help needed fast

poppyjay · 18 July 2007 at 11:25AM

hi i need some help fast what happened was me and husband both had hsbc credit card with £1500 limiit which we both got to could not afford min payment so the bank offered us a loan and said it would cancel c cards .we only had a income of £8000.a year the card were never cancels so we spent on them agaiin (we are fools) bank offered us another loan to clear cards said it would cancel them never did we did the same again this happened four times we now have a loan of £22000 we no its complectly our fault for spendiing oncard but is there anything we can do as if they were cancel in first place we would not been in this mess
thank you
will not be posting anymore but thank you for every ones help

hazzie123 · 18 July 2007 at 12:56PM

Always cut your cards up into tiny peices if you dont want to spend on them.

Never trust the bank to cancel anything,always do it yourself.

Sorry I cant be of any help.

s1h · 20 July 2007 at 10:08PM

Again ... people trying to find ways to get out of what they have borrowed,

You borrowed it, you spent it, you pay it back.

eatmyfish · 21 July 2007 at 7:16AM

s1h wrote: »

Again ... people trying to find ways to get out of what they have borrowed,

You borrowed it, you spent it, you pay it back.

Don't be grumpy, do what I did and buy shares in the bank, they are coining it in from these idiots, and I get a nice profit :j

savvy · 22 July 2007 at 11:32AM

:money: Pls be nice to all MoneySavers. There's no such thing as a stupid question, and even if you disagree courtesy helps.

nomoneytoday · 22 July 2007 at 4:57PM

IMHO you should also take responsibilty for your actions. You could have cut the card up, or closed the account too.

Richie23_2 · 22 July 2007 at 5:25PM

I personally dont think there is alot you can do.. or what you are trying to ask help in doing, the bank havent held a gun against your head and said "spend, spend,spend!"

You need to firstly cancel the credit cards yourself, dont cut them up as they are still active and when you need to replace them you just ring up.. go to your nearest hsbc and cancel them completely. Next thing to do is post on the 'Debt free wannabe board', Ive noticed you've got £31k in debt, you need to explain all this properly on there and what you actually spend your money on and there are some great people on there who will really help and maybe not give soo many sarcastic comments.

help needed fast

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