Hello all, hope everyone is well
Its been an eventful few weeks which hasn’t given me the browser time I normally have! In a nut shell, I’ve got a new job (YAY!) with a small pay increase and have been working my butt off trying to impress, consequently I’ve not had the energy to come online much.
Anyway, something a bit more interesting than my general fatigue is that after speaking to HSBC on 3 occasions I’ve managed to get hold of a copy of my Managed loan agreement. What I’d like to achieve is the same as most people on here, I want to calculate and demand back any charges I can from the following:
HSBC – Managed Loan (ML) Started in early 2006, a few years left to run)
HFC/Benificial Finance – Personal loan x 2 - one has finished, the other has 1.7 years left
A very brief history as to how I got myself into this position. The family had got into a bit of trouble when my father got ill and I had to take some action to keep us all afloat. I took a loan from HSBC and HFC which I was happily and easily paying off, it wasn’t a big problem. My father got better and 4 years later life was back to normal. Then in 2006 I got made redundant and it took me 5 months to find work again. I had temped for nearly all 3.5 months but at a fraction of the income. A few missed payments later I was being faced with a managed loan from HSBC which, in order to reduce my monthly payment I took. That’s where it all started.
Now, from the moment I started work again to this day I’ve never had a problem paying the monthly balance for these. I one point had 3 loans I was paying back and I haven’t missed a payment since I started working again in mid 2006.
As I said I’ve now got a copy of my contract from HSBC regarding the ML, I would assume I would also need the same from my HFC accounts too? I’ve probably missed it but is there a step by step process involved?
Im not worried about getting another bank account (even after nearly 20 years of loyalty) but I don’t know what one to go for. Doing a search just confuses me even more, I just don’t know why.
Did anybody else feel a bit overwhelmed by the task ahead of them? I’ve been reading various posts and I should have a clear idea of what I need to do but it’s just not clicking. What methods have people used to keep track of what they have done and how do you know what to do next?
I’m so confused I can’t think, I never used to be so stupid, but having to worry about this most days has turned my brain to mush.
Help? :cry: