Take your time. I'll ask follow-ups when I need to.
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What I've heard so far
Westpac took $740 in default fees over four months. I told them in March I'd lost shifts and asked for a hardship variation. They said I had to fill out an online form and never got back to me.
Got it — that's a hardship request that wasn't actioned. Quick question: did Westpac ever send you a written response within 21 days?
Listening… I'll respond when you pause