1300 784 999


Payment Help

You may have received a letter, a text message or a phone call from NCML. This is because a company to whom you allegedly owe money has engaged us to act on their behalf and collect the outstanding balance.

It's in all of our interests to resolve this situation as soon as possible. Whether you disagree with the correspondence, are unable to pay the full balance immediately, or think we have contacted you in error, please call us as soon as possible on the number provided on the communication you've received from NCML.

If you can't pay, it's essential that you discuss your position with us straight away so that we can consider a longer-term resolution with you.

We're here to help you resolve your financial issues, but we cannot do so unless you talk to us. Ignoring our correspondence may eventually lead to further action, causing a snowball effect from something that could be easy to resolve now.

Please find below some forms that might be useful while you liaise with NCML:


Before contacting us, you may want to refer to some of these frequently asked questions.

Frequently Asked Questions

  • When and how can I contact you?

    NCML is open Monday to Friday, from 8.00am to 5.00pm. The best way to reach us is by calling the dedicated phone number provided in the correspondence you've received. If you don't have that, please call 1300 784 999 or send a message via this website's Contact Us page.

  • How do I pay?

    Please call us on the number provided on the communication received, and we will discuss possible payment options.

  • I want to pay but can't afford to pay in full. What should I do?

    Please call the number provided and a member of our team will review your account details to suggest a suitable repayment plan that is realistic, affordable and reflects your current financial circumstances. You may be requested to complete an Income and Expenditure Assessment (see above link to "Statement of Position" form) to enable us to understand your capacity to meet any proposed payment arrangement.

  • I am experiencing financial hardship and cannot see how I can repay my debt. What should I do?

    It is important to contact us as soon as possible so that we can understand your situation and come to a suitable arrangement. It is in everyone's interests to resolve any outstanding issues as quickly as possible in a manner that is fair and reasonable to all parties. Our operators are skilled listeners and will work with you to assess your current situation and provide the best available options to meet your obligations. You may be asked to complete an Income and Expenditure Assessment to assist us with our assessment.

  • What happens if I ignore your letters?

    Ignoring our letters could lead to further action to recover the outstanding amount. It's important you make contact with us so we can work with you and help you find a solution to bring your account up to date. If you do not owe the money, you need to tell us as soon as possible.

  • Who is National Credit Management Limited?

    National Credit Management Limited (or NCML) is one of Australia's leading debt collection agencies, established in 1990 and a wholly owned subsidiary of Credit Corp Group Limited (ASX: CCP). We work with customers to help them clear their debts in the best way possible, usually via a tailored repayment plan that takes into account their current financial circumstances.

  • Will this debt affect my credit rating?

    Any debt that remains unpaid will probably make it difficult to get more credit. Depending on how long the account has been in arrears, it's possible that the original creditor will have registered a default on your credit file. NCML will be pleased to discuss repayment of your debt as a step towards repairing your credit history.

  • What is a credit reference agency?

    A credit reference agency is a company that collects information from various sources, including banks and lenders. It provides consumer credit information on individuals in order to assess their credit worthiness, their history of repaying debts, their whereabouts and whether any Court Judgments have been issued for debt owed. It also registers data whether the customer is in default of their repayment obligations for a debt or whether they have been made bankrupt.

  • What does a default on my credit record mean?

    If you fail to make the required repayments on your debt, then a default may be registered on your credit record. This could make it difficult to obtain credit in the future. It may also make your other borrowings more expensive if you are believed to be a credit risk.

  • How can I repair my credit file in relation to this account?

    If you're making payments towards an outstanding debt, we will update the credit reference agencies accordingly to ensure your file reflects this. Once your outstanding balance is cleared, the account in question will be revised as satisfied or partially satisfied depending on how you settled the debt.



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