Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
    Basic Account Holder lisa2393 Novitiate

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    Default Central debt Recovery Unit V ME !!!!! Help Please

    Hi Guys,

    I have a credit card with HSBCicon which I issued a CCA for on 13/2/07 and nothing back from them.

    Today I have recieved a letter from Central Debt Recovery Unit saying that HSBC have passed the debt to them and they are givng me to the 12th to pay in full, they have also said they are going to send a doorstop representative.

    Do I ignore this letter, do I say HSBC have acted illegally passing the debt while in dispute, do I CCA central debt, any help would be great thanks xx

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  2. #2
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    Default Re: Central debt Recovery Unit V ME !!!!! Help Please

    Do you mean Central Debt Enforcement Agency, whose address is in Worthing?

    If so, they are owned by Metropolitan Collection Services, which in turn is owned by HSBCicon.

    Write to them explaining that the debt is in dispute, so that under the OFT guidelines no further collection activity should take place. Since the new fosicon scheme is now in place, now would also be a good time to ask CDEA for a copy of their complaints procedure. Then, if they pursue you again, you can start a complaint.


  3. #3
    Basic Account Holder lisa2393 Novitiate

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    Default Re: Central debt Recovery Unit V ME !!!!! Help Please

    Thanks Scarlet Pimpernel,

    Yes its the one in Worthing, will issue a letter today a request a copy of their complaints procedure.

    many thaks x


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    Default Re: Central debt Recovery Unit V ME !!!!! Help Please

    Try this - amend to suit

    Dear Sir/Madam

    Your Ref;

    I do not acknowledge any debt to you or your client.

    Please be advised that I have contacted your client directly and requested further information under the legislation contained within s.78(1) consumer crediticon Act 1974 (S.77 (1) for fixed sum credit). Please note this was requested on 21 August 2006, and as I have received no response from your client this debt is now unenforceable.

    To this end I would like you to note that I will not enter into any further communications with your company on this matter, unless and until my request is actioned.

    I also wish to make it absolutely clear that personal callers will be viewed as trespassers, and action will be taken, including but not limited to, Police attendance



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    Default Re: Central debt Recovery Unit V ME !!!!! Help Please

    CDEA used to send out letters designed to look like Court forms. I would be interested to know if this is still the case.

    Whilst you have the letter in front of you, can you say how CDEA's corporate status is shown? Is it a limited company (with registered office address and registration number)? Is it MCS t/a (trading as) CDEA, or 'a trading style of MCS'? Anything else that may be of use in determining how they represent themselves?

    This info will be useful for a data protection issue I am looking at.


  6. #6
    Basic Account Holder lisa2393 Novitiate

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    Default Re: Central debt Recovery Unit V ME !!!!! Help Please

    Hi, sorry for the delay in responding,

    the letter is from Central Debt Recovery Unit, PO Box 4093, Worthing, BN11 2RD.

    At the bottom in very small print it says Central Debt Recovery Unit is a trading style of Metropolitan Collection Services Limited, Registered Office 56 St James Road Edgbaston Birmingham B15 1JL Registered in Englang number 1475006.

    Hope this helps, thanks for the help x


  7. #7
    Basic Account Holder Richard Spud Informative Richard Spud Informative Richard Spud Informative Richard Spud Informative

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    Default Re: Central debt Recovery Unit V ME !!!!! Help Please

    METROPOLITAN COLLECTION SERVICES LIMITED – WHO ARE THEY?

    INTRODUCTION

    It is noted that many contributors have dealings with the above debt collectionicon Company regarding Consumer Debts with HSBCicon Bank plc, therefore it may assist readers in establishing exactly who they are dealing with by considering the information contained in this posting which has been obtained from public records, and other published material, and which covers such topics as:

    Metropolitan Collection Services Limited is part of HSBC Bank plc - Information

    Central Debt Enforcement Agency is a trading name of Metropolitan Collection Services Limited - Information

    HSBC Bank plc has £27,455.00 in unsatisfied county courticon Judgments lodged against it - Information

    “Financial Services Authority Fines HSBC Bank plc £100,000.00” – Article

    It is understood from public information that Metropolitan Collection Services Limited (which has 5 other trading names) is a wholly owned subsidiary of HSBC Asset Finance (UK) Limited that is a wholly owned subsidiary of FTG Limited that is a wholly owned subsidiary of HSBC Bank plc that is a wholly owned subsidiary of HSBC Holdings plc (the ultimate owner of Metropolitan Collection Services Limited).

