HSBC and the FOS- supported HSBC help needed please

raquelle_2

natweststaffmember wrote: »

Do you have any priority debt arrears(mortgage/rent, council tax, utilities)?
Are any of the arrears being paid off?
The argument in line with the FSA Waiver is a lifestyle event ie loss of job/hours caused less income to go into the account leading to charges which as a consequence left insufficient to cover essential outgoings leading to arrears. You can claim back to July 2001 but the issue of financial hardship is the point in which the lifestyle issue caused charges leading to arrears.
I hope that make sense?

Well it does kind of, the thing is i'm robbing peter to pay paul, I'm putting my priority debts on my c.card and used my loan to pay the outstanding, i've had to do this as i live with other people and can't afford to mess up everyone elses life as well as my own! so since I first started the claim my priority debts have now been updated but therefore i'm not keeping up with repayments with my c.card and loan repayments, hence the baliff letters. I'm not sure what to do with myself either way someone doesn't get paid.

Well from 2005 to 2007 i was earning £2000+ but I had to leave the company due to family issues and I am now earning £1000 a month therefore not covering my orignal bills.

i give up now, i desperately need the money but it's a losing battle it comes across to me that the FOS will only support me if i make my debt bigger with HSBC, or have i got that wrong?

Thanks again!

natweststaffmember

so you have a lifestyle change caused by a lower paid job(so that is point 2 ( A ) of the waiver which means charges since the wages dropped are? And how much are the priority debts? And how much is their offer against the priority debts and charges incurred?
There is your argument on a plate. Does that make sense?