Financial hardship application

Account numbers
Personal details
Contact Information Section

Did you know we have other payment extension options? Before applying for Spark hardship, take a look at all the options available to you. See all payment extension options

If you are the account holder or you hold Power of Attorney over the accounts, please use this form to apply for financial hardship assistance.

Note: We will require proof of Power of Attorney once we start processing your application.

Before applying for a payment extension or hardship support with Spark, we encourage you to consider options you may have available such as, insurance cover under your existing policies (i.e. income protection, medical insurance if applicable) or Government Assistance. It may be a good idea to get in touch with a budget advisor that can help you deal with your immediate money problems.

Please answer all fields marked with an asterisk (*).

This information will be used in accordance with our Hardship Policy. View Hardship Policy

ACCOUNT INFORMATION

List your Spark account number(s)

You can find this on the top right hand corner of your Spark statement

Spark account number *

Spark account number

Your full name

First name *

Last name *

Account holder name if different from above

Applicable if you have Power of Attorney over the account

Account holder's first name

Account holder's last name

CONTACT INFORMATION

Contact phone number *

Alternative contact number

Email address

EMPLOYMENT AND FINANCIAL DETAILS

Select the primary reason why your or your household is in financial hardship *

Please describe your situation (required if Other is selected)

Select your employment type/source of income *

Please describe (required if Other is selected)

Does anyone else contribute to your household income *

Select the frequency of your income *

Based on the above frequency, what is your household income?*

Based on the above frequency, what are your total living & household expenses* (mortgage / rent, loans, bills, transport, insurance, car, food)? If you selected no income above, calculate your expenses weekly.

How much can you pay regularly towards your Spark account?* You will need to take into account your regular monthly charges and your overdue debt so you can get back on track as soon as possible.

How often can you pay this amount? *

When can you make your first payment? *

Is there any other information you would like to share with us to take into consideration when assessing your application?

Disclosure

Any information that you share in support of your application (as well as Spark’s decision and the reasons for our decision on your application) may be:

Used to assess your request for assistance under Spark’s Hardship Policy and any future hardship applications you may submit.
Used to inform decisions on future applications for Spark products and services for a period of 12 months after the date you applied for hardship or 12 months after the end date of your hardship arrangement, whichever is the latest.
Aggregated with similar data from other applications to develop predictive models and to report internally and externally on usage of the hardship policy (no identifying information will be included in any reports).
Used to inform any future credit decisions and debt collection activity on your account.

Any information and documentation that you provide will be securely stored for up of 12 months after the date you applied for hardship or 12 months after the end date of your hardship arrangement, whichever is the latest and will only be accessible by Spark's credit team.

In completing the hardship application, you acknowledge and agree that:

In assessing your situation, we may obtain credit checks on you from our NZ credit bureau partners.
We may occasionally need to request additional information from other parties, such as your current/previous employer or Government agencies but we will seek your specific consent prior to doing so.
If you qualify for hardship, this hardship status will be reported to our credit bureau partners as part of Comprehensive Credit Reporting and they may share this information with other credit providers. This may impact your credit bureau score and your ability to obtain products and services from Spark and/or other credit providers in the future.
If we agree to you paying any outstanding debt in instalments, Spark will not commence collections activity as long as you keep to the agreed instalments. However, your account will still be overdue, and the overdue payment status will still be reported to the credit bureaus as part of Comprehensive Credit Reporting.
Should you not meet some or all of your payment obligations to Spark under your hardship arrangement, we may refer the debt to a collection agency and we will also disclose the reason and outcome of your assessment to this agency.

I confirm that I am the Spark account holder or have Power of Attorney for the account numbers provided above

I confirm that I have read and agree to the disclosure