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Financial difficulty - FAQs

Struggling with repayments.

  • What do I do if I want to make a complaint?
  • How will missing payments affect my credit record?
  • What happens if my transaction account is overdrawn or I go over my overdraft limit?
  • What happens if I miss a credit card payment?
  • What happens if I miss a personal loan repayment?
  • What happens if I miss a home loan repayment?
  • How can I reduce my loan repayments?
  • How can I prevent late or missed payments?

Financial hardship assistance.

  • Will hardship assistance affect my credit rating?
  • How does hardship assistance actually work?
  • Can I only request hardship assistance once I’ve missed a payment?
  • What types of changes in circumstances would mean I can qualify for financial hardship assistance?
  • What type of financial hardship assistance is available?
  • Is there anything that I can do?
  • How long am I able to receive hardship assistance for?

Applying for financial hardship assistance.

  • What happens if I can't fill out the financial hardship application form online?
  • What happens if my application for financial hardship is declined or I'm not happy with the outcome?
  • Can someone else negotiate hardship assistance on my behalf?
  • Will I still receive collection calls and correspondence from Westpac while my hardship application is being processed?
  • What documents do I need to support my financial hardship application?
  • What happens once I have filled in the online financial hardship application form?
  • How long will it take to review my financial hardship application?
  • Can I apply for KiwiSaver hardship using this form?
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