If you are struggling financially or are worried about your current financial position and are concerned that you might experience difficulties meeting your financial obligations with P&N Bank, you should contact us as soon as possible.
We’ll do our best to work with you and may be able to offer you Financial Hardship Assistance.
We understand that unexpected or exceptional circumstances can occur such as:
These circumstances can impact your financial situation and your ability to make repayments to your loans and other credit contracts. We are here to help customers experiencing hardship or having genuine difficulty meeting repayments.
Examples of assistance we may be able to provide include, but are not limited to, flexibility or moratorium in meeting your scheduled repayments, or an extension of your loan term resulting in lower monthly repayments.
If you are unable to meet your financial obligations, as a result of financial difficulties, you may be eligible to receive Financial Hardship Assistance from P&N Bank.
In the first instance, we recommend you contact our Financial Hardship team on 1300 591 276, 8.30am to 5.00pm AWST Monday to Friday.
Alternatively, you can contact us in the following ways:
Complete the Application for Hardship Assistance Form
You can also print and manually complete a PDF version of our Financial Hardship Assistance application form, which can be returned to us by email or post.
Please ensure any requested supporting documents are included with your application.
Attn: Financial Hardship Assistance, Credit Management, P&N Bank
PO Box 8609
PERTH BC WA 6849
The information that we will need from you will vary dependant on your individual circumstances but will usually include:
We may also require additional information, which may include:
We will acknowledge your request for financial assistance within 24 hours of receiving your request.
We will then review your application and may be able to offer you assistance if you are suffering genuine financial difficulties or hardship and can demonstrate that you are still able to meet your loan and credit contract obligations if provided with assistance.
We will advise whether we are able to offer you financial hardship assistance, or any other appropriate arrangement within 21 days of receiving your application.
Whilst we will always attempt to provide assistance to those that are experiencing genuine financial difficulty, we may not always be able to provide this assistance, for a variety of reasons.
Should you disagree with a decision made by P&N Bank, or wish to make a complaint in relation to your request for hardship, you can utilise P&N Bank's internal dispute resolution (IDR) process by contacting the Member Advocate on 13 25 77 or:
Email: Member Advocate
Mail: Attn: Member Advocate, P&N Bank, PO Box 8609, PERTH BC WA 6849
P&N Bank also subscribes to an external dispute resolution scheme (EDR) provided by the Australian Financial Complaints Authority (AFCA), who can be contacted as follows:
Email: [email protected]
Phone: 1800 931 678 (free call)
Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
For further information relating to and for assistance with financial hardship, please visit the following links:
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