Mcs demand from beyond the grave

[Barbarawoo]

Hi there,

Basicly I ran a credit card debt up and was pursued by a company called CapQuest, balance was £3617 and I agreed a setlement figure of £2500, saving £617.

 

The above account was settled and closed in July last year but back in June this year I recieved a demand from Mcs for £617, I rang them and told them it had been settled but all they would say is they have no other info other than that i owe HSBS this amount.

 

Rang HSBC but they were usless, had no info to provide and just deal with Mcs, went round in circles.

 

Wrote to Mcs and explained that it had all been settled with CapQuest in July 08 but only response I got was a letter saying they were going to pass it over to DG solicitors and claim against my house.

 

Sent anotther letter putting monies owed in dispute along with request for CCA and breakdown of debt owed with postal order for good measure.

 

I contacted CapQuest and they sent me a letter of satisfaction, debt settled and account closed, all be it dated July this year, said letter is winging it's way to Mcs by recordered delivery.

 

Just wondered if there are any thoughts as to why I would have had no corrispondance for almost a year from HSBC and now this?

 

Thank you for a great site, has been most helpfull in my communication with Mcs.

 

Cheers...

[johnnymitch]

Hi barbarawoo , welcome (back?) to the forum

 

If you have incontestible proof that this was settled , let MCS do their worst . They are only a collection branch of HSBC , not a proper DCA - and all this huffing and puffing about claims against your house is designed to scare you into coughing up money which you do not owe. They can't put a claim on your house without going to court , and they won't go there - because they'd lose big -time .....

 

If they persist after you have your latest submission , report them to the Financial Ombudsman for harassment and unfair practice .

 

Come back if you need more info ,or if they're still playing silly beggars and we can put together a letter for you to wipe the floor with them................

[johnnymitch]

Incidentally , DG solicitors only work for HSBC , like MCS - they are in-house and pretty pathetic IMHO .

[Castlebest]

Metro and DG work out of the same office block in Edgebaston, Birmingham. I would be supprised if there was any more than a flimsy office partition between these two "companies"... if that .

 

If Capquest have confirmed your agreement then you have nothing to worry about from the bully boy tactics od Metro, they arnt very good at it anyway lol

 

pete

[Barbarawoo]

Thank you both for your prompt replies, I feel more secure in this situation now.

 

I will of course update you as things progress.

[havinastella]

Hi Barb,

 

I think what may have happened here is you have fallen into the trap.

 

I bet the offer from Capquest was in PARTIAL settlement.

 

They have had the meat from the bone and have thrown the bone to the dogs.

 

Shame you paid these parasites anything.

 

Would there be any unfair charges you could reclaim on the account?

 

Jogs

[Barbarawoo]

Hi,

full wording on the letter from CapQust is as follows...

 

Dear Barbaraxxxxx

Account Number: xxxxxxxx

Balance: £0.00

 

We thank you for your payment.

 

I can confirm that your account is now settled and closed. As the amnount paid to settle your account was less than the full oustanding balance, your credit file will show your balance as satisfied with a special flag of partial settlement.

 

Yours sincerley

 

Does this alter things? and thanks for taking the time to reply...

[Barbarawoo]

sorry should have said, lots of charges allocated at the time the account was overdue/outstanding..

[havinastella]

Yes, it makes a huge difference.

 

The account is settled for Capquest, as I said, they have had more than enough from you. They have probably returned the rest of the account.

 

If you have charges on the account, I cannot urge you enough to reclaim them. It's simple and very rewarding

 

Jogs

[Barbarawoo]

Well lets hope MCS accept the letter of satisfaction, maybe they will be too busy with so many peeps from this forum tying them up in knots

 

Account with HSBC no longer active, can I still claim?

 

I will be sending the following to them along with a £10 postal order:

 

[iNSERT TODAY’S DATE]

[iNSERT YOUR HOME ADDRESS]

[iNSERT THE NAME OF YOUR CREDIT CARD COMPANY]

[iNSERT THE ADDRESS OF CREDIT CARD COMPANY]

Re: Account number [iNSERT YOUR CREDIT CARD ACCOUNT NUMBER]

Dear Sir/Madam,

I request that [iNSERT THE NAME OF YOUR CREDIT CARD COMPANY] provides me with details of all default charges - arising from exceeding my credit limit, not paying on time, or not honouring a payment - I have paid in the last six years.

