With the bank delays on giving me an answer on the hardship I allowed myself to get to the brink of being late and didn't allowed myself any time to manouver. It is not like I could have rented in advance "just in case" they declined.
So I learned their decision yesterday on a letter dated one day after my July due date. And now I am just 10 business days to be 30 days late in Aug 6th!
I am thinking that when I get paid July 30th I could pay the $645 and bring me current by delaying the paynents on everything else. That would make my other payments late but not 30 days late.
That is not a sustainable solution but would buy me until Aug 30.
Problem is that by paying and becoming current HSBC will not give priority to my case they have told me numerous times that people who are late are priority or "you are not late 'yet' so you are not high priority" "we have more cases than we can handle"
my current score is 740...