Hardship Policy & Payment Plans
Contact us if you are experiencing financial hardship
Cooler weather ahead - time to pop on a jumper
Hardship Policy & Payment Plans
Contact us if you are experiencing financial hardship
GloBird Energy understands that electricity is an essential service and that some of our residential customers may on occasion fall into financial hardship. When this occurs, we prefer to work with those customers on an individual basis to see how we can assist them to find ways to repay and manage their electricity bills. Disconnection is seen as a last resort that should be avoided where at all possible. This approach underpins this hardship policy, which entered into force on 1st of April 2015 and is designed to help our residential customers experiencing hardship to access equitable hardship programs, such as flexible payment plans, designed to meet their individual needs and ensure disconnection is avoided.
A successful outcome from a hardship program is only possible when both the customer and retailer work together in good faith. It is a team effort where both parties work toward a fair and reasonable outcome. If our customer is experiencing hardship we ask that they, or their accredited financial counsellor, contact us as soon as they identify the problem so we can stop any debt recovery action, waive any late payment fees that might be applied to their account, and determine the most appropriate hardship program for them.
Our contact details are:
Business Hours 9am – 5pm Mon – Fri
All of our staff are made aware of this hardship policy as part of standard induction training and can put you in contact with a trained member of our debt management team.
Consistently with Victoria’s Electricity Retail Code, we define hardship as being when a residential customer with the intention of paying their electricity bills when due does not have the financial capacity to do so. There can be many causes of financial hardship, for example, loss of employment, injury, disability, unexpected one-off expenses or an unusual and unforeseen change in a person’s circumstances.
We encourage residential customers who have fallen into financial hardship, or think they might be at risk of hardship, to self-identify by calling our general enquiries line and asking to speak to a member of our debt management team. Alternatively, a residential customer experiencing hardship can have his or her accredited financial Counsellor notify us of the hardship situation. Our team are friendly, courteous, and professional and will work with you to assess how best we can help.
We also monitor accounts and look for early indicators that can help us identify a customer who may be experiencing financial hardship. Some of the things that indicate to us that there might be hardship are:
As soon as possible after you are identified as a hardship customer, we will inform you of our hardship policy and your options under it.
To be eligible under this hardship policy to enter a hardship program you must meet the following criteria, which we use to ensure all hardship customers are treated equitably and consistently:
The debt management team will assess each your circumstances on a case by case basis, to determine whether hardship exists and if you are eligible for a hardship program under this hardship policy.
Where you are found to be experiencing hardship and eligible under this hardship policy, a member of the debt management team will contact you by phone to discuss a suitable hardship program. They will explain the range of program options available to you, and will waive any late payment fee applied on your account. We will not charge late payment fees or security deposits, and will not disconnect your service or undertake debt recovery action, while you are participating in a hardship program.
As soon as hardship is confirmed and you have accepted a hardship program, a letter confirming your acceptance into the hardship program will be sent to you. The letter will explain all aspects of the program, contain a copy of this hardship policy and set out the details of your current arrears, estimated monthly usage, current payment plan and estimated length of the hardship program.
An account manager will be assigned to your account. Your account manager will be responsible for ensuring that your account is managed in accordance with your hardship program, this hardship policy and your rights under your electricity retail agreement. You can ask your account manager for information about these rights. Your account manager will also review your hardship program on a regular basis, to ensure it is still suitable for you and your circumstances.
We ask that you keep in contact with your account manager and keep us informed of your situation and inform us of any relevant changes to your circumstances so we can best manage the process, and review your hardship program if you or we think it might need to change.
If you do not meet the eligibility criteria listed above, we may deny you entry to a hardship program in which case we will notify you over the phone or in writing of the reasons for our decision. If this happens, you can request an internal review of the decision. The review will be made by the head of the debt management team and you will receive an answer within 10 business days.
We may also deny you access to a hardship program if we determine that you have not shown a genuine willingness to pay. When making this judgment we take into consideration the history of your account (e.g., whether you have made an up-front part payment of a bill in order to reduce your outstanding payment obligations), whether you have sought financial counselling or other assistance, whether you have contacted us to let us know as soon as possible when you will not be able to pay, any previous payment plans on your account, and if a prior payment plan offer was rejected by you. If we initially deny you access for this reason, we will give you an opportunity to demonstrate your willingness to pay, and if you can demonstrate this then we may reverse our decision.
A hardship program may take the form of a flexible payment plan.
Your account manager will discuss with you the estimated usage on your account, the amount outstanding, and your particular circumstances relating to your income, financial commitments and future electricity needs and any concessions, rebates or Government support available to you. Using this information we will suggest an appropriate payment plan, if we think this is the best type of hardship program for you. The tariff and length of the payment plan will depend on the nature of the hardship, the level of debt and your capacity to pay.
