Sydney, 1 September 2021 – Communications Alliance welcomed today’s TIO report showing a 41% decrease in complaints about financial hardship over the past three years.


John Stanton, CEO Communications Alliance said “This is a timely reminder for all of us to ask for assistance if needed. Please contact your provider about a financial hardship arrangement if you are having any challenges with paying your bills, and they will work with you.”

Per the TIO’s report, Stanton also reminded customers “when you come to an agreement, ask for that information in writing.”

The ACMA-enforced Telecommunications Consumer Protections (TCP) Code sets obligations on all telcos about Financial Hardship arrangements, including that customers must be told they can ask for arrangement information in writing, and if they confirm they would like that, their telco must give them that information.

Mr Stanton continued, “Telcos have worked hard to improve their financial hardship assistance, as witnessed by the decrease in complaint rates over the last 3 years. However, we can still do better. Customers should be able to easily access assistance that works for them. Telcos have important obligations under the TCP Code to offer fair and timely financial hardship assistance, and we encourage all telcos to ensure they are providing easy access to help. Communications Alliance welcomes the improvements made by telcos based on the TIO’s recommendations. ”

Communications Alliance supports the TIO’s key kips for consumers:

  • Tell your provider early that you may need assistance
  • Ask your provider to send you information about hardship
  • Explain what you can afford and why
  • Be realistic about what you can and cannot afford
  • When things change, tell your provider
  • Ask if your provider has staff who specifically deal with financial hardship
  • Request your financial hardship arrangement in writing

Mr Stanton concluded “Financial Hardship assistance is important to get right. There are extensive rules in the TCP Code and the industry regulator, the ACMA, reports annually on this topic. While we welcome the TIO’s insights, we would like to see more coordination between the TIO and the ACMA on this and other topics, to ensure resources are being used efficiently and avoid duplication. Consistency between the ACMA and the TIO is also important to provide a clear set of standards and processes for customers.”

Chapter 7 of the regulator-enforced Telecommunications Consumer Protections (TCP) Code is dedicated to financial hardship assistance.

Among other requirements, Retail Service Providers (RSPs) must offer a minimum of three of the below options to help keep residential and small business customers connected:

Spend controls;

  • Restriction of service, in respect of overall or specific services;
  • Transferring the Customer to a Pre-Paid Service;
  • Transferring the Customer to a contract which includes hard caps or Shaping; or
  • Low cost interim options until the Customer can continue with original payments.

and a minimum of three of the below options for suitable financial arrangements:

  • Temporarily postponing or deferring payments (for a longer period than would typically be offered to Customers requesting an extension outside of Financial Hardship arrangements);
  • Agreeing on an alternative arrangement, plan, or contract, including discussing Pre-Paid Services;
  • Discounting or waiving of debt;
  • Waiving late payment fees;
  • Waiving cancellation fees; or
  • Incentives for making payments, for example payment matching.

Applications for assistance must be assessed in a fair and timely manner.

Many providers also offer a simple option for a customer to ‘pause’ their payment for a month, and Chapter 6 of the TCP Code also contains strict rules on how and when a provider can suspend a customer’s service.

Communications Alliance is the primary telecommunications industry body in Australia. Its membership is drawn from a wide cross-section of the  communications industry, including carriers, carriage and internet  service providers, content providers, search engines, equipment vendors, IT companies, consultants and business groups.

Its vision is to  provide a unified voice for the telecommunications industry and to lead  it into the next generation of converging networks, technologies and  services. The prime mission of Communications Alliance is to promote the growth of the Australian communications industry and the protection of  consumer interests by fostering the highest standards of business ethics and behaviour through industry self-governance. For more details about Communications Alliance, see

Media information contact:
Nick Owens
0421 977 062