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    • Thanks London  if I’ve read correctly the questionaire wants me to post his actual name on a public forum… is that correct.  I’ve only had a quick read so far
    • Plenty of success stories, also bear in mind not everyone updates the forum.  Overdale's want you to roll over and pay, without using your enshrined legal right to defend. make you wet yourself in fear that a solicitor will Take you to court, so you will pay up without question. Most people do just that,  but you are lucky that you have found this place and can help you put together a good defence. You should get reading on some other Capital One and Overdale's cases on the forum to get an idea of how it works.  
    • In both versions the three references to "your clients" near the end need to be changed to "you" or "your" as Alliance are not using solicitors, they have sent the LoC themselves. Personally I'd change "Dear ALLIANCE PARKING Litigation Dept" to "Dear Kev".  It would show you'd done your homework, looked up the company, and seen it's a pathetic one-man band rather than having any departments.  The PPCs love to pretend they have some official power and so you should be scared of them - showing you've sussed their sordid games and you're confident about fighting them undermines all this.  In fact that's the whole point of a snotty letter - to show you'd be big trouble for them if they did do court so better to drop you like a hot potato and go and pursue mugs who just give in instead. In the very, very, very, very unlikely case of Kev doing court, it'd be better that he didn't know in advance all the legal arguments you'd be using, so I'd heavily reduce the number of cards being played.
    • Thanx Londoneill get on to it this evening having a read around these forums I can’t seem to find many success stories using your methods. So how successful are these methods or am I just buying time for him  and a ccj will be inevitable in the end. Thanks another question is, will he have to appear at court..? I am not sure he has got it in him
    • Here's a suggested modified version for consideration by the team. (Not sure whether it still gives too much away?)   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you added. Shall we raise the related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding parking periods. Especially with no consideration of section 13 in your own trade association's code of practice and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked, unmanaged over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the above issues and more, with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture a couple of useless ANPR photos. If you insist on continuing this stupid, money grabbing quest, after having all of the above pointed out, we will of course show this letter to the Judge and request “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Signed, "Spot". (Vehicle Keeper's pet Dalmation).
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The proof that "Metroplitan Credit Services" are just another part of HSBC


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I've just started a run-in with this crowd, all due to a screw-up by HSBC (well, I've yet to get that proven, but I'm pretty sure.)

 

One thing you ought to know is "MCS" are NOT really a separate company to HSBC. Although they will not tell you, they are a wholly owned subsidiary of HSBC bank - you can get that information from Companies House - I downloaded a copy of the Annual Return dated 14/6/2007 and it's there in black and white: MCS has only issued 2 shares, and those 2 shares are owned by "HSBC Asset Finance (UK) Ltd", 8 Canada Square, London. So technically MCS are a separate legal entity to HSBC, in practise HSBC have 100% control of MCS's activities.

 

Further proof:

 

I received a call on my mobile from "MCS" today - at the time I hadn't realised that "MCS" was "Metropolitan", so I refused to speak to them when they asked me to confirm my date of birth etc., as I said I didn't know who they were. Later, when I realised, I tried to call them back on the same number they had called me from - +44 800 7838 422 and amusingly got a recorded message which said "You were called by HSBC bank. No further action is required by you and there is no need to return the call." (Could anybody here make a recording of it? its a free-phone number).

 

So, apart from being slightly amusing (they've screwed up they're "we're a separate company" pretence) this makes it very obvious that they're hooked directly into HSBC's telephone system, and I wouldn't be at all surprised if they're also directly hooked into HSBC's computer system too (hmmm... would that be illegal, data protection issues?)

 

So why all this pretence?

 

* I'd imagine the main reason is they're trying to put the wind up you, trying to make you think you've been "referred" to a "Collections Agency" with they think will make you uncomfortable or even scared. They use a similar FUD technique with you on the phone (FUD: http://en.wikipedia.org/wiki/Fear,_uncertainty_and_doubt)

 

* Other possible reason's that, given the way they behave (seems like their agents are all ex-Gestapo) they might not want such behaviour to be associated with a nice "caring" bank like HSBC, even if it were in the interests of credit-control.

