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    • 3 threads merged please keep to one thread.   forget the calendar section of a credit - no-one bar the original creditor and the person can see that   its the summary status line the any potential lender will only see.   so as it stands, she as 1 or 2 in the calendar section which, correctly shows she was either late with the required payment for that month or short paid what should have been.   although these will effect here potential 'score'. as said above only the lender and her can see them
    • I haven't had a chance to read through his contract yet but he is insisting that it says of he leaves his position within 2 years he will have to pay back his course fees. I will read it properly though and get back to you  Thanks for your help so far 
    • Hi all,   New to the forum, so please feel free to move the topic if needed.   I need a little help with a used car: I bought an 04 BMW from a dealer about 2.5 weeks ago. It cost £1,600. I gave it a test drive and it seemed pretty decent so paid via bank transfer and took it home. The issue started when I took it on a national speed limit road as the car started to sway on the road. I reported this to the dealer and he agreed to fix the issue. He took it to his mechanic who informed him that it was the drivers side hub. They didn't have time to fit it so gave me the part and the option to use a local mechanic. The mechanic agreed it would be causing the sway, charged me £80, which the dealer refunded to me.  The car was improved but we went on a short break over the last few days and I drove the car about 35 miles away. The issue now is there is a rumbling sound, noticeable on motorways and it doesn't feel particularly safe, especially over deviations in the road. As the swaying was the main issue I can't say if that rumbling was there to begin with.   The dealer has been fair to me so far in refunding me the money but he did admit he only test drove the car and it wasn't checked over fully when I took it back the first time. My mechanic said the play on hub was so bad it should never have been sold in that condition. I have messaged the dealer this evening explaining the issue but he has been a bit defensive saying the car does not have a warranty and he has already spent money on repairing it. He will need to speak to his manager and get back to me. To be fair to him he has attempted to repair it but for me he should never have sold it without it being mechanically checked over.  What do people make of this? What are my options if he won't budge and I need to take it further. I would like a refund rather than another repair as I feel I have been pretty patient so far. At the moment I have a car that isn't safe and I can't afford to take a £1,600 hit in my pocket.   Many thanks,   Mark.  
    • I have threads elsewhere re a repayment plan (6 months) with Barclays Mortgages during a maternity leave. Arrears now paid, trying to re-mortgage but with great difficulty. Not really advised of dire consequences of this decision, trying to get SAR info but no luck with telephone recordings as yet. Complaint handler appear sympathetic but who knows to what extent. Looked at Which website and they mentioned a Goodwill Adjustment letter which I have never heard of. Intention of this thread was to see if anybody had used this to remove bad markers from their credit files.
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
blackrabbit

HSBC_Metropolitan Collection Services_debt that sprung out of nowhere

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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.

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my suggestion ignore the idiots and dont waste money on phone calls or stamps, if they cant provide the info then there is no debt

 

Oops

Edited by PGH7447

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Hi blackrabbit , welcome to the forum :)

 

I think PGH 7447 means if the CAN'T provide the info , - but I'm inclined to agree with him .... ignore it - unless you're worried about ending up on a Credit Rating File somewhere ......

 

Anyway , you probably know that MCS are not a real Debt Collection Agency as such , only HSBC's debt collection department , so they'll probably give up if you ignore them - especially if you're overseas ......

 

But if you do get more hassle feel free to come back and ask - someone will answer and we're a friendly lot on here ! :D


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, 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.

 

Hi blackrabbit, I know it's been a couple of years since your posts but I'm hoping that you see this. i too am being chased MCS and I now live in Sweden. I would like to know what happened to you. Did you ignore MCS and they went away? was the debt passed to someone else and they chased you where you live? Did you repay the debt? thanks, in advance, for your help. KBIS

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