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    • Oh and Exhibit E, which shows that they do not have planning permission at the Urban Exchange to errect ANPR cameras or to put up advertisment signage. Planning - 100 Great Ancoats Street Manchester M4 6DE.pdf
    • Hi Stuckfast and welcome to CAG   Great job starting to self-manage your debts and listing them out here, you seem proactive and that's a great trait to have when it comes to debts.   You don't mention your partner's income so maybe there is some flexibility there to maintain pro rata payments?   Personally, looking at your list vs income I would consider dropping all of them to £1 per month as per the pro rata process and stating you are having further financial difficulties. The reason I would do this is you are unlikely to clear any of them as it stands and there's little difference in £5-£1 from the creditors point of view, whereas due to the amount of accounts, that's alot of ££'s for you when multiplied. This can be saved initially with a view to perhaps making full and final settlements on the none defaulted smaller accounts in the future but at the very least give you some breathing room for now.   Then, at some point after the companies all default you, they are likely to sell the debt on, at which point you can challenge the DCA's to prove the accounts are enforceable - they are usually not due to how the Original Creditors (OC's) and Debt Collector Agencies (DCA's) carry out this process.   Have a read through the debt forum for similar situations as yourself you'll soon pick up the idea.   You are not alone and there's nothing to be ashamed of - you've done the right thing in reaching out here on CAG, we will help you   Lastly, I disagree with Yorky and do not think you should seek advice from any company that is funded by the financial institutions, advice here is free and if you're willing to learn you can absolutely do all of this yourself.   Don't use the phone - letter's only. Don't complete any income and expenditure forms You've already proven you are willing to take control, continue!   BT  
    • It isnt a great thing to have to worry about all these things. I am sure someone on this site will offer some great advice.   Priority debts need to be sorted first; Rent/Mortgage, Council Tax, Utility   - Dont quote me as I do not know the legal points around this; but Overdrafts, catalouge, card debts are not priority. I would sit down and work out exactly what your priority debts and living costs are, deduct from your income. Look at all your cards, loans overdrafts etc, list them all, starting from the highest interest charging ones, think what and which ones to work out a realistic monthly payment, dont overpay what you cant afford.  I would consider not using the cards etc, as you will be adding to your debt and problems. I would contact someone Like Stepchange or Citizens advice, they will offer you some very good advice and ways of contacting your companies you have debt with. Dont be afraid of your debt companies, write to the fully explaining situation and what you can realistically offer, do not be preasurised into paying more than you can I personally prefer contact by post or e mail rather than telephone. Ive no idea what Factor, Monzo is, but may well fall in line with what Ive said.   Keep a note in a diary of every call you made or who contacted you, ask for names, keep and copy all letters to and from as this may be helpfull further down the line for record keeping.   Do not ignore contact as this just adds more stress for you and the problem wont go away.   Make sure you make your affordable monthly payments, every month, even if they say we wont accept it, its to low.    As you have a lot of stress going on, I would certainly contact someone like Stepchange or Citizens advice,    Good luck
    • Hy. Caring for family adult learning disability; full time, currently unpaid from work, unpaid carer - receive weekly carers allowance This is what I have searched on so far; - can only receive from employment £132 a week, after Tax, NI, deductions in all about £201.00 a week, but this is taxable and needs to be entered on tax submission, but if less than personal allowance then no tax may be paid? - I believe NI is paid as long as you get the carers allowance, although gap between break in employment and start of carers allowance may not be? -Should employment end due to company not happy in change of hrs and I have to leave, then only the carers allowance would for be the income, If UC is applied for would this allowance be deducted from what UC give or the person I cared for be affected - Savings may affect if you get UC or not - Certainly cant be available for looking for work as full time carer   anyone have any points, help or advice on this issue please
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HSBC closing my business account, but admit it is an error by the IT team


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I am having an issue with HSBC with whom I have held business and personal accounts with for over 30 years.


I have received notification that my business account is being closed due to failure to submit the HSBC Safeguard form by 12 June 2017.


This form was submitted on 11 June 2017, a fact confirmed by 4 members of the HSBC Remediation Team, however, on the 12 June a popup claimed the form had not been received (despite showing a link to the completed form) and the account was being closed, but we had until the 10th October to complete it for the bank to reconsider. We assumed this was a fault on the system and decided to leave it for a few days to see if the message disappeared.


A few days later we received a letter confirming the closure (not on the 10th October but 13th August).

Wed 21st June – Called 08000 304 516 and spoke to Abdullah (Remediatioons) who confirmed it was an error, the form was received on 11 June and he would get the message removed.


Mon 8th July – Chased as no correction. We were now growing concerned and started recording calls about this case. I spoke to Abdullah again, who disappeared for 15 minutes, then asked several questions on the form which we answered. He said HSBC would be writing to me and “not to worry as we had until the 13th August to sort out the form and get the closure removed.”


Fri 14th July – Chased again as no letter. Received call back from Jasmina (HSBC Remediations Supervisor) who again confirmed they received the form on 11th June and they were aware of the error. The message was a known problem and being removed by the correction team on 17th June. She said she would monitor it.


Wed 19th July – Still no correction and we have been told for the last four weeks it would be. Spoke to Letitia who again confirmed it was the bank’s mistake and she would get Jasmina (who is dealing with it) to call us today.

When asked to confirm the account was no longer being closed, Letitia replied “I cannot make that decision.”

Will I still have a business account on 14 August? “I am going to reassure you to let you know that there is NO intention of doing that…….we can see it is our issue……you are NOT going to be jeopardised.” (taken from recording o call).

“I will reach out to get someone to reassure you……I will escalate it……..I will definitely get that reassurance for you today,,,,,,,I will get Jasmina to call you today.”


Fri 21st July – Rang again as no call from Jasmina. Spoke to Raman who said she would get the IT department to correct the message. I explained I was told this a month ago and she promised to escalate this and suggested I contact customer complaints as several customers who submitted their forms in June were having the same problem.



The account closure is 3 weeks away and as we have been promised for the last month this was an error that would be corrected, we have made no attempt to open another. Plus:



  • We have no wish to move our business account, we have a small overdraft on the account and besides this, everything is fine.
  • They are closing it on the basis that we did not submit a form, however, four members of staff of HSBC confirm was received on time.
  • We are not able to speak to someone in a position to give us direct answers.
  • We are currently working on current and forthcoming projects that will be paid in August and September and need to know we will have a bank account for the funds to be paid in to.

All we need is someone to say we are not closing your account, but nobody will.

Edited by maggie60
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Has anyone tried Cashplus - are they really as bad as Trustpilot reviews?



I was concerned as they only received 4.3/10, until I saw HSBC received 0.6/10 with 90% bad reviews.

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Thanks. I am due a call from the complaints team in the next day or two, and it that does not resolve it, I will email him.



Not moved bank, as I have been relatively happy with them for the last 30+ years.

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Sorry, didn't see your comment.



Email to MD did the trick and they started taking notice.


Wonderful! - Proof emailing up above can make a difference :)


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