    It is also understood that the Company Secretary of Metropolitan Collection Services Limited is the same for HSBC Asset Finance (UK) Limited and FTG Limited.

    It is further understood that DG Solicitors is the practising name of solicitors employed by the HSBC Group.

    Whether contact is from HSBC Bank plc, the Collections Department thereof, Metropolitan Collection Services Limited (and under any of the other 5 trading names) or DG Solicitors, in effect it appears as these matters remain in-house and are dealt with by staff employed by the HSBC Group.

    INFORMATION

    “HOLDING COMPANIES OF Metropolitan Collection Services Limited

    Company name: HSBC HOLDINGS PLC
    Relationship: Ultimate
    Level of Ownership: 01
    Country of Registration: United Kingdom
    Company Registration: 00617987

    Company name: HSBC BANK PLC
    Relationship: Wholly Owned
    Level of Ownership: 02
    Country of Registration: United Kingdom
    Company Registration: 00014259

    Company name: FTG LIMITED
    Relationship: Wholly Owned
    Level of Ownership: 03
    Country of Registration: United Kingdom
    Company Registration: 01143819

    Company name: HSBC ASSET FINANCE (UK) LIMITED
    Relationship: Wholly Owned
    Level of Ownership: 04
    Country of Registration: United Kingdom
    Company Registration: 00229341

    SHAREHOLDERS OF Metropolitan Collection Services Limited

    Name: HSBC ASSET FINANCE (UK) LIMITED
    Shares: 2 ORDINARY £1 SHARES
    Country of Registration: United Kingdom
    Company Registration: 00229341

    LINK TO COMPANIES HOUSE SEARCH: WebCHeck - Problems

    NOTE: For £1 per document copies of company records can be downloaded i.e. Articles of Association, Filed Accounts, Annual Returns, List of Members etc.

    INFORMATION

    Public information held at the Information Commissioner’s Office indicates that METROPOLITAN COLLECTION SERVICES LIMITED is a Registered Data Controller (Registration No. “Z5518969”) and also trades under the following names:

    “CENTRAL DEBT ENFORCEMENT AGENCY

    PAYMENT SERVICES BUREAU

    MAITLAND COLLECTIONS

    FIVE WAYS RECOVERY SERVICES

    BANCROFTS”

    LINK TO ICOicon SEARCH (enter: “Z5518960” in the Registration Number Box): http://www.esd.informationcommission...d/DoSearch.asp

    INFORMATION

    The Registered Office address of:

    METROPOLITAN COLLECTION SERVICES LIMITED

    With Companies House (Registration No. 01475006) is:

    56 St. James Road, Edgbaston, Birmingham, B15 1JL

    As situated at the junction of St. James Road and Calthorpe Road (as shown with Royal Mail)

    See Royal Mail Address / Post Code Finder http://www.royalmail.com/portal/rm

    See Google Earth Google Earth which shows a small white building in the grounds of HSBC 12 Calthorpe Road, Edgbaston, Birmingham, B15 1RA (as shown with Royal Mail)

    The Register of Members Address is: 8 Canada Square, London, E14 5HQ

    INFORMATION

    The Address of:

    METROPOLITAN COLLECTION SERVICES LIMITED

    With The Information Commissioner’s Office (Registration No. Z5518960) is

    56 St. James Road, Edgbaston, Birmingham, B15 1QZ

    As situated at the junction of Monument Road and Plough and Harrow Road (as shown with Royal Mail)

    See Google Earth which shows a Royal Mail District Sorting Office.

