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Financial Hardship Policy

At SpinTel, we are committed to helping customers facing financial hardship maintain telecommunications access and working with you to find a sustainable solution. Disconnection will only be used as a measure of last resort. As a customer, you have a right to apply for financial hardship assistance, and it is free of charge.

What is Financial Hardship?

Financial hardship occurs when a customer is unable to fulfil their financial responsibilities to a company due to various reasons, such as:

  • Loss of employment of the customer or family member
  • Illness, including physical incapacity, hospitalisation, or mental illness of the customer or family member
  • Being a victim or survivor of domestic violence
  • A death in the family
  • Natural disaster
  • Unexpected events or unforeseen changes that have impacted the customer's income or expenditure
  • Other reasonable causes
How to Apply for Financial Assistance

If you're having difficulty paying your bill or seeking financial hardship assistance, please call us on 1300 303 375. Our staff will respect your privacy and are trained to determine what is a reasonable arrangement based on your circumstances. Please check our contact page for operating hours.

The Application Process

Once we've received your request for support, we'll assess and determine your eligibility. We will advise you within 5 working days of the outcome of our assessment (usually much quicker).

If your application is accepted, we will work with you to find an assistance option that will work for you.

To determine the most suitable assistance for you, we may inquire about your financial situation and the services you require from us. We will ask only enough questions to determine your ability to fulfil your agreement with us.

Negotiating an Agreement

The outcome of a financial hardship agreement normally involves a payment arrangement to help you repay your debt to us. We will consider your normal monthly repayments, as well as any amounts owing, and structure your agreement in a way that prevents further debt from accumulating.

We may require documentation to support the information you provide us. Supporting information will vary depending on your situation; multiple documents may be requested if you are a new customer, or the debt is significant.

Examples of supporting documentation:

  • Income and expense statements
  • Centrelink statements
  • Medical certificates

For short-term assistance, or if you are a victim or survivor of domestic or family violence, we will not request any documents.

Options for Assistance

We offer a range of assistance options designed to help in such scenarios. Some assistance options include:

  • Postponing or extending bill payment deadlines
  • Providing bill credits, such as waiving late payment or cancellation fees
  • Creating tailored payment plans
  • Discounting of debt
  • Changing you to a more suitable plan
  • Removing unnecessary product features at no cost
  • Implementing spend controls or service restrictions
  • Adjusting internal limits to prevent disconnection
  • Offering non-automatic payment methods for free
If Your Circumstances Change

If you are unable to honour your agreement with us, we may proceed with credit management, although this will only be a last resort. If your circumstances change and you're unable to maintain your payment arrangement, please contact us as soon as possible so we can work with you to find an alternative solution.

More Help is Available

We encourage you to call the National Debt Helpline on 1800 007 007 which offers free counselling services provided by community organisations, legal centres, and some government agencies.

Additional Support Resources

You may also find assistance online by visiting the following sites:

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