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bad debt...


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Hi guys, Cool forum!


Well... I am in debt... I took a £8K loan out two years ago - and it wasn't too bad to repay. Now I have had a family emergency and have had to leave my job and move back home to look after my seriously ill father - I cant afford to repay the loan at £130 a month. Im on jobseekers...


I am going to file a DRO - just wandering is this the best thing to do for my situation?


Also I have sent my bank (HSBC) a letter today asking for the amount they have charged me - with a £10 in it for their admin charge. This is the second such letter but this one I sent recorded so maybe they will reply this time! Any advice on what to do to get them to pay up my bank charges?


Yours in anticipation...



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