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In line with legislation introduced 1 July 2022, if you receive help for financial hardship, P&N Bank is required to indicate that you are under 'Financial Hardship Assistance' and a record will be placed on your repayment history indicator. This will be in place for a period of 12 months from the date assistance was provided. We will not advise any credit provider of the reason for assistance.

However, if you default on that arrangement or otherwise break the terms of the help offered, we do reserve our rights under the loan contract.