If you have concerns about your finances, or think you might miss a payment, the best thing you can do is get in touch with us as soon as you can. We’re here to help and depending on your circumstances, we may be able to support you with some temporary financial hardship assistance. Alternatively, we can look at ways to consolidate your debt or move to you a product with lower interest rates. You may also wish to seek free, independent and confidential budgeting advice from MoneyTalks (run by FinCap) on 0800 345 123 or at moneytalks.co.nz.