{"id":28222,"date":"2020-03-22T06:12:28","date_gmt":"2020-03-21T19:12:28","guid":{"rendered":"https:\/\/www.dnister.com.au\/?page_id=28222"},"modified":"2026-04-01T14:58:29","modified_gmt":"2026-04-01T03:58:29","slug":"hardship","status":"publish","type":"page","link":"https:\/\/www.dnister.com.au\/uk\/hardship\/","title":{"rendered":"Hardship"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-overflow:visible;--awb-background-image:linear-gradient(180deg, #f6fbe9 0%,#f6fbe9 100%);--awb-flex-wrap:wrap;\" ><\/div><div class=\"fusion-builder-row fusion-row\"><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-column-no-min-height\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;width:100%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\">\n<div class=\"fusion-slider-revolution rev_slider_wrapper\">\t\t\t<!-- START Hardship REVOLUTION SLIDER 6.7.41 --><p class=\"rs-p-wp-fix\"><\/p>\n\t\t\t<rs-module-wrap id=\"rev_slider_84_1_wrapper\" data-source=\"gallery\" style=\"visibility:hidden;background:#E9E9E9;padding:0;margin:0px auto;margin-top:0;margin-bottom:0;\">\n\t\t\t\t<rs-module id=\"rev_slider_84_1\" style=\"\" data-version=\"6.7.41\">\n\t\t\t\t\t<rs-slides style=\"overflow: hidden; position: absolute;\">\n\t\t\t\t\t\t<rs-slide style=\"position: absolute;\" data-key=\"rs-432\" data-title=\"Slide\" data-duration=\"12000\" data-anim=\"ms:980;r:0;\" data-in=\"o:0;\" data-out=\"a:false;\" id=\"isaver-special-is-back\">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"\/\/www.dnister.com.au\/wp-content\/plugins\/revslider\/sr6\/assets\/assets\/dummy.png\" alt=\"\" title=\"0320-Hardship-homepage-slider1700x4002\" width=\"1700\" height=\"400\" class=\"rev-slidebg tp-rs-img rs-lazyload\" data-lazyload=\"\/\/www.dnister.com.au\/wp-content\/uploads\/2020\/03\/0320-Hardship-homepage-slider1700x4002.png\" data-no-retina>\n<!--\n\t\t\t\t\t\t\t--><rs-layer\n\t\t\t\t\t\t\t\tid=\"slider-84-slide-432-layer-5\" \n\t\t\t\t\t\t\t\tdata-type=\"image\"\n\t\t\t\t\t\t\t\tdata-rsp_ch=\"on\"\n\t\t\t\t\t\t\t\tdata-xy=\"x:584px;y:131px;\"\n\t\t\t\t\t\t\t\tdata-text=\"w:normal;\"\n\t\t\t\t\t\t\t\tdata-dim=\"w:541px;h:97px;\"\n\t\t\t\t\t\t\t\tdata-frame_1=\"st:1530;sp:1120;sR:1530;\"\n\t\t\t\t\t\t\t\tdata-frame_999=\"o:0;st:w;sR:9350;\"\n\t\t\t\t\t\t\t\tstyle=\"z-index:9;\"\n\t\t\t\t\t\t\t><img decoding=\"async\" src=\"\/\/www.dnister.com.au\/wp-content\/plugins\/revslider\/sr6\/assets\/assets\/dummy.png\" alt=\"\" class=\"tp-rs-img rs-lazyload\" width=\"541\" height=\"97\" data-lazyload=\"\/\/www.dnister.com.au\/wp-content\/uploads\/2020\/03\/0320-Hardship-homepage-slider3.png\" data-no-retina> \n\t\t\t\t\t\t\t<\/rs-layer><!--\n\n\t\t\t\t\t\t\t--><rs-layer\n\t\t\t\t\t\t\t\tid=\"slider-84-slide-432-layer-9\" \n\t\t\t\t\t\t\t\tdata-type=\"image\"\n\t\t\t\t\t\t\t\tdata-rsp_ch=\"on\"\n\t\t\t\t\t\t\t\tdata-xy=\"x:513px;y:34px;\"\n\t\t\t\t\t\t\t\tdata-text=\"w:normal;\"\n\t\t\t\t\t\t\t\tdata-dim=\"w:541px;h:97px;\"\n\t\t\t\t\t\t\t\tdata-frame_1=\"st:630;sp:1120;sR:630;\"\n\t\t\t\t\t\t\t\tdata-frame_999=\"o:0;st:w;sR:10250;\"\n\t\t\t\t\t\t\t\tstyle=\"z-index:8;\"\n\t\t\t\t\t\t\t><img decoding=\"async\" src=\"\/\/www.dnister.com.au\/wp-content\/plugins\/revslider\/sr6\/assets\/assets\/dummy.png\" alt=\"\" class=\"tp-rs-img rs-lazyload\" width=\"541\" height=\"97\" data-lazyload=\"\/\/www.dnister.com.au\/wp-content\/uploads\/2020\/03\/0320-Hardship-homepage-slider2.png\" data-no-retina> \n\t\t\t\t\t\t\t<\/rs-layer><!--\n-->\t\t\t\t\t<\/rs-slide>\n\t\t\t\t\t<\/rs-slides>\n\t\t\t\t<\/rs-module>\n\t\t\t\t<script>\n\t\t\t\t\tsetREVStartSize({c: 'rev_slider_84_1',rl:[1240,1024,768,480],el:[306],gw:[960],gh:[306],type:'standard',justify:'',layout:'fullwidth',mh:\"0\"});if (window.RS_MODULES!==undefined && window.RS_MODULES.modules!==undefined && window.RS_MODULES.modules[\"revslider841\"]!==undefined) {window.RS_MODULES.modules[\"revslider841\"].once = false;window.revapi84 = undefined;if (window.RS_MODULES.checkMinimal!==undefined) window.RS_MODULES.checkMinimal()}\n\t\t\t\t<\/script>\n\t\t\t<\/rs-module-wrap>\n\t\t\t<!