Financial Hardship Policy

About us

ListSure Retail Finance Pty Ltd (Australian Credit Licence (ACL) 536827) (ListSure Retail Finance, or we or us) is a registered Australian company and is a credit provider and provides credit services for the purposes of the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act).

In this policy, unless the context provides or requires otherwise, a reference to ListSure Retail Finance (or we or us or our) and our business is a reference to the lending business operated by ListSure Retail Finance Pty Ltd and its services.

 

Our Commitment

We understand our responsibility to assist customers facing financial difficulties. We take all hardship notices seriously and are committed to addressing them promptly, fairly, and in accordance with relevant laws and regulations. We will make every effort to find suitable arrangements if you are experiencing financial hardship.

This policy aims to support you in resolving financial hardship by creating fair and balanced solutions, while also addressing our need to recover the debt. Our goal is to restore the loan's performance and avoid the costs associated with debt collection for both parties.

 

Application of this Policy

This policy applies to our client’s experiencing hardship. It outlines what you can expect when seeking support from us.

Our Financial Hardship Policy covers, but is not limited to, situations arising from:

  • increased cost of living;

  • reduced income;

  • unexpected expenses;

  • unemployment;

  • illness;

  • death;

  • relationship or family breakdowns;

  • family and domestic violence, and

  • natural disasters such as floods, bushfires, or other emergency events.

We will try to identify these circumstances early. You can apply for hardship assistance once you have a debt with us.

When to contact us

Please contact us immediately if you are concerned about your ability to make payments. This allows us to discuss your situation and explore payment options to help ease your stress. You can reach us via:

 

How we handle your request

We will provide you with a Hardship Pack to assess your financial situation. We will then review the information you provide and work with you to develop a reasonable arrangement based on your circumstances. This may include adjusting your payment schedule to weekly or fortnightly instalments.

 

If you need help to lodge a request

We are here to assist if you need help to lodge a request. You can also adjust the font size to read any information on our website, including this policy.

The National Relay Service (NRS)

  • Voice Relay number:1300 555 727

  • TTY: 133 677

For more information, visit the NRS website.

If you speak a language other than English, you can book an interpreter with:

The Translation and Interpreting Service (TIS National):

https://www.tisnational.gov.au/ or call 131 450