Hardship Application

What to do if you suffer unforeseen hardship

If you are unable reasonably to keep up your payments or other obligations because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to apply to Ed Lend for a hardship variation. Do this as soon as possible. If you leave it for too long, we may not have to consider your application.

You can only apply for hardship when at least four months has past since your last hardship relief period ended. We do not charge a fee for processing or approving a hardship applications.

To apply for a hardship variation, you need to:

  1. make an application in writing; and
  2. explain your reason(s) for the application; and
  3. request one or both of the following:
  • an extension of the term of the contract (which will reduce the amount of each payment due under the contract);
  • a postponement of the dates on which payments are due under the contract (specify the period for which you want this to apply);

You can do this by completing and submitting this web form.