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What is voluntary surrendering goods

If you're struggling to make your repayments and no longer want or need the goods, you're not alone. Many people in your position feel stuck and unsure what to do next. Voluntary surrender of the secured goods is often a kind, straightforward way to ease the pressure and start moving forward.

Why Voluntary Surrender Can Help You

We know things can feel really tough right now, but it is worthwhile considering your options.

  • It gives you back some control - Handing the goods back to us voluntarily means you can stop worrying about missed payments, extra fees building up, or the stress of a forced repossession. It’s a proactive choice that shows you’re trying to sort things out responsibly.
  • Remember, the goods are still secured - Under your loan contract, we hold security over the equipment until the loan is fully paid. Returning them now simply hands back something that was never fully yours to begin with.
  • It helps reduce what you owe - Once you surrender the goods, we can sell them in a fair way. The money from the sale goes straight towards your loan balance. This often lowers the total amount you owe faster than trying to keep up with payments you’re struggling to make.
  • It usually saves you money overall - Voluntary surrender means lower costs for everyone – no expensive forced collection or legal steps to recover the goods we financed. Those savings help keep your final balance smaller.
  • We will organise collection – you don’t have to - We will arrange for the goods to be collected and returned to us. All you need to do is securely pack them for safe transit. This removes a big burden from you during a difficult time.
  • We can work with you on the rest - After the sale, if anything is still owing, we’re here to help. We can talk about a simple, realistic payment plan that fits your current situation. Our aim is to make it manageable so you can move on without ongoing worry.
Taking this step can offer real relief and help gain a clearer perspective. Many people who seek help early regain a sense of control. We are ready to support you through this process.

What to do next

To make the process as easy as possible for you, complete the online voluntary surrender form located HERE

Once submitted, our team will contact you promptly to discuss:

  • Voluntary surrender arrangements (we will organise the collection of the goods — you only need to pack them securely for transit)

  • A realistic payment plan for any remaining balance after the sale

  • Hardship options (if required) under the National Credit Code

You can also call us directly on 1300 290 240 if you prefer to speak with a team member.

Financial counselling

We understand that managing loan repayments can become overwhelming, especially when life throws unexpected challenges your way. If you are finding it hard to keep up with payments on your Breeze Capital Goods and Service Loan, or you are thinking about voluntary surrender of the secured goods, free financial counselling is one of the best steps you can take right now. It is confidential, independent, and designed to help people exactly like you.

  • They provide free, impartial advice tailored to your full financial picture (not just this loan).
  • They can help you explore options such as hardship variations, budgeting, debt consolidation, or the best way forward with voluntary surrender.
  • They can negotiate with other creditors or us on your behalf.
  • They assist with understanding your rights under the National Credit Code.

To find out more about financial counselling options, go HERE

Remember: Financial counselling is free and confidential. Early action often leads to better outcomes. You have rights under the National Credit Code, including hardship assistance. We encourage you to use these supports.