Financial Hardship

Financial Hardship

Heritage understands that life can take unexpected turns. For this reason, we have developed policies and processes to assist members with their mortgage loans, personal loans and credit cards in times of financial hardship.

If you are having difficulty meeting your financial commitments please contact our Collections team. They'll discuss your circumstances discreetly and provide a solution to help you through this tough time.

Alternatively, to apply for Hardship relief, please complete the Hardship Relief form and return to Heritage. When the form is received, Heritage will contact you to discuss your application further.

Collections team contact details

Phone: 1800 222 030 during business hours 
Fax: (07) 4694 9169 
Email: collections.hardships@heritage.com.au 
Mail: Hardship Officer 
         Collections Department 
         Reply Paid 190 
         Toowoomba  QLD  4350 
         (No stamp required if posted in Australia)
Customers affected by bushfires

Heritage Bank is offering a helping hand to customers impacted by the devastating bushfire emergencies across Australia.

As a community-centric organisation, Heritage has put together a Bushfire Relief Package that includes a series of measures to assist customers and staff through these difficult times.

This includes:

  • Hardship provisions to help impacted customers through their situation.
  • Waiving fees associated with restructuring of loans needed because of bushfire impacts. 
  • Waiving or refunding fees incurred because bushfire impacts have made it impossible for customers to comply with requirements of their accounts, for example missed payments.
  • Early redemption on Term Deposits and Farm Deposit Management accounts for customers impacted by bushfires, without fees or penalties.
  • Assisting customers who have lost homes or vehicles and are insured through Allianz by fast-tracking their claims and escalating calls to a bushfire specific claims officer if needed.

Customers impacted by the bushfires can contact Heritage’s 24/7 contact centre on 13 14 22 to talk about the assistance we can provide.

Heritage also understands that some staff in affected areas may need to prioritise protecting their homes and ensuring the safety of loved ones. We also know that some of our staff are volunteer firefighters and may be called on to help battle these blazes. We support our staff in these activities and understand it may impact on their ability to get to work as usual.

Above all, safety is the number one priority. If you are in a bushfire hotspot we encourage you to monitor the bushfire situation through the media and through fire service websites to ensure you are aware of where there are dangerous fire zones.

Let’s rally behind our communities and support each other in this time of need.

Financial elder abuse concerns

Financial abuse occurs when someone manipulates another person’s decision-making, or controls access to their money or other property without their consent.

It’s a serious issue that can affect anyone, however some people, like the elderly, or other vulnerable and isolated people are at higher risk.

The Australian Government’s My Aged Care phone line and website can help you to access services and find information.

National Helpline

Call the national 1800 ELDERHelp (1800 353 374) line (free call) to talk to someone about potential or actual elder abuse. This service provides information on how you can get help, support and referrals.

My Aged Care website - Elder Abuse Concerns

https://www.myagedcare.gov.au/legal-information/elder-abuse-concerns