I understand that [iNSERT THE NAME OF YOUR CREDIT CARD COMPANY] is obliged to provide this information under the Data Protection Act 1998.

I look forward to hearing from you within 40 days.

Yours faithfully

[sIGN YOUR NAME]

[TYPE YOUR NAME]

 

This ok?

 

Many thanks....

[Barbarawoo]

Came across this for a little light relief

 

Clean Comedy from Tim Clue - Debt - Video

[johnnymitch]

Account with HSBC no longer active, can I still claim?

 

Yes , no problem barbarawoo....... if there are unlawful charges on it , start getting the ball rolling to claim them back .....

 

I take it we're talking about the Credit Card Account here ?- if so , that's not affected by the OFT Test case so just carry on and best of luck .........

 

And of course , if you're in doubt about how to proceed - you know where to come and ask ..... lol

 

BTW - I liked that light relief link ....... a good laugh!

 

 

Just amended one word JM ;-) I'm sure you meant to say unlawful ;-)

You're right saintly - I did ..... thanks . ;-)

Edited August 11, 2009 by johnnymitch

[Old Cogger]

Came across this for a little light relief

 

Clean Comedy from Tim Clue - Debt - Video

 

 

Certainly cheered my Morning up - BRILLIANT:lol::lol::lol::lol::lol::razz::razz::razz:

[Barbarawoo]

Hi everyone, hope your all well.

 

Update of my case/problem?

 

Recieved a letter from MCS dated 4th August, delivered 7th August and reads as follows:

 

Dear MS you owe us money please paye up,

Thank you for your recent correspndence, dated 23rd July 2009, the contents of which have been noted.

 

Please be advised that matters will be held in abeyance pending our receipt of the satisfaction notice from Capquest. Once we have recieved this, we will refer back to our client.

 

We trust this clarifies matter.

 

Yours sincerely,

 

Signiture unreadable

 

No mention of my request for the copy of CCA?

 

No mention of my request for the following:

A validation of debt with complete breakdown of what is claimed to be outstanding

An assignment of debt letter authorising you to pursue the disputed monies

My letter was dated to them on the 23rd July, they recieved it on 27th July, Monday after the weekend it was sent from Friday.

Whats next? what date do they have til to respond to my CCA request?

As an aside, my husband told me this joke:

A sheikn has 3 sons, on the eldest sons 14th birthday he asked him what he wanted, the boy says a car set, so the sheikn buys him Jaguar motors.

The next son reaches age 14 and the sheikn asks him what he wants, the boy says, I want a train set so the father buys him Great Northern Railways.

The 3rd son reaches 14 and the sheikn asks what he wants, the boy says a cowboy outfit, so the sheikn buys him Metropolitan Collection Services

[Barbarawoo]

Would I be correct in saying that the request for my CCA should be officialy with me by Thursday 13th august, as it was dellivered to them on Monday 27th July?

 

Thank you

[johnnymitch]

Certainly should be by then barbarawoo - they've got 12+2 days to produce before they're in default......

 

btw , I liked the joke ....

[Barbarawoo]

Hi all,

not recieved anything else from MCS since their last letter as posted, nothing regarding my request for the following:

 

Copy of CCA, £1.00 postal order enclosed

 

A validation of debt with complete breakdown of what is claimed to be outstanding

 

An assignment of debt letter authorising you to pursue the disputed monies

 

I am in the process of drafting my next letter to them and will post before sending via Recorded Delivery for any sugestions.

 

My husband has found the following the following sound/video and thought this might be useful to hear, it basicly brings everything together that is posted on this site, slightly humourous but does contain some swearing.

 

Please delete if you feel it is not appropiate.

 

http://www.youtube.com/watch?v=LBUfVaTPGrI&feature=related Part 1

 

http://www.youtube.com/watch?v=nZc8AXzz4gA&feature=related Part 2

 

http://www.youtube.com/watch?v=EtWwvqnN7QM&feature=related Part 3