Should i make them an offer ???

panda-poop

Hi guys first time posting so please be gentle

Ok in 2008 i took out a £13000 loan with hsbc it costs me £308 a month to pay back

i have never missed a payment and im in the situation of paying it off fully due to a mixture of a payrise , backpay ,savings and a £1500 gift off my mum

i rang hsbc for a settlment figure and they quoted me £5600.43 which i can pay now instanly making me £308 better off a month but rendering my savings none existant :S

hsbc told me that if i see the loan till the end (which is nxt year ) i can have a reward of £1500 payed back to me ...

could i be cheeky and say ok i owe you £5600.46- £1500 would you accept £4100.46 to end the loan now over the phone ???

ive had a few friends say they have done this .But i cnt see it working

anyone have any ideas ?

ViolaLass

Doesn't hurt to try. The worst they can say is no.

blacksta

I doubt they will accept, Applying bonuses follow certain criteria.

but please try.

panda-poop

Il give it a go lol , they may accept in this current ecconomical climate to re-coup some money back lol