Financial Hardship and Debt These resources are provided by Consumer Credit Legal Service WA COVID-19 Resources Mortgage Issues Problems with paying your mortgage due to Covid-19? (MoneySmart.gov.au). I am behind on my home loan repayment Hardship Contact details for your bank and how they can assist (Australian Banking Association) Will a mortgage deferral effect my credit rating? (Australian Banking Association) Consumer Rights Dealing with cancellations and refunds related to COVID-19 (Australian Competition and Consumer Commission) Coronavirus (COVID-19) FAQs – your consumer rights (Consumer Protection, WA Government) Useful Resources from Consumer Credit Legal Service WA I am experiencing financial hardship, and I want to ask my lender to vary my repayments. I am behind on my home loan repayments I am behind on my credit card repayments I want to buy a car. What do I need to know about contracts and car finance? My goods are being repossessed. What are my rights? What is a debt collector? What is a credit file and how do I get a copy of mine? What is a consumer lease? What is financial counselling, and do I need a financial counsellor? What are my rights as a consumer? I want to make a complaint against my Telco. I made a mistake with internet banking. What can I do? Should I take out a Payday Loan? Useful resources for dealing with debt and hardship National Debt Hotline 1800 007 007 Find a Financial Counsellor near you Financial Counselling Network (scroll down to "Are you in urgent need of help?" to find current available appointments). Find a Financial Counsellor Accessing Emergency Relief MoneySmart: Covid-19 making financial decisions COVID-19: Financial Hardship (Legal Aid WA) Useful resources on consumer rights. Australia Financial Complaints Authority Choice Australia The best way to contact the Consumer Credit Legal Service is by phone (08) 9221 7066 during normal opening hours. Please leave a message and your call will be returned as soon as possible.