It's stressful times and my tenant via my PM is threatening to take me to Fair Trading and NCAT. I am hoping to get a bit more clarity about the new tenancy legislation and how the Fair Trading and NCAT dispute resolution process works. Tenant has asked for a rent reduction after being stood down, his wife doesn't work and he is the sole income earner. They requested a 40% rental reduction, however my partner has also been stood down and working about 25% of his normal hours and I myself run a small business and business has been impacted by COVID-19, also getting job keeper for my business. The rent I normally collect only just covers the interest on the mortgage for this property (I pay P&I on the mortgage). I have spoken to my bank and yes I can get a mortgage freeze but interest is still calculated for the 6 months, based on my own financial circumstances and the interest payable I have advised my tenant I can only give them a reduction of 20% which is deferred as I also don't pay land taxes so no benefit there, and I also need to pay rent at my own home. The tenant got back to my PM and has demanded I share documents that show my financial situation, that I am dependant on their rent to pay the mortgage and provide evidence that I have spoken to the bank about mortgage relief and unless I do so, they will take me to Fair Trading... I have read the rules over and over again and there's nothing that says I MUST reduce their rent and I am genuinely going to struggle myself if I have to give them a 40% reduction that I can't recover - especially with the uncertainty of my own business. So if they do take me to Fair Trading and NCAT are they able to force me to give them a rent reduction or is it only a mediation process? If I give them a deferral of 40% of their rent what if they don't pay me back? What can I do then?