Hi, I'm new here.
While I search information about MCS I found this site, so I thought I would register so I could talk about them, that's how much they have angered me. 2 days ago I recieved debt collection letter telling me I owe HSBC money on the account I closed a year ago in November 2008 (went into the bank personally to close it). I call MCS 3 three times and HSBC customer services 3 times. None of them could give me a bloody clue of what they are charging me for. HSBC said they couldn't recover information from the closed account (the thrid time, the staff hung up on me). MCS said they only knew it has something to do with outstanding balance and said my account closed in May 2009. I left UK the day after I closed my account and never returned since (which I'm curtain I haven't got any debt then), so was it my ghost who closed my account in May 2009? How has this debt sprung from out of nowhere. Just because I'm a foreigner and has already left UK, is this making me an easy target for them, to force me to pay debt I didn't know of? Is this a new of begging for money or what? My sister told me, if they harass me too much I could just bring a lawsuit in. But for me, I'd like to see them flying over to my country and knock on my door too. Does anybody have the same problem like me when they said you have debt that you're certain you don't? I'm writing letters to MCS, hsbc's complaint department, and hsbc's chairman. Is this the right move or if there any suggestions, I'll be very appreciated.