-- END REVOLUTION SLIDER -->\n<\/div>\n<div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"margin-left: auto;margin-right: auto;margin-top:25px;margin-bottom:25px;width:100%;\"><\/div><div class=\"fusion-sep-clear\"><\/div>\n<div class=\"fusion-builder-row fusion-builder-row-inner fusion-row\"><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_2_3 2_3 fusion-two-third fusion-column-first\" style=\"--awb-bg-size:cover;width:65.3333%; margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div>\n<div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-column-no-min-height\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;width:100%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-1 fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">31 October 2022<\/h2><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#f6fbe9;\"><\/div><\/div><\/div>\n<h1><span style=\"color: #91b0ae;\">Getting you Back on Track<\/span><\/h1>\n<p>If you are experiencing hardship due to injury\/ illness, changes in income, separation or events like natural disasters, Dnister has financial assistance solutions for an initial period of up to 3 months to help you get back on track.<\/p>\n<p>Assistance is available to approved applicants in the following ways for a period of time:<div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_2 1_2 fusion-one-half fusion-column-first\" style=\"--awb-bg-size:cover;width:48%; margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><\/p>\n<div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:13px;--awb-icon-alignment:left;--awb-hover-color:#e6e6d2;--awb-border-color:#f6fbe9;--awb-background-color:#f6fbe9;--awb-divider-color:#f6fbe9;--awb-divider-hover-color:#f6fbe9;--awb-icon-color:#0f443d;--awb-title-color:#0f443d;--awb-content-color:#0f443d;--awb-icon-box-color:#e6e6d2;--awb-toggle-hover-accent-color:#5ab5ff;--awb-title-font-family:&quot;DM Sans&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:13px;--awb-content-font-family:&quot;DM Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-28222-1\">\n<div class=\"fusion-panel panel-default panel-8ab933a26cd002f38 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_8ab933a26cd002f38\"><a aria-expanded=\"false\" aria-controls=\"8ab933a26cd002f38\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-28222-1\" data-target=\"#8ab933a26cd002f38\" href=\"#8ab933a26cd002f38\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Deferring or reducing your loan repayments<\/span><\/a><\/h4><\/div><div id=\"8ab933a26cd002f38\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_8ab933a26cd002f38\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<ul style=\"--awb-iconcolor:#493d63;--awb-line-height:23.8px;--awb-icon-width:23.8px;--awb-icon-height:23.8px;--awb-icon-margin:9.8px;--awb-content-margin:33.6px;\" class=\"fusion-checklist fusion-checklist-1 fusion-checklist-default type-icons\">\n<p>Eligible Members may have the option to reduce or defer loan repayments for a period, allowing you to maintain some valuable funds for essential items.<\/p>\n<\/ul><\/div><\/div><\/div>\n<div class=\"fusion-panel panel-default panel-c80c0fb01c62f8977 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_c80c0fb01c62f8977\"><a aria-expanded=\"false\" aria-controls=\"c80c0fb01c62f8977\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-28222-1\" data-target=\"#c80c0fb01c62f8977\" href=\"#c80c0fb01c62f8977\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Interest only arrangements<\/span><\/a><\/h4><\/div><div id=\"c80c0fb01c62f8977\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_c80c0fb01c62f8977\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<ul style=\"--awb-iconcolor:#493d63;--awb-line-height:23.8px;--awb-icon-width:23.8px;--awb-icon-height:23.8px;--awb-icon-margin:9.8px;--awb-content-margin:33.6px;\" class=\"fusion-checklist fusion-checklist-2 fusion-checklist-default type-icons\">\n<p>By converting to interest-only arrangements you will no longer be required to pay the principal amount for a period providing more funds during hardship.