harder — you have lost income, had an unexpected expense, or are dealing with a health issue — contact us before you miss a payment. We can look at reducing instalments, pausing the arrangement temporarily, or, where circumstances are serious, placing the account into a hardship arrangement. See the Hardship & support section for more.
If things have improved and you want to pay off the balance sooner, that is always welcome. Contact us or use the Request a Payment Arrangement form to propose new terms.
The key principle is the same in either direction: contact us early. The earlier we know about a change, the more options are available and the easier it is to adjust the arrangement by agreement rather than having it fall into default.
Was this article helpful, or still not sure? Our team is happy to talk it through.