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Grace53

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About Grace53

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  1. Thanks Dotty - It's helped just by being able to post my rant. I'm not even anti banks or bank charges - they have wages to pay, premises to pay for and new technology to roll out etc. But what I am against is the fact that they know what's going into a person's account and whether it's a salary or a state benefit - but they will continue to take that benefit from you in bank charges before it even reaches your pocket or puts food on your table. Seems all wrong that people are charged at the same rate when they can least afford it, yet other people are adding more and more interest to their accounts. They say cancer is the biggest killer, but it's not - POVERTY is and when poverty is induced in others by greedy people who have more than enough then that's just plain wrong isn't it?
  2. I wasn't implying anything about creditors allowing money set aside for holidays - but let's face it - we've been paying for their holidays for years haven't we? I think you missed the point I was making. I was continually harrassed by telephone by MBCS for a £5,000 credit card debt, until I was suicidal and in worse health and debt than before. I had even been to Citizens Advice and they had drawn up a payment plan and submitted it to HSBC who COMPLETELY IGNORED IT and put the matter into the hands of MBCS and refused to discuss the matter with me. I went to CAB on the advice of HSBC in the first place! After months of telephone bullying, one day I received 11 phone calls while at work, asking me to agree there and then to raise the amount I was paying back, I went out to my car in my lunch hour and phoned the Financial Ombudsman and told them about the harrassment. I was also paying another company DEBTLINE, £30 a month to supposedly deal with MBSC and stop them harrassing me. At the time I had the feeling that DEBTLINE was simply another subsidiary of MBCS and they were in fact, creaming off £30 a month from my overall payment to MBCS, thus in effect lowering the amount that was being paid off my debt - and they were doing NOTHING to stop the harrassment. So I was in fact worse off by using their so called services. I wrote both MBCS and DEBTLINE a letter and I copied Financial Ombudsman in. I told them I would NOT deal with them by telephone, I would NOT agree to any more raised payments, I would NOT respond to their bullying tactics and that as I had now had a chance to assess my disposable income, I could actually only afford £5 a month at present. They accepted that, they have not phoned me again. Until yesterday I didn't know that MBCS were actually HSBC banks own debt collectors. When I did find out I felt really, really sick to think how they were behaving towards the small people out here who owe a few coppers compared to their fat cat salaries which no doubt allow them and their families to live a pretty wonderful lifestyle. They don't care if you can feed yourself or your family, they don't care if you commit suicide, they care about lending you money that they know you'll have difficulty paying back, they also know you have more scruples than they do and you'll do your utmost to pay because you're honest. And then they simply wait. They wait until you miss your payments, and then they're not your friendly bank any more. And all the while they're lending - they KNOW this is going to happen eventually, because they are more money savvy than YOU. And you're there feeling stupid, guilty and worthless because you're in debt and don't know how you got there. The Bank got you there because it's where the Bank wanted you so the Bank could repossess the home they lent you money to supposedly 'buy'. They're no worse than the loan sharks we're all warned about, they just bully you in a more professional way don't they?it we've been paying for their holidays for years haven't we?
  3. I was continually harrassed by telephone by MBCS for a £5,000 credit card debt, until I was suicidal and in worse debt than before. I had even been to Citizens Advice and they had drawn up a payment plan and submitted it to HSBC who COMPLETELY IGNORED IT and put the matter into the hands of MBCS and refused to discuss the matter with me. I went to CAB on the advice of HSBC in the first place! After months of telephone bullying, one day I received 11 phone calls while at work, asking me to agree there and then to raise the amount I was paying back, I went out to my car in my lunch hour and phoned the Financial Ombudsman and told them about the harrassment. I was also paying another company DEBTLINE, £30 a month to supposedly deal with MBSC and stop them harrassing me. At the time I had the feeling that DEBTLINE was simply another subsidiary of MBCS and they were in fact, creaming off £30 a month from my overall payment to MBCS, thus in effect lowering the amount that was being paid off my debt - and they were doing NOTHING to stop the harrassment. So I was in fact worse off by using their so called services. I wrote both MBCS and DEBTLINE a letter and I copied Financial Ombudsman in. I told them I would NOT deal with them by telephone, I would NOT agree to any more raised payments, I would NOT respond to their bullying tactics and that as I had now had a chance to assess my disposable income, I could actually only afford £5 a month at present. They accepted that, they have not phoned me again. Until yesterday I didn't know that MBCS were actually HSBC banks own debt collectors. When I did find out I felt really, really sick to think how they were behaving towards the small people out here who owe a few coppers compared to their fat cat salaries which no doubt allow them and their families to live a pretty wonderful lifestyle. They don't care if you can feed yourself or your family, they don't care if you commit suicide, they care about lending you money that they know you'll have difficulty paying back, they also know you have more scruples than they do and you'll do your utmost to pay because you're honest. And then they simply wait. They wait until you miss your payments, and then they're not your friendly bank any more. And all the while they're lending - they KNOW this is going to happen eventually, because they are more money savvy than YOU. And you're there feeling stupid, guilty and worthless because you're in debt and don't know how you got there. The Bank got you there because it's where the Bank wanted you so the Bank could repossess the home they lent you money to supposedly 'buy'. They're no worse than the loan sharks we're all warned about, they just bully you in a more 'professional' way don't they?