    INFORMATION

    The address of:

    HSBC Asset Finance

    With Royal Mail is:

    Forward Trust House, 12 Calthorpe Road, Edgbaston, Birmingham, B15 1QZ

    See Google Earth which shows HSBC 12 Calthorpe Road, Edgbaston, Birmingham, B15 1RA

    INFORMATION

    The Registered Office Address of:

    HSBC Asset Finance (UK) Limited

    With Companies House (Registration No. 00229341) is:

    8 Canada Square, London, E14 5HQ the same as with The Information Commissioner’s Office (Registration No. Z5518102).

    However, other public information shows a Trading Address for HSBC Asset Finance (UK) Limited of: PO Box 362, Edgbaston, Birmingham, B15 1QZ

    INFORMATION

    The Address of:

    DG SOLICITORS

    With The Information Commissioner’s Office (Registration No. Z574180X) is:

    2nd Floor, 12 Calthorpe Road, Edgbaston, Birmingham, West Midlands, B15 1QZ

    As situated at the junction of Monument Road and Plough and Harrow Road

    See Google Earth which shows a Royal Mail District Sorting Office.

    INFORMATION

    The Head Office Address of:

    DG SOLICITORS

    With The Law Society is:

    HSBC 12 Calthorpe Road, Edgbaston, Birmingham, B15 1RA

    INFORMATION

    Public information as at 23/04/07 indicates that apparently “HSBC Bank plc” has £27,455.00 in unsatisfied County Court Judgments lodged against it.

    COUNTY COURT JUDGMENT (CCJ) SEARCH FOR:

    HSBC HOLDINGS PLC

    There have been no CCJs lodged against this company in the last 72 months”

    COUNTY COURT JUDGMENT (CCJ) SEARCH FOR:

    HSBC BANK PLC

    Total Number of CCJs in last 72 months =19

    Total Value of CCJs (GBP) in last 72 months = £34,567.00

    Total Number of Unsatisfied CCJs in last 72 months = 14

    Total Value of Unsatisfied CCJs (GBP) in last 72 months = £27,455.00

    Total Number of Satisfied CCJs in last 72 months = 5

    Total Value of Satisfied CCJs (GBP) in last 72 months = £7,121.00”

    COUNTY COURT JUDGMENT (CCJ) SEARCH FOR:

    FTG LIMITED

    Total Number of CCJs in last 72 months = 1

    Total Value of CCJs (GBP) in last 72 months = £2,082.00

    Total Number of Unsatisfied CCJs in last 72 months = 1”

    COUNTY COURT JUDGMENT (CCJ) SEARCH FOR:

    HSBC ASSET FINANCE (UK) LIMITED

    There have been no CCJs lodged against this company in the last 72 months”

    COUNTY COURT JUDGMENT (CCJ) SEARCH FOR:

    METROPOLITAN COLLECTION SERVICES LIMITED

    There have been no CCJs lodged against this company in the last 72 months”

    LINK TO REGISTRY TRUST LTD:
    RTL Home

    INFORMATION

    FINANCIAL SERVICES AUTHORITY FINES “HSBC BANK PLC” £100,000.00

    “On 14 December 2005, the FSA imposed a financial penalty of £100,000 on HSBC Bank plc ("HSBC") for failing to take reasonable steps to ensure the accuracy of transaction reports it made to the FSA from December 2002 until August 2005. In failing to ensure the accuracy of its transaction reports, HSBC breached SUP 15.61R of the FSA Rules.”

    LINK TO FSO FINAL NOTICE: http://www.fsa.gov.uk/pubs/final/hsbc_14dec05.pdf

    I hope the above helps.

    A Well Wisher.


