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Hardship/financial difficulty

Credit Consultants Group allows its customers who are experiencing genuine financial difficulty the opportunity to vary or amend their contract / payment arrangement so that they can continue to meet their credit obligations, in accordance with section 72 of the National Credit Code.

There are times when circumstances are simply out of your control. You may have had very good intentions of repaying your debt/s but your personal situation has changed. This sometimes occurs when you have had a bereavement in the family, loss of employment, ill health or for a number of other reasons.

We are here to help.

Our dedicated hardship team, CCG Connect, who have received specialised training in this area, will individually assess your request for assistance. CCG Connect will seek to understand your situation by gathering information on:

  • Your circumstances, have they changed and expectations on improvement
  • Your current financial position
  • How assistance from us will help you get back on track with repayment of your debt/s

Download the Statement of Financial Position Form

The form can be filled in on a computer by opening it with Adobe Acrobat Reader or you can print the form out, fill it in and mail it to us at:

  • Email address of, or post to
  • GPO Box 2624, Melbourne, VIC, 3000

  • A response acknowledging receipt of this documentation will be forwarded within 24 hours and a full response re the outcome within 14 days.

    The type of assistance able to be provided will vary depending on individual circumstances, but may include temporarily reducing the current repayment amounts, deferring payments for a short period of time, referring yourself to a budgetor or possibly a re-financier. Financial counselling services are available in every state and territory. It is in CCG’s and our clients’ interests to help those of you who are in need.


    Please be assured that your request will be treated with the respect it deserves.