 

* Finally, they may have internal accounting reasons ("cooking the books") by passing debt to a separate company they as HSBC can write it off as a bad debt, and probably obtain tax-benefits in the shorter term, without actually losing control as the separate company is owned by them anyway.

 

Not sure about he last point - anybody here got any opinions?

 

For my part I'm totally disillusioned with HSBC as a result of all this. Apart from the cock-up they made in the first place that resulted in my "debt" the fact that they're now trying to deceive me about the identity of "MCS". I'll be moving my banking and credits card accounts elsewhere once I get this mess sorted.

 

Nonetheless, I'm going to enjoy my next telephone conversation with them, as I'm going to be the one asking the questions: "Could you explain how you managed to call me from an HSBC telephone number?" etc. :)

 

My recommendation when you speak to them - don't let them FUD you! Ask them lots of questions. For example if they say something like "blah..blah.... may result in legal action..." reply: "Ok, what date will you be starting the legal action? I'll let my solicitor know." They're probably won't be able to answer the "what date?" question.

Edited by netg
Minor, fix two typos and wikipedia link
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This has been obvious for a long time Metro are a wholly owned subsidiary of HSBC, they occupy the same office building as DG Solicitors (another wholly owned subsidiary) and they even all have the same data controller (so they have no problems from the Data Protection Act passing data between the companies) I also personally believe they all share the same computer network, the same one your local branch has.

 

Neat little set up Bank, Solicitor and DCA all effectively the same company, however, in practice it does seem to hinder them rather than help, they get things wrong more often than right.

 

I suppose if your any good at being a solicitor or a DCA you work for a proper company rather than some corporate facade where you are told what you can and cant do :rolleyes:.

 

pete

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Yes, I'd gathered that the info was already general knowledge (here at least) but I just wanted the proof, so that I can ask them why they're trying to mislead me.

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As far as DCA's go, getting Metro on your case is a bit like being savaged by a wet haddock :rolleyes:.

 

HSBC do sell (assign) debts to proper DCA's when they get no joy from their own people which can be a bit more serious but nothing we cant handle here :).

 

pete

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As far as DCA's go, getting Metro on your case is a bit like being savaged by a wet haddock :rolleyes:. ...

pete

 

Thanks for the info Pete. I'm not too worried. Their main threat seems to revolve around my credit rating. They don't seemed to have twigged the fact that I've been living outside of the UK for the past 10 years, so my UK credit rating is hardly my primary concern. I'm waiting for them to slip up and threaten that somebody will be calling at my door :)

 

I also have the satisfaction of knowing they're paying international mobile rates when they call me. Maybe I'll take out a premium rate number and give them that as my contact number :)

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I suppose if your any good at being a solicitor or a DCA you work for a proper company rather than some corporate facade where you are told what you can and cant do :rolleyes:.

pete

 

 

MCS's "nominal value of issued shares" as recorded by Companies House is 2.00 pounds. So not really enough to pay for a complete cowboy outfit, but maybe just the trousers.

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Strange thing - pete and netg - I found contact details for MCS on the net today for 'raz' and they are as follows:

 

Freephone: 0500 99 22 99

International: 00 44 121 455 2375

Registered Address:

56 St. James Road

Edgbaston

Birmingham

B15 1JL

Registration Number: 1475006

If the freephone number doesn't work - I think the number (judging from the international one ) would be : 0121-455-2375 -it is -I've just tried it!LOL!

I rang it and got an answering message which said they were MCS ...... didn't try the freephone one though....:)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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The full truth turns out to be even more convoluted! I've posted my findings today as a separate thread here: http://www.consumeractiongroup.co.uk/forum/hsbc-bank/151559-truth-about-mcs-metropolitan.html#post1608084

 

I had great fun, to be honest they didn't squirm as much as I'd hoped, but there was definitely some squirming going on :)

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  • 3 weeks later...

