Hi, I am hoping for some friendly advice for a longtime lurker and hope I'm in the right section. I've had business and personal accounts with HSBC since they were the Midland Bank. They've seen me through good and bad, though the emphasis in recent years seems on the latter. As my turnover reduced considerably between 2006 and 2008 they made me turn my business £20k overdraft into a £2.5k overdraft and £17.5k small business loan. The five year loan will complete on 16 July and that will be £402 less to pay out each month. The only problem is I have not been able to meet the last two payments due on the 11th and the second attempts to take the payments failed. I now need to speak to them to come to some agreement to get back on track and I wonder if I could ask for your expert advice on what they would accept? My ideal answer would be if they would allow me to clear the payments over the remaining six months as and when I can afford to make additional payment, the second, perhaps more realistic plan would be to pay the £804 off in equal payments over the period. The last option, which would prove very difficult would be I clear the arrears by the end of March. In each case I would ensure funds are available for the normal monthly payment. Are they likely to accept any of these options or demand payment now? They have behaved excellently in the past and I have no complaints about them. In 2011 they allowed me to pay off a £12.5k credit card debt linked to my personal account off at the rate of £20 per month, which will be repaid just before I am 100. And they still allowed me to keep my £3k personal overdraft. However, I realise a few lives were used up with that and this is a business loan. The business isn't insolvent. If I added up everything coming in less every going out, I am in credit. It's just the timing of things coming in.