This guide helps with
- Understand what a hardship arrangement actually is
- Learn the common forms an arrangement can take
- Know who can ask for one and why
- Understand how to request an arrangement from Merion
- Find free help to set one up
5 min read
You're not alone
A hardship arrangement is just an agreement to handle your account in a way that fits your situation when you are doing it tough. It is not a special favour or a black mark — it is a normal, recognised way to keep things manageable while you want to pay but cannot manage the usual amount.
Plenty of people use a hardship arrangement at some point. Asking for one is sensible, not shameful, and it is always handled respectfully and in confidence.
What you can do
A hardship arrangement can take whichever shape genuinely suits you.
- Smaller payments spread over a longer period.
- A temporary pause while things settle.
- More time before payments need to begin.
- Sometimes, a reduced settlement to close the account off.
Step by step
- Have your account or reference number ready.
- Think about which kind of arrangement would help you most.
- Contact us through the contact form or reply to your letter, and ask about a hardship arrangement.
- Tell us a little about your situation and what you can manage.
- Once we agree on something, keep a copy for your records.
Free support available
A free financial counsellor can explain your options in plain language and help set up the right arrangement, including talking to us for you. Call the National Debt Helpline on 1800 007 007 — free, confidential and independent. There is more in our Help Centre.
Good to know
- A hardship arrangement is an agreed, manageable way to handle your account.
- It can mean smaller payments, a pause, more time, or sometimes a settlement.
- Anyone who wants to pay but cannot manage the usual amount can ask.
- Free help to set one up is available on 1800 007 007.
FAQ
Is a hardship arrangement the same as a payment plan?
A payment plan is one type of hardship arrangement. An arrangement is the broader idea, which can also include a pause, more time, or a settlement.
Does a hardship arrangement make the debt disappear?
Usually no — it makes the account manageable rather than erasing it, although a settlement can close it off. We will always explain clearly what your arrangement means.
Who can ask for a hardship arrangement?
Anyone who genuinely wants to pay but cannot manage the current amount right now. Just reach out, or ask a financial counsellor on 1800 007 007 to help.
Still stuck? Our team is happy to help you sort it out.