<\/p>\n<\/ul><\/div><\/div><\/div>\n<div class=\"fusion-panel panel-default panel-f85eb551bd4649d9c fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_f85eb551bd4649d9c\"><a aria-expanded=\"false\" aria-controls=\"f85eb551bd4649d9c\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-28222-1\" data-target=\"#f85eb551bd4649d9c\" href=\"#f85eb551bd4649d9c\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Waiving of fees and charges<\/span><\/a><\/h4><\/div><div id=\"f85eb551bd4649d9c\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_f85eb551bd4649d9c\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<ul style=\"--awb-iconcolor:#493d63;--awb-line-height:23.8px;--awb-icon-width:23.8px;--awb-icon-height:23.8px;--awb-icon-margin:9.8px;--awb-content-margin:33.6px;\" class=\"fusion-checklist fusion-checklist-3 fusion-checklist-default type-icons\">\n<p>We will endeavor to assist Members on a case to case basis to review their requirements in relation to payment of any fees.<\/p>\n<\/ul><\/div><\/div><\/div>\n<div class=\"fusion-panel panel-default panel-64a02f1eae29e49ea fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_64a02f1eae29e49ea\"><a aria-expanded=\"false\" aria-controls=\"64a02f1eae29e49ea\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-28222-1\" data-target=\"#64a02f1eae29e49ea\" href=\"#64a02f1eae29e49ea\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Special Personal Loan Applications<\/span><\/a><\/h4><\/div><div id=\"64a02f1eae29e49ea\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_64a02f1eae29e49ea\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<ul style=\"--awb-iconcolor:#493d63;--awb-line-height:23.8px;--awb-icon-width:23.8px;--awb-icon-height:23.8px;--awb-icon-margin:9.8px;--awb-content-margin:33.6px;\" class=\"fusion-checklist fusion-checklist-4 fusion-checklist-default type-icons\">\n<p>If Members require additional funds we will be able to provide special personal loans and rates.<\/p>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div>\n<div class=\"fusion-builder-row fusion-builder-row-inner fusion-row\"><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion_builder_column_inner_2_3 2_3 fusion-two-third fusion-column-last\" style=\"--awb-bg-size:cover;width:65.3333%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div>\n<div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-last fusion-column-no-min-height\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;width:100%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-2 fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">How do I apply?<\/h2><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#f6fbe9;\"><\/div><\/div><\/div>\n<p>To get started complete an <strong><a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2020\/03\/0320_Hardship_Request_Form.pdf\">application form<\/a><\/strong> and let our team assess and recommend a payment arrangement or solution that is individual to you.<\/p>\n<p>During your altered payment arrangement, interest continues to apply, but all late payment fees will be waived. The amount you normally pay, may be adjusted temporarily to a lower amount. When reducing this amount, it is important to know that you will need to make up the difference in the future by catching up with these payments over time, or your loan may be extended for a period.<\/p>\n<p>We welcome Members to discuss their personal situation with our team by calling 1800 353 041.<\/p>\n<div class=\"fusion-button-wrapper\"><a class=\"fusion-button button-flat button-medium button-custom fusion-button-default button-1 fusion-button-default-span \" style=\"--button_accent_color:rgba(0,0,0,.5);--button_accent_hover_color:#333333;--button_border_hover_color:#333333;--button_border_width-top:1px;--button_border_width-right:1px;--button_border_width-bottom:1px;--button_border_width-left:1px;--button_gradient_top_color:transparent;--button_gradient_bottom_color:transparent;--button_gradient_top_color_hover:rgba(255, 255, 255, 0.15);--button_gradient_bottom_color_hover:rgba(255, 255, 255, 0.15);\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Apply for Hardship\" aria-label=\"Apply for Hardship\" href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2020\/03\/0320_Hardship_Request_Form.pdf\"><i class=\" fa fa-chevron-right awb-button__icon awb-button__icon--default button-icon-left\" aria-hidden=\"true\"><\/i><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Apply for