Unforseen Hardship

If you are unable reasonably to keep up your payments or other obligations because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to apply to the creditor for a hardship variation.

To apply for a hardship variation, you need to:

• make an application in writing; and
• explain your reason(s) for the application; and
• request a postponement of the dates on which payments are due under the contract (specify the period for which you want this to apply); and
• give the application to the creditor

Do this as soon as possible. If you leave it for too long, the creditor may not have to consider your application.