HSBC combined debt

[Never-In-Doubt]

Re: HSBC combined debt

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?

[PriorityOne]

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!!!

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.

[Rascaljesse]

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!!!

[PriorityOne]

Re: HSBC combined debt

I'd be inclined to offer £20-£25.....

Actually, I'd be inclined to start at £10....

[Rascaljesse]

Re: HSBC combined debt

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

[Never-In-Doubt]

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!

[Rascaljesse]

Re: HSBC combined debt

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

[PriorityOne]

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

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?

[Rascaljesse]

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

[PriorityOne]

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....

[Rascaljesse]

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

[PlanB]

Re: HSBC combined debt

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.

[Rascaljesse]

Re: HSBC combined debt

Ha, sorry to confuse plan B
I really should have started a diary,
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?!

[PlanB]

Re: HSBC combined debt

I've had a letter from marlin saying that they've handed recovery to shoosmith solicitors and then a letter from shoosmith saying that I've got 14 days to sort something out with them.
And I've had a letter from marlin saying that they have appointed Mortimer clarke( but not had the pay up or else letter from MC yet).

Okay. Sorry to be so dumb, have I got this right now:

Marlin have passed your HSBC current account to Shoosmiths solicitors who have sent a LBA (have you replied?)

and

Marlin have sent you a letter saying that they're passing your HSBC personal loan to Mortimer Clarke solicitors who haven't written to you yet.

[Rascaljesse]

Re: HSBC combined debt

Hi, sorry for for not being clearer.
I've had a letter from marlin saying that they've handed recovery to shoosmith solicitors and then a letter from shoosmith saying that I've got 14 days to sort something out with them.
And I've had a letter from marlin saying that they have appointed Mortimer clarke( but not had the pay up or else letter from MC yet).