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    • FINAL UPDATE.  I have not posted as the defence were reading the thread.  An agreement was reached on the day of the hearing.   I am unable to go into detail but for those in this position the forum has been priceless support and advice so thank you all in the site team.   for those going through this, follow the process, ignore intimidating tactics and threats and get to the Judge.  They are very supporting of those self representing.   I note her name has gone from the heading of the thread.  Was this them ?  Thanks again.  
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Metaxo v HSBC


Metaxo
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Hello everyone!

I got a problem (like most of the people with my case probably) with MCS for a while now. They've been sending me letters to wrong address first telling me to repay outstanding balance and contact them first immediately. It has been a while since they came to that address (in other country! however the HSBC was contacting me through my UK address) to the moment I had them in my hands. I didn't know how to sort it out, I'm not very familliar with all this laws and things. I phoned them to tell them to send me a PP card so I can pay it back and that was months ago! Mentime I contacted THEM again asking when will I get my card and I heard "soon".. and obviously that I have to pay something as soon as I get the card before the end of the month. And guess what? I haven't got the card. I changed my address so I told them about this when I was asking for my card they put down the new address and I was waiting for a card again. AND after a while I got letter from Central Debt Recovery Unit (is a trading style of MCS ltd - it says) with the address twisted like if I was a postman I wouldn't be so sure where to send it (containing an current postcode, my name surename, current house number, wrong name of the street, wrong city area and the best thing - wrong country(?).. So it was sent to me 13 of September2009 and I got it today 06 of October 2009. and in the letter "It is imperative that you make a payment of £50.00 within 48hours to avoid further action". No comments. Plus I will say my debt was formed basically by BANK CHARGES (and bouncing back the check) They were charging me even like £25 twice a month + £75 the same month for something. I'm being depressed by what I see and don't know what to do with this... someone please help.

Cheers

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Hi Metaxo , welcome to the forum :)

 

I would say that your first course of action should be to send HSBC a SAR which gets you everything they've got on you , - correspondence , statements , records of telephone calls , - basically anything with your name on it ---- using this link :

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/110--data-protection-act-1998-subject-access-request-

 

 

Make sure you tell them specifically the address they need to send it to, that is important if they are not to be in breach of the data protection act ...

 

From the info you get you'll be able to work out how much they have taken in charges and you can start a counter -claim for refund of these .

This will put your account 'IN DISPUTE', which means they can't chase you for payments until it's sorted .

 

So that you get advice which is relevant to you , I'll ask a MOD to open a new thread for you .... your query and my reply will be transferred to that and you get further advice just by asking then .......

 

Ask anytime you need assistance Metaxo ,someone will answer , and we're user-friendly 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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Thanks saintly 1 :)....

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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Thank you for information JOHNNYMITCH :) I'll read it more properly when I'll be back from university. I'm scared to do anything though but they made my life a hell now and I won't leave it.. hmm I just remind myself a "funny" thing about HSBC when I was talking on the phone about my growing debt (becouse of the charges basically) and was asking them to stop charging me so I can pay my overdraft and do anything else later to prevent it or whatever.. and I heard on the phone: "you shouldn't been making a debt on your account and you wouldn't have a problem". It's not word to word how it sounded like (cause that was ages ago) but the meaning was the same. Imagine my face when I heard that... :Cry: I remember how depressed I was and had no clue what to do to stop it.

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Don't let them get you down ,Metaxo ..... that's what they're doing to try to get customers to pay up these days ....

 

If you know you're right - stand up to them, mate ..... they don't like it :D

 

But try not to let this lapse metaxo , because it will be better when you've a claim at court to hit them with , - your acccount will be in dispute and they can do nothing till it's sorted!

