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Financial difficulty - FAQs
Struggling with repayments.
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What do I do if I want to make a complaint?
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How will missing payments affect my credit record?
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What happens if I miss multiple payments and can’t make it up?
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What happens if my transaction account is overdrawn or I go over my overdraft limit?
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What happens if I miss a credit card payment?
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What happens if I miss a personal loan repayment?
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What happens if I miss a home loan repayment?
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How can I reduce my loan repayments?
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How can I prevent late or missed payments?
Financial hardship assistance.
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Will hardship assistance affect my credit rating?
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How does hardship assistance actually work?
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Can I only request hardship assistance once I’ve missed a payment?
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What types of changes in circumstances would mean I can qualify for financial hardship assistance?
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What type of financial hardship assistance is available?
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Is there anything that I can do?
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How long am I able to receive hardship assistance for?
Applying for financial hardship assistance.
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What happens if I can't fill out the financial hardship application form online?
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What happens if my application for financial hardship is declined or I'm not happy with the outcome?
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Can someone else negotiate hardship assistance on my behalf?
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Will I still receive collection calls and correspondence from Westpac whilst my hardship application is being processed?
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What documents do I need to support my financial hardship application?
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What happens once I have filled in the online financial hardship application form?
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How long will it take to review my financial hardship application?
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Can I apply for KiwiSaver hardship using this form?