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  • #91
    Re: HSBC combined debt

    Originally posted by Rascaljesse View Post
    Ha, sorry to confuse plan B
    I've got two accounts with marlin,
    One with shoosmith and one now with mc .
    One is a credit card and one is a combined/amalgamated debt (loan and overdraft)
    Any ideas how to go about making a monthly offer that will avoid a charging order?!
    Don't worry, I'm easily confused so spell it out because I've looked at your other four threads and I see no mention of Shoosmiths. So which account has Shoosmiths got ? The credit card or the combined loan/overdraft account? Have you replied to the Shoosmiths' LBA yet?

    I think you're getting ahead of yourself with fears over a charging order. Try not to worry because there's nothing you can do at this time of night. We'll tackle this in the morning. Get some sleep in the meantime.

    Comment

    • #92
      Re: HSBC combined debt

      I got the shoosmith notification last week, Its for the credit card account, guess I just need to make em a reasonable offer,
      Hey, thanks to this site and reading about everybody else's experiences I'm not overly worried, it's nice knowing that we're making decisions through being educated along the way, thanks for your help , g'nite

      Comment

      • #93
        Re: HSBC combined debt

        If your (amalgamated) account has been passed to MC but MC have not yet contacted you, wait until they do..... and we'll take things from there.

        If the Shoosmiths's account is enforceable, then you should begin making payments to them but don't let them intimidate you into paying more than you can afford; property owner or not. The easiest way to start this off is to send a cheque....
        Remember the mantra:
        NEVER communicate by 'phone.
        Send EVERYTHING by Recorded/Special Delivery
        Keep a copy of EVERYTHING sent
        Keep hold of EVERYTHING received
        PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment

        • #94
          Re: HSBC combined debt

          Cheers P1, .....was thinking of sending them a letter saying I'd like to pay and asking how to go about it, I was going to ask for an income/expenditure form, I did an online one and to be honest it was laughable how little i have left over each month! I guess it's just knowing how much to offer to keep myself out of court that's the tricky bit
          Thanks for your help

          Comment

          • #95
            Re: HSBC combined debt

            Originally posted by Rascaljesse View Post
            Cheers P1, .....was thinking of sending them a letter saying I'd like to pay and asking how to go about it, I was going to ask for an income/expenditure form, I did an online one and to be honest it was laughable how little i have left over each month! I guess it's just knowing how much to offer to keep myself out of court that's the tricky bit
            Thanks for your help
            I wouldn't be asking them anything. if your payment is too low, they will soon tell you and we can go from there. How much is the debt and how much can you realistically afford?
            Remember the mantra:
            NEVER communicate by 'phone.
            Send EVERYTHING by Recorded/Special Delivery
            Keep a copy of EVERYTHING sent
            Keep hold of EVERYTHING received
            PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment

            • #96
              Re: HSBC combined debt

              Debt is 4k and I was going to try to stretch to £100 a month,

              Comment

              • #97
                Re: HSBC combined debt

                Template & I&E here (login THEN come here and click this link) -> http://www.all-about-debt.co.uk/inde...-monthly-offer

                offer around £50pm to start. Pointless going in too high. Then save whatever you can till you get a few hundred and we can try and settle it early that way hence don't offer £100!
                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                Comment

                • #98
                  Re: HSBC combined debt

                  I'm "not authorised to view" that "resource" Nid , do I need to register again?
                  Sorry

                  Comment

                  • #99
                    Re: HSBC combined debt

                    I'd be inclined to offer £20-£25.....

                    Actually, I'd be inclined to start at £10....
                    Remember the mantra:
                    NEVER communicate by 'phone.
                    Send EVERYTHING by Recorded/Special Delivery
                    Keep a copy of EVERYTHING sent
                    Keep hold of EVERYTHING received
                    PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                    Comment

                    • #100
                      Re: HSBC combined debt

                      Ha, to be honest, I'd love to tell em what they would actually get if they took me to court, ...... but I really don't fancy a charge on my property or a SD, so I'm going to have to play ball ....a bit!!!

                      Comment

                      • #101
                        Re: HSBC combined debt

                        Originally posted by Rascaljesse View Post
                        Ha, to be honest, I'd love to tell em what they would actually get if they took me to court, ...... but I really don't fancy a charge on my property or a SD, so I'm going to have to play ball ....a bit!!!
                        Well, you are.... just on your terms and not theirs. I used the wrong word in my last post.... "offer" is not what I would include in any correspondence. It should be more along the lines of "please find enclosed my cheque for £XX; representing the first monthly instalment re. your account ref. xxxxx" The likelihood of them taking you to court on the back of regular monthly payments is v small.
                        Remember the mantra:
                        NEVER communicate by 'phone.
                        Send EVERYTHING by Recorded/Special Delivery
                        Keep a copy of EVERYTHING sent
                        Keep hold of EVERYTHING received
                        PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #102
                          Re: HSBC combined debt

                          Originally posted by Rascaljesse View Post
                          I'm "not authorised to view" that "resource" Nid , do I need to register again?
                          Sorry
                          re-read my post.

                          Login "THEN" come back here and click the link. You MUST login to AAD to use any of our templates!! Why on earth would you register a second account?
                          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                          If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                          Comment

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