Hardship<\/span><\/a><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/p>\n<div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_2_3 2_3 fusion-two-third fusion-column-first\" style=\"--awb-bg-size:cover;width:65.3333%; margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\">\n<div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-last fusion-column-no-min-height\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;width:100%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div>\n<div class=\"fusion-builder-row fusion-builder-row-inner fusion-row\"><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-2 fusion_builder_column_inner_2_3 2_3 fusion-two-third fusion-column-first\" style=\"--awb-bg-size:cover;width:65.3333%; margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div>\n<div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-column-no-min-height\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;width:100%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-3 fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Support for Small Businesses<\/h2><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#f6fbe9;\"><\/div><\/div><\/div>\n<p>Dnister has solutions for small businesses, with financial assistance by deferring your loan repayments for an initial period of up to 3 months. There is the option of also providing additional liquidity by obtaining an approved business loan or equity access facility, for businesses that have the capacity to pay and are able to secure additional funds. If your small business needs support please reach out to our team and ask for assistance.<div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_2 1_2 fusion-one-half fusion-column-first\" style=\"--awb-bg-size:cover;width:48%; margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div>\n<p><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/p>\n<p><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-last fusion-column-no-min-height\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;width:100%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-4 fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">A message from our Lending and Member Services Executive<\/h2><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#f6fbe9;\"><\/div><\/div><\/div>\n<p>We are pleased our banking services are back to normal in all our locations Australia wide. So drop into one of our Service Centers or Branches or give us a call to ask for assistance. <div class=\"fusion-clearfix\"><\/div><\/div><\/div><br \/>\n<div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_1_3 1_3 fusion-one-third fusion-column-first\" style=\"--awb-bg-size:cover;width:30.6666%; margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><img decoding=\"async\" class=\"alignleft wp-image-28263 \" src=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2020\/03\/Ivanna-e1666653926997.png\" alt=\"\" width=\"257\" height=\"255\" srcset=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2020\/03\/Ivanna-e1666653926997-12x12.png 12w, https:\/\/www.dnister.com.au\/wp-content\/uploads\/2020\/03\/Ivanna-e1666653926997-66x66.png 66w, https:\/\/www.dnister.com.au\/wp-content\/uploads\/2020\/03\/Ivanna-e1666653926997-150x150.png 150w, https:\/\/www.dnister.com.au\/wp-content\/uploads\/2020\/03\/Ivanna-e1666653926997-200x198.png 200w, https:\/\/www.dnister.com.au\/wp-content\/uploads\/2020\/03\/Ivanna-e1666653926997.png 230w\" sizes=\"(max-width: 257px) 100vw, 257px\" \/><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/p>\n<div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_3 1_3 fusion-one-third\" style=\"--awb-bg-size:cover;width:30.6666%; margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\">\n<h3><em>&#8220;Remember our Call Centre is available from 9am till 5.30pm (AEST) weekdays and Saturdays from 9am till 12pm (AEST) on 1800 353 041 so please reach out to discuss how we can help.