Experiencing Financial Hardship?

At Red Rat Clothing, we recognize that life’s unforeseen challenges can have a significant impact on one's financial stability. Whether it be an abrupt loss of income, a debilitating illness, or the aftermath of a difficult breakup, these circumstances can create financial strain. Should you find yourself in such a predicament, rest assured, we are here to help.

What to Do If You're Facing Financial Hardship

If you are encountering financial hardship, we encourage you to reach out to our dedicated customer service team. Trained to handle such situations with utmost care and empathy, they stand ready to assist you promptly.

For expedited assistance, we recommend utilising our Chat function on our webpage, where our response times are swift, allowing for an immediate evaluation of your hardship application. Alternatively, you may opt to contact us directly via phone.

Chat with Us or Call Us

For those who prefer a non-live interaction, you have the option to submit a webform for review. However, to ensure the quickest resolution, we advise utilising our chat or phone services.

What Happens Next?

Upon receipt of your application, we will collaborate with you to determine a suitable arrangement for your payments. This may involve extending your payment due dates to provide you with the necessary time to regain financial stability, known as a Financial Hardship Arrangement.

Rest assured, we will maintain open communication with you to regularly review your situation and adjust the arrangement as warranted by your circumstances. Here is what you can anticipate once enrolled in a Financial Hardship Arrangement with us:

• Payment Extensions: We understand that meeting payment deadlines may become challenging during times of hardship. Therefore, we may offer extensions on payment due dates to provide you with additional time to manage your finances.
• Reduced Payment Plans: If your financial situation necessitates it, we may develop a tailored payment plan that reduces the amount you need to pay each instalment while still satisfying your obligations over time.
• Fee Waivers: Depending on your circumstances, we may waive certain fees associated with late payments or other financial transactions to lessen the financial strain.
• Temporarily suspend accruing interest charges: In some cases, we may be able to suspend the interest rates on outstanding balances, reducing the overall cost of repayment and easing your financial burden.
• Debt Consolidation: We can provide recommendations for reputable organizations specializing in consolidating your debts into a single manageable payment, thereby simplifying your financial obligations.
• Financial Counselling: We can provide access to resources or referrals to financial counselling services to help you better understand your financial situation and develop effective strategies for managing your finances in the long term.

Flexible Repayment Terms: Our goal is to work with you to develop repayment terms that align with your current financial capabilities, ensuring that the repayment process is manageable and sustainable for you.

These options are designed to be flexible and adaptable to your individual circumstances, providing personalised solutions to help you navigate through challenging times. Please reach out to our customer service team to discuss which options may be most suitable for your situation.

If you need more support, there are resources available to you:

• MoneyTalks: A free helpline for financial advice and support.
• Good Shepherd New Zealand – DEBTsolve
• Debtfix
• Family Services Directory
• CAP – Christians Against Poverty
• Sorted NZ

Got a Complaint?

We value your feedback and are committed to addressing your concerns. If you have a complaint, please reach out to us using one of the following methods:

Website: www.redrat.co.nz.

Email: Send us an email at hello@redrat.co.nz,

Mail to: Red Rat Clothing

PO Box 97652,

Manukau, Auckland 2241

We strive to respond to all complaints promptly and thoroughly. Thank you for helping us improve our services!

You have access to a free, independent dispute resolution service that will help to investigate or resolve your complaint if it is not resolved to your satisfaction using Red Rat’s internal complaints process. The contact details of this scheme are set out below:

Financial Dispute Resolution

PO Box 5730

Email: enquiries@fdr.org.nz

Website: www.fdr.org.nz

We take all complaints seriously and we will do our best to resolve your issue in a timely and satisfactory manner.