Self-service

Financial Hardship

Life happens. Tell us what's changed and we'll work with you on a path forward with respect, dignity, and discretion.

How this helps

We focus on outcomes that work for your situation

Share what you can, our team will review it and come back within 7 days with options and next steps.

We all face unexpected circumstances that affect our financial position from time to time. At Complete Credit Solutions (CCS) we focus on helping you meet your obligations within your current financial means. We have numerous options available to assist our customers in reaching financial recovery.

Our staff will assist you with respect and dignity, and work with you to achieve the best outcome for you in the immediate and long term. Please complete and submit the Financial Hardship Assistance Form below, along with any relevant supporting documentation, and we will respond with options or next steps.

Helpful tip, if you're completing this on your phone you can take photos of supporting documents, or screenshot anything you have access to, and attach them to this submission to help expedite the process.

Financial documents and calculator on a desk

What we’ll ask for

How to apply for help

Everything below takes around 10–15 minutes. You can save and resume later.

Step 01

Personal Details

Step 02

Contact Details

Step 03

Situation Circumstances

Step 04

Income, Assets & Expenses

Step 05

Supporting Documents

Application

Financial Hardship Assistance Form

Please fill out the information below. You'll find your account reference number on any correspondence from Complete Credit. Prefer paper? Download the PDF version.

Step 01

Personal details

Who is submitting this request? These details help us match you to the right account.

Numbers only — non-numeric characters are removed automatically.

Include anyone who relies on you for financial support, including adults e.g. your spouse, partner, child or relatives.

Step 02

Contact details

Please fill out the following information for the primary borrower / customer with the debt.

Numbers only — non-numeric characters are removed automatically.

Numbers only — non-numeric characters are removed automatically.

Australian postcodes are 4 digits. Non-numeric characters are removed automatically.

Step 03

Your situation

Help us understand why you are requesting financial hardship assistance and how long you think you may be in this situation.
Why are you requesting financial assistance? (select at least one)
When did your situation change?

This helps us better understand what type of assistance we can offer you.

Are you dealing with any other debts?

Step 04

Income, assets & expenses

Your income and assets refers to household income — including any source of income you are dependent on such as a spouse / partner's income. Please fill out at least your primary income. Any sections that are not applicable, please enter $0.

Primary income

Other income

Assets

Expenses

Rent / Mortgage
Child / Dependant Expenses
Food & Groceries
Medical, Health & Fitness
Education
Clothing & Personal Care
Transport
Utilities (Gas, Electricity, Water)
Communication (Internet, Landline, Mobile)
Insurances (Life, Vehicle, House, Health)
Other Expenses & Purchases

Repayments

Include any student loans (HELP), child support payments, Australian Tax Office debts, or court ruled debts. We may ask for documents to confirm these details e.g. bank statements, court orders or legal documentation. If you do not have any debts, leave this blank.

Repayment 1

Repayment 2

Repayment 3

Payment Arrangements to resolve current CCS accounts

Are you able to maintain a payment arrangement? If yes, please provide how much you could afford and the frequency of this payment for our team to review.

Step 05

Supporting documents

We may request documentation from you to better understand your situation. Providing documents now can assist with expediting your request, however, we still may need to request further documentation. Examples of information that may be requested are listed below.

Evidence of income, these may include:
  • Payslips
  • Bank Statements
  • BASS / PAYG Statements
  • Tax Returns
  • Government Income Support Payment (e.g. Centrelink Statements or WINZ Statements)
  • Group Certificates
Evidence of circumstance, these may include:
  • Medical Certificate
  • Death Certificate
  • WorkCover Claim
  • Superannuation Statement
  • Police Report / Protection Order
  • Insurance Claim
  • Court Documents
  • Statutory Declaration
  • Creditor Notices / Bills
  • Eviction Notices / Tenancy
  • Letters of Authority
  • Letter of Support (e.g. from Medical Professional / Doctor / etc.)
  • Separation Certificate

Documentation upload

Drag and drop files or click to browse

Up to 12 files, 50 MB total. Max 25 MB per file. Accepted: PDF, images, Word, Excel. (If you are unable to upload, you can email documents to hardship@completecredit.com.au.)

No files attached.
No files selected.

Declaration

Applicant’s signature

If you cannot draw a signature using a mouse, finger or stylus, type your full name in the text field below — a typed signature is acceptable as your declaration.

Signature pad is empty.

Alternative submission

Prefer email or post?

Download the PDF, complete it, and send it to hardship@completecredit.com.au or post to PO Box W167, Parramatta Westfield, Parramatta NSW 2150.

Download PDF