I have cancer and when I was going through chemotherapy, receiving only sick pay, I found myself in a sticky financial situation which resulted in me not paying back an overdraft with HSBC which totalled £2,016

I have cancer and when I was going through chemotherapy, receiving only sick pay, I found myself in a sticky financial situation which resulted in me not paying back an overdraft with HSBC which totalled £2,016.77.

The bank assigned the debt to Mortimer Clarke Solicitors which kept calling me, despite acknowledging a reasonable adjustment request not to do so.

I agreed to a payment plan of £50 a month but this was suspended due to Covid. 

After the hold was removed I asked if the earlier amount could be reinstated and it said I needed to fill in another form.I did this but had no response, despite chasing multiple times.

A cancer patient found herself in debt and is now being threatened with court action

Mortimer Clarke said it is now going to enter a CCJ against me, which means I will lose my job, at the same time I am recovering from chemotherapy and radiotherapy.

I can’t afford to take them to court and just want to reinstate paying £50 a month.Can you help me? R.C., https://iowasheepandwoolfestival.com via email

Grace Gausden, consumer expert at This is Money, replies: I am sorry to hear about diagnosis and can only imagine that being in debt made the situation much more difficult.

Unfortunately, you had to stop working for a year as you were receiving treatment and only received basic sick pay, meaning inability to pay back the £2,000 overdraft. 

The bank contacted Cabot Financial who passed the debt on to Mortimer Clarke, a firm of solicitors owned by the Cabot Group of companies. 

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