If you’re suffering from temporary financial hardship (illness, unemployment or other reasonable cause) you do have the right to request your creditor to change your loan contract.This is referred to as a “hardship variation”, or commonly “financial hardship”.

We have compiled a list below of financial hardship & Government Department contacts:

Creditor/Institution Hardship/Department Name Contact Number/s
AGL Staying Connected Team 13 12 45
American Express (AMEX) 1300 660 562
AMP Banking Hardship Assistance Team 1300 157 820
ANZ Bank Customer Connect Team 1800 252 845
Mortgage Redraw Team 1800 077 070
Personal Loans Redraw Team 1800 801 485
Australian Taxation Office (ATO) 13 11 42
Bank of Queensland Financial Hardship Assistance Team – All Accounts 1800 079 866
Financial Hardship Assistance Team – Credit Cards 1300 441 287
Bank SA Bank SA Assist 1800 679 461
Bankwest 1300 769 173
Bendigo Bank (& Adelaide Bank) Bendigo Bank Accounts 1300 652 146
Adelaide Bank Accounts 1300 650 259
Capital Finance Hardship Line 1300 657 908
Centrelink Debt Recovery Department 13 63 30
Citibank Debt Management Solutions Department 1800 722 879
Commonwealth Bank Customer Assist Team 1300 720 814
Business Banking Support Line 13 26 07
Credit Union Australia Credit Services Team 13 32 82
Esanda Finance 1800 838 100
Fines Enforcement Registry – Western Australian Fines 1300 650 235
Fines Victoria Infringement Enquiries – Melbourne 03 9200 8111
Infringement Enquiries – Regional Victoria 1300 369 819
Enforcement Orders Department – Melbourne 03 9200 8222
Enforcement Orders Department – Regional Victoria 1800 150 410
Gateway Credit Union 1300 302 474
GE Capital/GE Money Hardship Department 1800 220 718
Heritage Bank Credit Control Team 1800 222 030
Holiday Coast Credit Union 1300 365 724
Homeloans Limited Client Services Department 1300 787 874
HSBC Bank 1300 555 988
IMB Bank 13 34 62
ING Direct 1300 349 166
Lombard Finance 1300 132 501
Members Equity (ME Bank) Customer Help Team 1300 500 520
My State Financial 13 80 01 (Option 2, then Option 4)
National Australia Bank NAB Care 1800 701 599
New South Wales State Debt Recovery Office (SDRO) Penalty Notices Department 1300 138 118
Enforcement Orders Department 1300 655 805
Optus Financial Advisory Support Team 1800 505 201
People’s Choice Credit Union Credit Management Team 13 11 82
Pepper Home Loans Pepper Help 1800 737 737
Queenslanders Credit Union 07 3218 7239
RHG Home Loans Pty Ltd Collections Team 1800 648 084
State Penalties Enforcement Registry (SPER) – Queensland Fines Contact Centre 1300 365 635
St George Bank St George Assist 1800 629 795
Suncorp Bank Customer Assist Team 07 3362 1333 and/or 1800 225 223
Sydney Water Bill Assist Department 13 20 92
Teachers Mutual Bank Credit Assistance Team 13 12 21
Telstra Payment Options Department 13 22 00
Toyota Financial Services Hardship Team 13 72 00
Virgin Mobile Australia 1300 304 900
WAW Credit Union Financial Hardship Department 02 6022 8445
Westpac Westpac Assist & Business Assist 1800 067 497
Woolworths Employees Credit Union 1300 665 553
Australian Competition & Consumer Commission (ACCC) Debt Collectors Complaints Department re: Non-Finance Debts/Accounts 1300 302 502
Australian Securities & Investments Commission (ASIC) Debt Collectors Complaints Department re: Finance Debts/Accounts 1300 300 630
Department of Human Services 1300 131 060
Early Release of Superannuation 03 6222 2189
Australian Financial Security Authority (AFSA) National Contact Number 1300 364 785
Office of Fair Trading – Queensland 13 74 68
Office of Liquor & Gaming Regulation (OLGR) – Queensland 13 74 68
Telecommunications Industry Ombudsman 1800 062 058
Equifax (formally Veda Advantage) Customer Service Department 13 8332