hi there im a newbie

working_my_way_out

just wanted to come in and say hi

i am with my partner, one child and one on the way, partner works 40hrs a week i work 16 but leaving for maternity soon.

we have £5k debt and it seems awful to us but i know its by far the worst situation, we are on a DMP with payplan right now but trying to negotiate early settlement figures best we can to clear debt asap.

if anyone has any advice on negotiating, etc i would be more than grateful for it!! also i have just put in a claim for £1,502 in bank charges from hsbc so hoping that could maybe pay off around £2k of debt if i get deals on settlements?

anyway sorry for waffling, thanks for reading and i wish u all the best of luck :beer:

ehallett

Hi, just wanted to say welcome to the board and good luck with clearing that 5k debt.

Some more people will come along later on with some advice for you, I'm sure.

Congratulations on your impending birth

Best wishes

Emily x x

yung

Welcome to the forum, if you need any helps Post an S.O.A so the nice peoples on here can help. hope you are successful with you claim against HSBC good luck

*stargazer*

I am new here too, so thought I would say hi.
You will find the people on here really friendly and supportive, and the site is a mine of information !
Good Luck xx

Dr.Shoe_2

You could try offering to settle your debts completely with this money as most lenders will accept a minimum of 35% which is £1,750 on £5K. By the time your claim is settled it would not be unreasonable to add your normal monthly payment to your windfall and get rid of everything.

The only problem is is that if some of your debt is with the bank you are claiming against then they will expect you to settle this in full first.

working_my_way_out

thanks for the replies its nice to know im not the only one in a bit of a mess right now x