Financial hardship Talk to us Phone us Email us Breadcrumbs Teachers Mutual Bank Contact Financial hardship Credit assistance Credit assistance Managing credit card debt Credit assistance Financial Hardship At Teachers Mutual Bank we understand there are times when you may face financial difficulty due to unemployment, relationship breakdown, illness, unfortunate financial choices or anything else life may throw at you. If you are experiencing financial stress, the best thing you can do is take action. If you do nothing, the problems are not going to go away and will probably get worse. Use our Credit Assistance service to discuss financial difficulties you are experiencing or that you may anticipate. We’re ready to listen and support you regain control of your Teachers Mutual Bank loans and accounts. We take the time to understand your situation and find the best possible way to help you manage your financial obligations with us. It’s part of our long-standing commitment to responsible lending and member service. Customer Owned Banking Code of Practice Download and print the credit assistance application form so we can consider your request for assistance related to financial hardship you are experiencing. If you provide all the information requested, we will get back to you with a decision on your application within 14 days. Not sure what to do with your debts? Call the National Debt Helpline on 1800 007 007. Apply for assistance Managing credit card debt Back to top.