---
title: "Diarise and acknowledge a borrower's hardship notice"
url: "https://ailawframework.com/practice/banking-and-finance/diarise-and-acknowledge-a-borrower-s-hardship-notice"
type: "task"
site: "AI Law Framework"
id: "A3-T20261018-38"
practice_area: "Banking & Finance (Lending, Securities, Project Finance)"
tier: "green"
lawyer_review: "required"
last_reviewed: "2026-10-22"
---

# Diarise and acknowledge a borrower's hardship notice

> From the borrower's call note, email or letter, record the date the hardship notice was received, generate the acknowledgement and any request for information from the lender's approved templates, and calculate the…

Canonical page: https://ailawframework.com/practice/banking-and-finance/diarise-and-acknowledge-a-borrower-s-hardship-notice  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Banking & Finance (Lending, Securities, Project Finance)](https://ailawframework.com/practice/banking-and-finance.md) |
| Human involvement | Green: AI drafts, lawyer checks |
| How AI is used | From the borrower's call note, email or letter, record the date the hardship notice was received, generate the acknowledgement and any request for information from the lender's approved templates, and calculate the response deadline under the statutory table depending on whether information is requested and received. |
| What the lawyer must review | Approve the templates and the deadline rules once at setup, then confirm for each notice that it is a hardship notice under a regulated contract and that the credit provider's decision on any variation is made and given before the deadline. |
| Written for / versions | 1 jurisdiction versions below |

## Checking plan

**Lawyer review required**

The responsible lawyer reviews the work against the instructions, sources and intended use.

- What the AI does: From the borrower's call note, email or letter, record the date the hardship notice was received, generate the acknowledgement and any request for information from the lender's approved templates, and calculate the response deadline under the statutory table depending on whether information is requested and received.
- What the lawyer does: Approve the templates and the deadline rules once at setup, then confirm for each notice that it is a hardship notice under a regulated contract and that the credit provider's decision on any variation is made and given before the deadline.
- Who reviews: Responsible lawyer with competence in the matter
- Basis: Practical workflow informed by the linked primary sources; the traffic light and working checks are editorial guidance, not a court classification.
- Why: The level reflects what the work is, the consequence of an error, and how much of the output the lawyer must independently re-derive.

## Checks the lawyer makes

1. Confirm the instructions, the jurisdiction and the complete relevant material before starting.
2. Confirm at setup that the deadline table matches s 72 of the National Credit Code: 21 days if no information is required, 28 days after the stated date if requested information is not received, and 21 days after receiving it if it is.
3. Confirm the date of receipt, including notices given orally.
4. Confirm the response, if a variation is refused, includes the information the law and the lender's dispute resolution process require.
5. Check the output against the source documents named in it before it is relied on.

## Notes

- These are suggested working checks. Confirm the required checking with the responsible lawyer before work starts; the checking approach does not establish permission to use AI.

## Sources

- [National Consumer Credit Protection Act 2009 (Cth) Sch 1, National Credit Code](https://classic.austlii.edu.au/au/legis/cth/consol_act/nccpa2009377/sch1.html) (checked 2026-10-18)
- [ASIC: FAQs on dealing with consumers and credit](https://www.asic.gov.au/regulatory-resources/credit/credit-notices-and-offences/faqs-dealing-with-consumers-and-credit) (checked 2026-10-18)

## Forms and precedents for this task

| Form or precedent | Kind | AI level | Summary |
| --- | --- | --- | --- |
| [Financial difficulty working record](https://ailawframework.com/precedents/banking-and-finance/financial-difficulty-working-record.md) | Form | Yellow | Working record of a customer's approach under the 2025 Banking Code of Practice, and of the dates the bank must watch. It does not decide what help is offered. |
| [Financial difficulty decision note](https://ailawframework.com/precedents/banking-and-finance/financial-difficulty-decision-note.md) | Notice | Red | Note the bank gives in writing under paragraphs 184 and 185 of the 2025 Banking Code. The officer writes the decision and the reasons. The tool does not. |

Signed-in accounts can read the full text of each one.

## Jurisdiction versions

| Jurisdiction | Level |
| --- | --- |
| [United States](https://ailawframework.com/practice/banking-and-finance/diarise-and-acknowledge-a-borrower-s-hardship-notice/united-states.md) | Green |

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*