Hi Everyone,

 

I have just joined these forums and I am ready to send these capitalism suckers right to Hell.

 

To cut a long story short, I became long term ill in 2007 in 2008 and through it became also unemployed - surprise surprise! Employers' duty of care?... not really!... - Anyway...

 

I had a HSBC Current Account and small FlexiLoan and a HSBC Credit Card. The two credit lines, both covered by sickness/unemployment policies.

 

For a start, an awsome number of excessive charges on my current account never got any attention from HSBC and to-date I am still waiting for the complete account history to be sent to me.

 

Then the Credit Card was actually paid in full by the Insurance Policy and - please NOTE - I expected the same to happen with the FlexiLoan, because that is what I was told.

 

No so! Insurance Policy for FlexiLoans pays for 12 months only, the monthly payment, not the balance. This is not what I was told at the counter!

 

And finally, whilst the Insurance Policy (Norwich Union) is dealing with my claim under the provisions of the Policy Unemployment, GUESS what HSBC did?!?!... They passed the matter to METROPOLITAN anc closed the accounts.

 

METROPOLITAN calls me today - Sunday, at 11AM!!! - asking for full payment of the FlexiLoan.

 

And although told over the phone that the FlexiLoan was being dealt with under Insurance, the harrassment went on and on, demanding payment.

 

So, if METROPOLITAN really is HSBC, I am stunned that they do not have details of the Insurance claim currently being processed, since they seem to have EVERY other detail about me, including name, address and date of birth!

 

So, I have lost my patience with these people and swear by God that tomorrow will be SHOUTING day at the branch, straight in public and in front of everyone, because I actually feel that I have had enough of these tossers.

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Hiya Cap and welcome to the HSBC forum :).

 

Your attitude is perfectly understandable and I don't think you will find anyone here who would disagree with you :) but one thing to bear in mind when you go into you branch is the counter staff are probably as much in the dark about what HSBC really get up to as anyone else :rolleyes: and are probably fed corporate "we are right and the customers who complain are just trouble makers" bull**** at regular intervals.

 

If you can try to see the branch manager, (I doubt he will agree to see you but you can try) and try to sort it out with them. When you get home write and confirm everything you spoke about and any agreements you made.

 

pete

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It's also a good idea to take a littlle notebook with you and make notes in it during the conversation - scares the hell out of them .......:cool: -

and say things like "now , just to be sure I've got this right - you are saying....."

It concentrates their mind if they think they're going to be quoted....:rolleyes:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Hi,

 

Thanks. I will take a notepad, but I think I need to wait for a letter from this Metropolitan. Then, armed with that and the correspondence from the Insurance, I will challenge HSBC.

 

The most annoying consequence of all this is that I no longer trust any company, bank, institution of any kind, as I become increasingly aware of the globalist shift and its consequences for most people.

 

Just can't help myself to getting ever more resistant against the whole globalism trend.

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The most annoying consequence of all this is that I no longer trust any company, bank, institution of any kind, as I become increasingly aware of the globalist shift and its consequences for most people.

 

That's the worst part of it, CS - a few banks and businesses have decided there is no such thing as loyalty to customers, only screwing them for as much as they can. :mad:This ,in turn, has made us distrustful of every bank and business . These bloodsuckers have a lot to answer for - let's hope they get called to account soon.........

Meanwhile, keep us up to speed with how yours goes please, the experience of others is always valuable........:-)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 2 months later...

Hi All

I am in a IVA with a few creditors and MET Coll is one. "what a pain in the arse they are". Met Coll call centre is in the Philippines. Every time i get a call from them they claim not to have heard from Payplan the company i selected to deal with. Even when i have emails from payplan confirming they have passed the information onto them. i.e. Birmingham fax no. 0121455 2997 given to me by the call centre. Now i have a UK phone number i might get to the bottom of it.

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Now i have a UK phone number i might get to the bottom of it.

 

Hi paul - don't bet on it - they have a 0500 No. that patches straight through to the MCS Phillipines .............:rolleyes:

But keep at 'em anyway - ......LOL !

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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