Hi I have an up to date loan with my credit union. Never missed repayments. Giving my current circumstances i want to reduce repayments from 600e to 300e a month. The credit union have agreed but want me to enter a temporary arrangement for 12 wks, where arrears will increase, they will then reschedule. I have asked why they cant reschedule straight away and they advised its policy. Can i push to skip the temporary arrangement and will my credit rating be affected?