Useful documents - Mortgage stress
These documents and external links are also found in different places throughout this self-help guide.
I'm behind in repayments
Hardship variations
- Sample letter to apply for a hardship variation
- Guide for applying for a hardship variation by phone
Australian Financial Complaints Authority Complaint Resolution
- Information to include when lodging a dispute
- Checklist - settling hardship variation disputes at AFCA
- AFCA complaint form
- AFCA complaint resolution detailed process map
- AFCA complaint resolution process simple flowchart
- Statement of Financial Position
Court forms
- Form 6 - Memorandum of Appearance
- Form 9 - Application for a Suspension Order (available under 'Civil Judgments Enforcement Act Forms')
- Affidavit template
Court orders to vary credit contracts
- Information on how to complete an application for financial hardship to the Federal Circuit and Family Court of Australia to vary a credit contract.
Unfair loans
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