When considering your capacity to pay we will review:
If you are entitled to receive payments from Centrelink and would like to enter into a Centrepay arrangement, we will make this facility available to you. Centrepay is a voluntary bill paying service, which is easy to use. Instead of having large bills every quarter, your bills are paid in manageable amounts from your Centrelink payment. This can smooth the pay cycle and make it easier for you to budget. To be eligible, you must be receiving Centrelink a payment.
Once a payment plan has been agreed to, we will send you a letter confirming details of the plan including, the tariff, the period of the plan, the number of installments, the date when the first payment is due, a schedule of payments, the amounts of each payment, when any amounts in arrears will be paid off under the plan and confirmation of your right to cancel or amend the arrangement upon request.
You can contact us if you wish to discuss increasing or decreasing your scheduled payments at any stage. The team will ensure that your payments are matched to your particular circumstances and to the level of arrears on the account. The team may also vary payment plans to accommodate the relevant circumstances.
The best way of managing your electricity bill is by making sure your electricity use is as efficient as possible.
We can offer general advice about energy efficiency, and can undertake telephone energy audits for hardship customers to assist in identifying ways to reduce electricity usage. If appropriate (normally where a customer has been experiencing hardship for a relatively long time and has accumulated a relatively high level of debt), we may also send a representative to your premises to conduct an energy efficiency field audit to identify further opportunities to reduce electricity use.
All energy efficiency measures which reduce your electricity consumption will also reduce your electricity bills. We will share equally the cost of any field audit with you, and let you know how long it is likely to take for the cost savings from the audit to cover your share of its cost. We will also give you an indicative estimate of the ongoing savings that may be achieved by the energy efficiency measures identified in the audit.
You can ask your account manager for more information about energy audits, the savings they can achieve and how these savings can offset audit costs.
Energy efficient appliances
You may be able to improve your energy efficiency and reduce your electricity use by replacing any old, inefficient appliances you use with new, more efficient appliances.
Where appropriate, as part of your hardship program we will provide you with information about energy efficient appliances that might help you manage and reduce your electricity consumption, and where you can purchase these appliances. We may also offer to assist you to obtain finance or access concessions or other support, such as Government grants, that may be available to help you purchase such appliances, if we think that this is the best way for you to manage your electricity bills.
You can ask your account manager for more information about this.
As part of our assessment of the options available to you if you are experiencing hardship, we will consider whether any assistance may be available to you from other sources, e.g., Government funding or concessions, counselling, the utility relief grant, or other support or assistance. If we determine that your circumstances would be best managed through assistance from another source rather than through a hardship program, wherever possible we will help you to access that assistance.
We reserve the right to cancel your hardship program if you fail to make regular payments without contacting us first, or otherwise breach any of the conditions of the hardship program. You must remain in contact with us and notify us of any relevant change in your circumstances. If you fail to meet the terms of your hardship program, we will attempt to contact you by phone and letter, and if you do not respond to two phone calls and two letters requesting contact within 10 business days, you will be removed from the hardship program and your account will revert back to the normal billing cycle. A letter confirming this will be sent to you explaining the reason for your removal from your hardship program.
You can terminate participation in a hardship program at any time by contacting us or by paying off the outstanding amount owed on your account. Otherwise, you will automatically exit the hardship program once the program is complete. You can enter another hardship program at any time after that, provided you are eligible to do so under this hardship policy.
If you have any concerns or wish to raise a complaint about access to or participation in a hardship program, you should first contact us. We will provide a written response to your complaint within a reasonable time, generally within 10 business days from hearing from you.
If you are not satisfied with our attempt to resolve your issue you can register an official complaint. We will respond to your concerns in a timely manner and in accordance with our complaints resolution policy. A full copy of our complaints resolutions policy is available for download on our website: www.globirdenergy.com.au. You can contact us using the information given above if you would like to request a free copy of our complaints resolution policy.
We hope that any issue you raise will be fixed by our customer service staff, or by escalating the issue to a senior manager. However, if we fail to provide you with a satisfactory outcome, you can refer the complaint to the Energy and Water Ombudsman. The Ombudsman’s contact details are:
If your first language is not English, interpreter services can be arranged if necessary.
This hardship policy will be reviewed on a regular basis to assess its performance, including against any hardship indicators published by the Essential Services Commission from to time, and to ensure it complies with the relevant laws and statutes. A copy of the policy is available for download on our website (www.globirdenergy.com.au), and we are happy to provide copies free of charge to any customer, or accredited financial Counsellor of a customer, on request.
If any term of a residential customer’s electricity retail agreement is inconsistent with this hardship policy, then under section 43(4) of the Electricity Industry Act 2000 (Vic) that term of the agreement is void.
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PO BOX 398 Ringwood VIC 3134
1300 456 247
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