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• Variations

  • What is a variation?

    A variation is any alteration to the terms of a financial contract.  A variation may be considered if you are undergoing some unforeseen financial hardship and are unable to pay the contract according to the current agreement.

  • Is there a cost for performing a variation?

    A Variation Fee of $15.00 is charged on the variation of the repayment terms of any of your financial contract.

  • How do I get a variation done?

    If you would like to discuss a variation please phone our Collections team on 0800 588 188 or (09) 580 7270.

• Payment arrangements

  • Is there a cost for making a payment arrangement?

    A fee of $15.00 may apply for each payment arrangement made.

  • What is a payment arrangement?

    A payment arrangement is an agreement between the financier and the customer regarding a payment amount and due date which replace that specified on your monthly statement.  A payment arrangement may be considered if you are undergoing some unforeseen financial hardship and are unable to meet your normal payment obligations.

  • How do I make a payment arrangement?

    To discuss a payment arrangement please phone our Collections team on 0800 588 188 or (09) 580 7270.

• Arrears process

  • What happens if my payment is less than the minimum amount due?

    If your payment has not been received on or before your due date for the total amount due your account will enter the arrears process.  Your account will become subject to arrears fees which are charged in three stages:

     

    Stage 1: $15.00 charged at 20 days overdue.

    Stage 2: $15.00 charged at 45 days overdue.

    Stage 3:  $15.00 charged at 95 days overdue.

     

    If at any stage during the arrears process payment is received to your account for the full arrears amount your account will be brought back up to date.  Once this occurs the arrears process ends and further arrears fees will not be charged.

  • What do I do if I am going through some financial hardship?

    If you would like to discuss a solution to your current financial situation please phone our Collections team on 0800 588 188 or (09) 580 7270.

  • What happens if I miss my due date?

    If your payment has not been received on or before your due date your account will enter the arrears process.  Your account will become subject to arrears fees which are charged in three stages:

     

    Stage 1: $15.00 charged at 20 days overdue.

    Stage 2: $15.00 charged at 45 days overdue.

    Stage 3: $15.00 charged at 95 days overdue.

     

    If at any stage during the arrears process payment is received to your account for the full arrears amount your account will be brought back up to date.  Once this occurs the arrears process ends and further arrears fees will not be charged.

  • Why have I received an Overdue letter?

    An overdue letter is sent at each stage of the arrears process.  If you have received an overdue letter it means that your payment has not been received on or before your due date for the total amount due.

    If you have not yet made your monthly payment please do so immediately.

    If you have made a payment to your account for the month please phone our Customer Service centre on 0800 10 11 70 to ensure it is applied to your account.