  8. #8
    Basic Account Holder jax17 Novitiate

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    Default Re: Central debt Recovery Unit V ME !!!!! Help Please

    Hi ,
    I'm also having trouble with the central debt recovery unit.
    What happened was . . . . i got sick of bank charges with HSBCicon so set up a halifaxicon account but like an idiot didnt officially close the HSBC account i just left it as it was and didnt think there'd be any problem with it.However i had forgotten to cancel a couple of minor (or so i thought) direct debits e.g £5 every month to my childs saving plan obviously there was nothing in the account so they couldnt get there money but as HSBC do they charged me for this and kept on charging me every time they attempted to take the money.God only knows how many times this has happened but the letter i recieved says i owe them £1802 which has left me gobsmacked to say the least.Prior to this letter i have recieved one other but at this point the total was still over a thousand and I panicked and hoped it was an adminicon error and prayed it would go away.No such luck.90% of the amount their demanding must be purely bank charges , i cant pay it.I cant believe HSBC have left it so long before contacting me.if they'd got in touch n said you owe a couple of hundred then fair enough its my own fault for forgetting the debits but 1800 is crazy.Does anyone know what i can do ? where i stand with this? do i have any option but to pay it? please help!!!!!


  9. #9
    KER KER is offline
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    Default Re: Central debt Recovery Unit V ME !!!!! Help Please

    I have the same situation as Jax17 in that HSBCicon let me go overdrawn on an account that should have had no overdrafticon facility on it, and then just added heaps and heaps of charges so that a debt that started at £200 is now standing at just over £1400!

    I have today drafted the SARicon letter to HSBC to reclaim the charges. Is there a standard letter I can send to Central Debt Recovery Unit to tell them to back off as this is now in dispute?

    Thanks for any help!
    (This forum truly is superb!)


  10. #10
    Basic Account Holder jayuk26 Novitiate

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    Default Re: Central debt Recovery Unit V ME !!!!! Help Please

    Dear all,

    I have owe £650 HSBCicon and they passed it to Central Debt Recovery Unit. Today I have letter from Central Debt Recovery Unit "WE CONFIRM THAT WE WILL BE CALLING YOU " on 9/4/09 to door step.

    Are they really come to door to collect debt. If they come then what should i tell them because there is no way I can pay them money in full.

    Any reply would be great help!!!

    Thanks


  11. #11
    Basic Account Holder gazebo Novitiate

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    Default Re: Central debt Recovery Unit V ME !!!!! Help Please

    Tell them to get off your doorstep and go away. They have no right to be there or to hassle you in any way. If they don't go away or if they behave in any way that could be contrued as harassment, call the police.

    Having said that, it's cheap to send out threatening letters. It's more expensive to actually send people out. I very much doubt that anyone will call.


  12. #12
    Basic Account Holder xstacey88x Novitiate

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    Exclamation Re: Central debt Recovery Unit V ME !!!!! Help Please

    Hi does anyone know if CDRU actually send bailiffs for unpaid debt? I around £1200 for a student overdrafticon when my HSBCicon account was unfairly closed at the end of 2009. I have been paying them £5 a week which they have accepted but are not happy about, I was wondering what would actually happen if I stopped paying it altogether? My details are registered to my mums address and I no longer live there so wouldnt want bailiffs turning up at her house. After HSBC arranged a payment plan with me over the phone, they sent me to metropolitan before the first payment was even due. This was in turn sent to DG solicitors and is now being dealt with by CDRU. I was wondering what would happen if I stopped paying it, how many of their ridiculous in house debt collectorsicon would they send it to before finally sending bailiffs or actually selling the debt to a third party?

    Has anyone ever had any experience of bailiffs being sent because of a HSBC debt?:?
    Thanks

    Oh and also, although my debt is being handled by CDRU, my last payment showed up on my bank statement as DG solicitors? Any idea why this is? I know they are basically all the same company in disguise but that seems like a bit of a sloppy error when it comes to convincing me they are a different debt collector.


  13. #13
    Basic Account Holder rudy691 Novitiate

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    Default Re: Central debt Recovery Unit V ME !!!!! Help Please

    im interested what happened ? has anybody from central recovery turned up ? I received a letter from the today reagrding my cc account


  14. #14
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    Default Re: Central debt Recovery Unit V ME !!!!! Help Please

    I think you will find by the dates on the previous posts that this is well and truly ancient and the likely hood of getting a response is negligable

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