jobmid v HSBC Metropolitan Collection Services

[jobmid]

I was contacted by an agent of SL Bluestone Law on on behalf of Metropolitan regarding a debt I had with Natwest bank.

 

I settled this account with her in May/June of 2002.

She then contacted me at the end of June in 2002 and said that she had an account with my name on it with HSBC bank and that she wanted payment for it.

I settled this account at the start of July 2002 as I did not want it to ruin my credit rating.

I thought that that was the end of it.

 

I moved back to Liverpool in September 2007 and 2 weeks ago I received a letter from Lowell Portfolio Ltd saying I had a debt which was sold to them by Metropolitan. This was the debt that I thought I had cleared with Bluestone.

 

After a lot of digging around it looks like I paid a debt owed by some body else from cork in Ireland who has the same name as myself born in the same year but has a diffrent middle name and was born in March I was born in August

I paid more that I actually owed to HSBC in the first place.

 

Has anybody ever experinced this.

I sent a letter via registered mail to metroliton demaning a resolution.

A good chunk of the debt was regarding overdraft charges which have been made illigal in recent days.

Any advise would be greatfull.

[Castlebest]

Hiya Job, have you heard anything back from Metropolitan? can you prove how much you paid to bluestone in respect of your HSBC debt do you still have the paperwork?

 

With regard to the unlawful charges these debts were made up of, I'm assuming as you paid bluestone in 2002 they are quite old. If you still have your statements and can prove how much you have been charged you can claim these charges back however under the Data Protection Act / Limitations Act banks are only required to provide records that are under 6 years old. This means if you don't have your statements you cant prove how much you have been charged.

 

pete

[jobmid]

Hi Pete

thank for your help.

 

Yes bluestone say they can provide a new recipt to me.

Also I paid them via sterling bank draft from TSB bank in Ireland which was taken out of my account with them so there is a paper trail proving this all the way.

 

Metropolition are having none of this.

They are saying the debt is still mine.

 

I spoke to the manager of the hsbc bank and he was the one who informed me of what happened.

 

Do you think I should sue for damages?

They have put me through alot of stress.

 

the account i settled they said was mine but the manager in HSBC said it was not

its their mistake not mine

 

they have had this on my credit report for 6 years showing it still outstanding when it should have been marked as settled.

 

please eveyone i cant sleep with the worry of this can anybody offer me advise?

[jowalshy]

If the debt has been settled and HSBC have admitted thier error of crediting your repayments to another account, I would ask HSBC to contact Metropolitan and explain this to them.

[jobmid]

just to let you all know i got this sorted and got a refund of over £500 from them as the debt i paid was not mine and my own debt was quite less.

[Castlebest]

Well done job I hope we helped you in some little way.

 

pete

[jobmid]

Im thinking of sending a subject access request to Metropolitan Collection Services Ltd (aka HSBC Collections) for thier mess up with my account to see the full extent of the mess they put themselves into with regard myself.

 

Back in 2002 I was contacted by their solicitors in the US called SL Bluestone

who collected over £1400 from myself last year

 

the reason why i joined cag was i was contacted by lowell saying i owed hsbc money

it turned out i had paid someone else's debt with the same name

 

Metropolitan had to correct this fast

but they at first claimed to know nothing about it until i showed an email from bluestone

They repaid me the diffrence between the 2 debts

 

I wonder could I score even higher now by getting a sar and see what was the full extent of the mess.

 

Any ideas is it worth giving them a bloddy nose or just leave it?

[jobmid]

Im thinking of sending a subject access request to Metropolitan Collection Services Ltd (aka HSBC Collections) for thier mess up with my account to see the full extent of the mess they put themselfs into with regard myself. Back in 2002 I was contacted by their solisitor in the US called SL Bluestone who collected over £1400 from myself last year and the reason why i joined cag was i was contacted by lowell saying i owed hsbc money it turned out i had paid someone elese debt with the same name Metropolitan had to correct this fast but they at first claimed to know nothing about it until i showed an email from bluestone and they went s**t and repayed me the diffrence between the 2 debts I wonder could I score even higher now by getting a Subject Access Request and see what was the full extent of the mess.

 

Any ideas is it worth giving them a bloddy nose or just leave it?

[MARTIN3030]

post moved here.

[spamheed]

It is my nature to be pedantic and I have a deep dislike of bullies, so I would tend to say, go for the throat.

 

These companies take no prisoners when running their grubby little businesses, so I would have no qualms about ramming it back down their throats.

 

Fair play, they did cough up and correct the mistake, but under the Data Protection Act and OFT guidelines they shouldn't be making mistakes like this in the first place.

 

I think it's down to how much of this you can priove, but if you have it in writing that they accept that they have cocked up then at the very least, upon receipt of the SAR I would be inclided to complain to all and sundry about their business practices

[Castlebest]

Hiya Job, if you think there is a possibility there are more funds there that the bank shouldn't have then I would have to say its worth the SAR and tenner to find out .

 

If they have been straight with you then you will have put your mind at rest and its cost you £10 and if not then you can claim the additional back .

 

pete

[jobmid]

alot of what they collected were bank charges but are over 6 years old so i dont think i could get bank charges back from them

[Castlebest]

Depends on your argument ;-)

 

If you argue the bank's intention was to conceal the fact that their charges were unlawful and this didn't come to light fully until the OFT started their reviews in 2006 then it opens up the whole can of worms.

 

The statute of limitations will use the 2006 date as the marker for when the unlawfulness became apparent and the whole of your charges before that date will be claimable because they have been concealed by the bank :grin:.

 

pete

[jobmid]

might send the sar request then as most people know by now Metropolition DCA are not really a DCA but infact HSBC pretending to be a dca

[jobmid]

going to send off my cca request later today to HSBC should i use a postal order or cheque?

[Audreygreeneyes]

erm just a minor point here but if they have had your excess dosh since 2002 what aboutthe interest on it?

 

It migh also be worth writing to them all under the freedom of info act as well, thats free and they have to disclose everything they have on you......

 

and welcome to the site......:)

[jobmid]

silly me ment sar do i send a postal order or cheque?

[Castlebest]

It doesn't matter which you send really HSBC normally don't charge for SAR's they send back your cheque or postal order with the information I know, amazingly HSBC actually do something for free

 

pete