  4. ... by Metropolitan Collection Services? Get in touch with FINANCIAL OMBUDSMAN ... write to MBCS and tell them you will deal with them ONLY IN WRITING NOT BY TELEPHONE. Tell them you will NOT agree to ANYTHING under TELEPHONE PRESSURE and that you want ALL FUTURE COMMUNICATIONS from them IN WRITING so that you can CONSIDER your best options rather than MAKE IMPULSIVE AGREEMENTS UNDER PRESSURE that perhaps you cannot meet. Don't succumb to their FEAR tactics. In short tell the banks to DO ONE because you've had enough of accepting their 'loans' and then experiencing their BULLYING to repay more than you can afford. Tell them they're no BETTER than the loan sharks we hear about every day. Tell them you're on to them. Tell them you and your kids ALSO deserve a HOLIDAY now and then AND decent FOOD to eat. Tell them this is 2010 and the game is up! We've had enough!
  5. ... I honestly don't even know how I found this site ... in short, I've suffered from depression for several years and the consequences have been financial hardship. Back in the early 90s I found myself jobless, divorced, seriously depressed, and with two children and elderly parents to care for. I didn't realise at the time that I was Bank Fodder. At one point my benefits were going straight in and straight out of my bank account and I and my children were literally starving. Yes this was UK 1993! Also HSBC used to charge me £1 for every bank withdrawal I made from a cash machine, consequently I was always overdrawn and so when my benefits went in they were snatched up straight away by the bank. I didn't understand it and was too low and depressed and bloody hungry to UNDERSTAND what was happening. I had a credit card and hunger forced me to live on that until I couldn't do that any more. I lost precious years with my kids because I couldn't cope with the financial problems and I really felt like it was all my fault. Until I found this website today. I think of all those bankers stealing the food out of my kids mouths, going on their holidays, their kids no doubt want for nothing ... while mine walked around with holes in their underpants and empty bellies and I felt humiliated because I was too bloody exhausted to work and had to take state handouts. The banks knew that all that was coming into my account was state benefit - it didn't stop them taking it in bank charges plunging me into further debt which 17 years later I'm still in. And it's unforgivable what they've done to families and especially to the families that could least afford their bloody fees! It seems to me they were actually EXPLOITING those who had always earned their living and paid their way but who had found themselves humiliated at having to draw state benefits that they wouldn't dream of complaining about bank charges. Finally, I got to the point where I just thought - to hell with it - put me in prison, I don't care any more. I was swiftly shifted over to Metropolitan Collection Services and wow, aren't they a friendly bunch. Between 11-25 phone calls in one day, demanding an agreement to pay a certain amount. Not very nice tactics at all and very scary. I just agreed to whatever they suggested because I didn't have the bloody time to work out what I could afford to pay, I was too scared to say I couldn't pay. Eventually, I phoned Financial Ombudsman one day and told them about the phone calls even though I was paying £156 a month they were still hounding me for more. They wrote to MBCS and I also wrote to them and told them I would pay £5 a month and I would only deal with them IN WRITING in future, not UNDER TELEPHONE PRESSURE. They accepted the £5 a month. I've been suicidal, my depression is worse, and I'm seeking legal advice now. Banks lend money, they then ask for it back which is fair enough. But when they lend irresponsibly and HARRASS people for it back until they can't feed their kids and become suicidal, well I think that's a CRIME. It's no different to the tactics of loan sharks is it? But because they're BANKS it's legal and they have been getting away with it. Well I think if people don't succumb to the fear of bailiffs and imprisonment etc and stand up to the banks, then things will have to change. Thanks for giving me the space to rant!
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