If you are unable reasonably to keep up your payments on your loan because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to ask us to vary the terms of your credit agreement with us (we call this a Hardship Variation). To apply for a Hardship Variation, you need to:
Do this as soon as possible. If you delay for too long in making an application, or do not meet the Hardship Variation criteria, we may not have to consider your request.
If we agree to your requests, we may ask you to enter into a new agreement or we may change the terms of your existing credit agreement with us to help you meet your obligations. If we agree to a Hardship Variation, you will have to pay a “Refinance Fee” (as set out in the fee schedule here).