If you are unable reasonably to keep up your payments or other obligations because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to apply to the creditor for a hardship variation.
To apply for a hardship variation, you need to:
make an application in writing; and
explain your reason(s) for the application; and
request a postponement of the dates on which payments are due under the contract (specify the period for which you want this to apply); and
give the application to the creditor
Do this as soon as possible. If you leave it for too long, the creditor may not have to consider your application.