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Financial Hardship Process
Financial Hardship FAQs
Will we ask you for your medical information?
Will we ask you for your bank statements?
What to do if I am experiencing financial difficulty
How can my lender help me with my financial hardship?
What information should I give my lender for a financial hardship application?
What if the lender has agreed to my request for financial hardship assistance?
What if the lender has declined my request for financial hardship assistance?
How will CIO deal with my financial hardship complaint?
Should I make payments while my complaint is open with CIO?
My lender is taking legal action. What should I do?
My lender has obtained judgment. Can CIO consider my complaint?
I received a notice to vacate. Can CIO consider my complaint?
How many times can I make a hardship application?
Can I ask for time to sell my property?
Can I ask for time to refinance?
What if I want time to access my superannuation?
I have a lease or a rental agreement. Can I make a hardship complaint to CIO?
My loan is for business or investment purposes. Can I make a hardship complaint to CIO?
Can a small business make a complaint to CIO?
I am bankrupt. Can I make a financial hardship complaint to CIO?
What if my co-borrower wants nothing to do with my request for hardship assistance?
Who can make a complaint to CIO?
Where do I start?
Am I bound by CIO’s decision?
Can anything be done about fees?
Do I need a lawyer or other representation?
Does CIO offer advice on a financial services provider's products or services?
How do I make a complaint?
How is CIO funded?
Who is the Ombudsman?
How much does it cost?
I might have a complaint, can I get some advice?
I need a copy of my credit file, can CIO help me?
I need legal advice, can CIO help me?
Is the process confidential?
What complaints aren't covered by CIO?
What complaints can CIO consider?
What do I say in my complaint?
What happens at a hearing?
What happens at the Conciliation Stage?
What happens at the Determination Stage?
What happens if I receive a Determination?
What happens once I make my complaint?
What is a "Conciliation Conference"?
What if the complaint remains unresolved after conciliation?
What if I am experiencing financial hardship
What happens once I receive a copy of the members response?
What happens if my complaint is considered by CIO?
Complaints CIO covers
Third Party Authority
Information we may ask for
Information we consider
Offensive or Defamatory Information
Assistance & Information
Financial Information and Assistance
Specialist Assistance Services
Community Legal Centres
Legal Aid Offices
Indigenous Assistance Services
Complaint Resolution Schemes
State Govt Ombudsman Offices
Consumers Affairs & Fair Trading Offices
Small Claims Courts & Tribunals
Financial Industry Associations
News and Events
News and Information
Consumer News - December 2016
Consumer News - August 2016
Consumer News - June 2016
Consumer News - April 2016
Consumer News - January 2016
New Decisions published
Consumer News - August 2015
Consumer News - May 2015
Privacy Awareness Week 2015
Increase of monetary compensation limit
Change of name: from COSL to CIO
Consumer News - December 2014
COSL appoints new Consumer Director
COSL releases its Annual Report on Operations 2013-2014
Consumer News - September 2014
COSL appoints new Industry Director
Consumer News - June 2014
COSL 9th Edition Rules – summary of important changes
Consumer News - March 2014
Obtaining your Credit File for free
Information about Credit Repair Agencies
Consumer News - October 2013
Consumer News - June 2013
Consumer Guide No 1
CIO News - July 2016
CIO News - May 2016
CIO News - February 2016
CIO News - December 2015
CIO News - August 2015
CIO News - May 2015
CIO News - February 2015