Financial Hardship

Financial Hardship means a situation where:

  1. A customer is unable to discharge their financial obligations owed under their consumer contract or otherwise discharge their financial obligations to a provider, due to circumstances, including:
    1. Personal or household illness;
    2. Unemployment;
    3. Low or insufficient income, including reduced access to income;
    4. Being a victim survivor of domestic or family violence;
    5. A death in the family;
    6. A change in personal or family circumstances;
    7. A natural disaster;
    8. Unexpected events or unforeseen changes that have impacted the customer’s income or expenditure; or
    9. Other reasonable causes;
  2. The customer considers that they will be able to discharge those obligations if an agreed arrangement for financial hardship assistance relating to the supply of telecommunications products by the provider is implemented.

Statement of intention:

We are here to help.

We will work with you to help you respond to financial difficulty, whether temporary or long-term. We are committed to helping customers facing financial hardship maintain telecommunications access and working with you to find a sustainable solution. Any help we can give will depend on your individual circumstances, and we provide help on a case-by-case basis.

Contact us:

You have a right to apply for financial hardship assistance and we encourage you to contact us if you experience any difficulties paying our services. Please contact us by calling 1300 726 310 if you would like to discuss any Financial Hardship matters with us. You can do so from 8am to 7pm Monday to Fridays or 9am to 5pm Saturdays.

The process:

When assessing your eligibility for Financial Hardship, we may request supporting documentation to conduct an assessment. However, a we would not ordinarily require it unless:

  • It appears that the financial arrangement will need to be long term;
  • The Supplier considers the amount to be repaid large or significant;
  • The Customer has not been the Supplier’s Customer very long; or
  • The Supplier reasonably believe there is a possibility of fraud.

If you satisfy one of the above criteria, we may ask you to provide certain documents such as:

  • A statutory declaration or official written communication from a person or support group that is familiar with your circumstances;
  • Evidence that you consulted a recognised financial counsellor; and
  • A statement of your financial position.

We may not be able to make an assessment of your circumstances if you do not provide us with the requested information. We may use the information you provide as well as other information available to us. Once we received all required information, we will let you know within 5 working days whether you are eligible for assistance under our Financial Hardship Policy.

Note: Customers seeking short term assistance or who are a victim survivor of domestic or family violence are not required to provide evidence to support their application for financial assistance.

If you are eligible, will work with you to come to an arrangement that allows you to pay your outstanding charges in a way that does not worsen your financial position. Where appropriate we will discuss means with you how to limit your spend (this may include barring some service features) during the time of our arrangement and thereafter.

Once we come to an agreement we will put this in writing via letter or email to you. You have the right to request these details in writing. You must inform us if your circumstances change (for better or for worse) during our arrangement.

We will not charge you for assessing your Financial Hardship circumstances or for administering the matter.

Your options

If you are experiencing Financial Hardship, there are a few options that may be available to you depending on your circumstances.

If you wish to stay connected with us, some options include:

  • Spend controls;
  • Restriction of service, in respect of overall or specific services;
  • Transferring you to a Pre-Paid Service;
  • Transferring you to a contract which includes hard caps or Shaping; or
  • Low cost interim options until you can continue with original payments.

Some other options for suitable financial arrangements include:

  • Temporarily postponing or deferring payments;
  • Agreeing on an alternative arrangement, plan, or contract, including discussing Pre-Paid Services;
  • Discounting or waiving of debt;
  • Waiving late payment fees;
  • Waiving cancellation fees; or
  • Incentives for making payments, for example payment matching.

Note that:

  • the goal of the payment assistance policy is to prioritise keeping customers experiencing financial hardship connected; and
  • that disconnection will only be used as a measure of last resort.

    • Information on the Complaints Handling Process:

    You may wish to make a complaint and request a review if you are not satisfied with the outcome of your Financial Hardship application. Pursuant to the Australian Communications Media Authority (‘ACMA’) Complaints Standard, a complaint does not include an initial call to request information or support or to report a fault or service difficulty unless you advise us that you want that call treated as a complaint and does not include an issue that is the subject of legal action. You can also make a complaint in writing by email or post.

    We are required to acknowledge all complaints within two working days, use our best efforts to resolve the complaint on first contact and otherwise resolve the complaint within 15 working days. As an additional safeguard to ensure that your complaint is properly handled, any complaints data that we receive will be provided to the ACMA to allow it to monitor our complaints-handling process in line with the ACMA Record-keeping Rules.

    Telecommunications Industry Ombudsman (TIO) complaints

    If you are not happy with the outcome of your application for payment assistance or the proposed resolution of a complaint you have made you can contact the TIO.

    You can raise a TIO complaint or find out more information on the TIO website tio.com.au/complaints or call 1800 062 058 (Monday – Friday, 8.00am – 8.00pm AEST).

    Note: Making a complaint referred to Telcoplus or the TIO does not prevent the customer from agreeing to an arrangement for financial hardship assistance.

    Finding a financial counsellor

    You can talk to a phone financial counsellor or a consumer advocate who deals with financial difficulty matters from anywhere in Australia by ringing the National Debt Hotline on 1800 007 007 (minimum opening hours are 9.30 am – 4.30 pm Monday to Friday). This number will automatically switch through to the service in the State or Territory closest to you.

    Alternatively, you can find the financial counselling service nearest to you by visiting ndh.org.au

    Other assistance

    MoneySmart moneysmart.gov.au
    Department of Human Services humanservices.gov.au
    1800 Respect 1800respect.org.au

    Phone: 1800 737 732
    Woman Resource Information and Support Centre (WRISC) Aboriginal Family Violence Program wrisc.org.au/aboriginal-family-violence-program

    Phone: (03) 5333 3666
    MensLine Australia mensline.org.au

    Phone: 1300 789 978
    Telecommunications Industry Ombudsman (TIO) tio.com.au

    Phone: 1800 062 058
    Wireless InternetPhone Solutions