&#8221;<\/em><\/h3>\n<div class=\"fusion-button-wrapper\"><a class=\"fusion-button button-flat button-medium button-custom fusion-button-default button-2 fusion-button-default-span \" style=\"--button_accent_color:rgba(0,0,0,.5);--button_accent_hover_color:#333333;--button_border_hover_color:#333333;--button_border_width-top:1px;--button_border_width-right:1px;--button_border_width-bottom:1px;--button_border_width-left:1px;--button_gradient_top_color:transparent;--button_gradient_bottom_color:transparent;--button_gradient_top_color_hover:rgba(255, 255, 255, 0.15);--button_gradient_bottom_color_hover:rgba(255, 255, 255, 0.15);\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Get in touch\" aria-label=\"Get in touch\" href=\"https:\/\/www.dnister.com.au\/contact-us\"><i class=\" fa fa-chevron-right awb-button__icon awb-button__icon--default button-icon-left\" aria-hidden=\"true\"><\/i><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Get in touch<\/span><\/a><\/div>\n<div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-last fusion-column-no-min-height\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;width:100%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div>\n<div class=\"fusion-builder-row fusion-builder-row-inner fusion-row\"><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-3 fusion_builder_column_inner_2_3 2_3 fusion-two-third fusion-column-last\" style=\"--awb-bg-size:cover;width:65.3333%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div>\n<div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-column-no-min-height\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;width:100%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-5 fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Knowing your Rights<\/h2><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#f6fbe9;\"><\/div><\/div><\/div>\n<div class=\"plus-sign\">\n<p>Our team is here to reach out and assist you, and it is important that we collectively resolve any issues, however if you\u2019re not satisfied with the financial assistance, you can escalate the issue through our dispute resolution process. We are here to listen to your feedback and help you work through issues. For details please access our <span class=\"fusion-tooltip tooltip-shortcode\" data-animation=\"\" data-delay=\"0\" data-placement=\"top\" data-title=\"Let us work it out\" title=\"Let us work it out\" data-toggle=\"tooltip\" data-trigger=\"hover\"><strong> <a href=\"https:\/\/www.dnister.com.au\/wp-content\/uploads\/2026\/04\/Dispute-Resolution-Guide-Mar-2026-Rebrand.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Dispute Resolution Guide<\/a><\/strong><\/span>, that also provides all relevant information to raise and issue and internal escalation processes.<\/p>\n<\/div>\n<div class=\"plus-sign\">In the event that your concerns have not be resolved <span class=\"fusion-tooltip tooltip-shortcode\" data-animation=\"\" data-delay=\"0\" data-placement=\"top\" data-title=\"independent body\" title=\"independent body\" data-toggle=\"tooltip\" data-trigger=\"hover\"><strong> <a class=\"external-link button-anchor \" href=\"http:\/\/afca.org.au\/\" target=\"_blank\" rel=\"noopener noreferrer\">Australian Financial Complaints Authority (AFCA<\/a>) <\/strong><\/span>provides a free, fair and independent financial complaint resolution for our Members.<div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div>\n<div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-column-no-min-height\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;width:100%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\">\n<div class=\"fusion-builder-row fusion-builder-row-inner fusion-row\"><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-4 fusion_builder_column_inner_2_3 2_3 fusion-two-third fusion-column-first\" style=\"--awb-bg-size:cover;width:65.3333%; margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div>\n<div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-column-no-min-height\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;width:100%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-title title fusion-title-6 fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\"><\/h2><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#f6fbe9;\"><\/div><\/div><\/div><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; &nbsp;<\/p>","protected":false},"author":12,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-28222","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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