Affidavit supporting the application to the court - Legal Aid Queensland

42Affidavit supporting the application to the court cont’d6. We made all loan repayments on time since the loan wasdrawn down until last month with the exception of onepayment which was made seven days late in June 2007.7. The reason for the only late repayment last year wasthat we were on vacation and forgot to arrange forsufficient funds to meet the repayment to be placed inour savings account in time for the direct debit of theaccount for the loan repayment. As soon as we hadnoticed our error we rang the respondent’s office andecplained our mistake to the operator.8. Last month we were unable to pay the full payment. Weare now in arrears $700 which is $200 from last monthand $500 this month.9. The reason we cannot pay our loan right now is thatwe are experiencing temporary financial hardship. Ihave had an overtime ban at my workplace and my wifeJeanine Ferris recently reduced her hours of work tocare for her sick mother.10. I am a permanent part-time builder’s labourer employedby Ross and Co Builders, Samsonvale. Overtime usuallyaccounts for an extra $400 per fortnight in my income.I expect to resume working overtime in the first weekof July 2008 after the overtime ban is lifted on 1 July2008.Sample11. Jeanine Ferris is employed as a teacher’s aide at MtJackson primary school for 30 hours per week on aregular but casual basis. Over the last two months,Jeanine has reduced her hours to 10 hours per weekto care for her mother. Her mother died on 15 May2008. Jeanine has now resumed her usual hours ofemployment.12. On 6 June 2008, we wrote to the respondent explainingour temporary hardship and asking to reduce ourpayments to $300 for three months until August 2008.Then we will increase them to $650 per month until weSigned: Louis FerrisPage 2Taken by: (person taking the affidavit signs here)Legal Aid Queensland