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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 I miss multiple payments and can’t make it up?
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 whilst 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?