If you are unable to make your next repayment or are experiencing financial difficulty, it is important you contact your BNPL provider as soon as possible to discuss your options.
As part of the Code of Practice, the BNPL providers commit to treating you with sensitivity, understanding and best industry practice, especially when it comes to the factors that are or could contribute to you being financially vulnerable.
They are also required to have a hardship policy, ensuring you can submit a Hardship Request that is fair and accessible.
If you decide to submit a Hardship Request they will respond to it within 21 days of receiving it and clearly communicate the options available to assist with your situation. And while they are consider your Hardship Request they will freeze any late fees.