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We understand that unexpected life events such as unemployment, illness, relationship breakdown, or natural disasters can result in financial stress. Financial hardship is when a change in your circumstances makes it difficult for you to manage your debts and make repayments when they are due. If you're experiencing financial difficulty, we encourage you to reach out to us early, so we can help find the right solution for you.
Our approach is to actively assist any member facing difficult financial circumstances and we offer a range of options to help best suit your needs, including:
If you find yourself unable to maintain repayments within the terms of your credit contract with us or are worried about your situation, please contact us as soon as possible so we can better understand how we can help you. You can contact us using one of the options below or by completing the Statement of Financial Position Form. It’s important to contact us if your circumstances change, even if it’s only short term.
| Contact details | ||
| Call us | 1300 364 400 (9.00am - 5.00pm, weekdays) | |
| Visit us | Find your local Service Centre | |
| Email us | hardship@unity.bank | |
| Mail us | PO Box A253, Sydney South NSW 1235 | |
| Enquire online | Send our team a quick message using our dedicated Financial Hardship Enquiry Form | |
We also understand that at times you may like to have a friend, relative or third party representative such as a financial counsellor deal with us, on your behalf. Should this be the case, we require written authority to discuss your personal and account information first to maintain your privacy and then can work together to get you back on track.
When you apply for assistance, our Credit Care & Recovery team will assess your situation and look at options that may be available to you – whether that’s giving you a hand in the short term or setting you up for the long term. They will also advise on the next steps and any documentation required, depending on your circumstances.
