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HSBC loan--Can we negotiate?

Hi,

I have a HSBC for too much which I am having problems paying although I have not missed a payment. Everytime I go the bank to talk about it they increase my overdraft.
I am in the process of trying to cancel the PPI but want to try and negotiate the payment on my loan.

Is this possible and if so what approach should take?.

Any help would be greatly appreciated.

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