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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I think they got me down already lol :) I know exactly what they do.. Unfortunately I always feel not strong enough to fight with them. HSBC (all the people who knows about banking and law) vs me who knows not much.. However I know something and that's a start I guess.. I'm just worrying too much. Before they've foreward my debt to MCS which was created basically on their charges made also of bouncing a checks.. is that make any difference? I asked them a few times to stop those checks or do whatever to stop those charges (hsbc: yeah whatever). I was trying to sort out my money problem (as I got part-time worker as well which obviously was not enough, I am again part time now). And to be honest if they would stop charging me that much for a while I would sort my bank account quickly. It's only a ghost haunting me everyday, can't stop thinking about what to do and how soon will that end. So, I'm gonna write this first letter to HSBC to send me all what they got on me to see again how much they've been charging me every month. And what should I do next?

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Oh, I was jutst thinking by looking at this letter. Where actually should I send it? Is that the main HSBC address which appears on the envelopes from the HSBC? And should I put this £10 note inside the envelope or somethin? (Sorry for stupid questions... :( I've never dealt with anything like this before. I was worried cuz I thought my english might not be that good, but it's actually not that bad I guess.. :) )

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Hi metaxo :)

 

Here is the address for your S.A.R.

 

UK Data Protection

HSBC Bank plc

Griffin House 2-01

41 Silver Street Head

Sheffield S1 3GG

 

Send it with a Postal Order (or a cheque if you can't get a PO overseas ) so that it's traceable ......... don't enclose cash or they could deny receipt , then you have to start again ...... a time-wasting exercise which they're expert at ..... :rolleyes:

 

They have 40 days to send you all the stuff you need .... don't let them go beyond that, they'll try to time waste ...... but if you're posting from overseas give 'em an extra week ......they shouldn't need any more .

Oh and send it 'recorded delivery' , if you can ......

Edited by johnnymitch

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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:D oh thank you :) u make me feel better now, even tho nothing is sorted yet lol. I live in UK 4 years now so it's allrite. I just changed my address since last time I had a letter from HSBC. I had a letter from MCS to this address but do you think should I attach something else to prove my address? Like, is a letter from my other bank where they say "thank you" for letting them know I changed my address? :D (and they hope I enjoy my new home lol). postal order will do then. Do you think I can attach something else? like copy of my ID or passport? I'll do recorded delivery as well so they won't say "we didn't get any letter from you" :)
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You could give them a list of addresses at which you held accounts with them together with account nos (if more than one ) so they don’t only send bits of what you need .....

I wouldn’t send copies of passports etc , or anything from your other bank , they shouldn’t need that but make sure you point out your current address that you want the SAR sent to .

It's good that you can send a PO and 'recorded delivery' ... that'll stop them messing about a bit ...... :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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Thank you, the most helpful person ever about this :D I shall send them a letter then :) I hope I won't need to wait ages before they send me that. I'm scared to think of it :) Umm.. So HSBC is going to send me that finally. At this point when they will receive my letter (I mean HSBC) will MCS still try to phone me and send me a letters to make me pay or whatever?

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Well done metaxo - if MCS phone or write , just tell them the account is being queried and that you've sent for a SAR.

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 weeks later...

Hello there!

Got a first letter today and I can't believe what are THEY like! They wrote to me that "above debt is still unpaid and will not go away." (do I look stupid?) And that "As recovery methods used in this country have now proved ineffective, we intend to refer your account to a firm of worldwide debt collectors based in Poland who will instruct one of their Officers to call at your home" !! Can they really do that? That's not right! I live in UK since 2005 not in Poland and I want to sort out my things in this country not there! I don't want anyone like that call my previous flat where I don't live anymore or to bother my parents! They are also so "kind" that they "however, offer you one final opportunity to avoid this action. 40% discount available if account settled by 18/10/09" Are they for real?! Why are they doing that... can I possibly have more bad luck in this country? :( What shall I do.. Should I write them that the account is being queried and that you've sent for a Subject Access Request?? Should I write them as well something that I don't live in Poland anymore and I want to sort it out in the UK?

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Try something along the lines of.... :)

 

Thank you for your letter dated XX/XX/XX and I note with interest your comments.

 

The law governing this account and you is the law of England. I am resident in England and I will consider any action taken by you in any other country as unlawful and will take action against you accordingly.

 

You state "As recovery methods used in this country have now proved ineffective, we intend to refer your account to a firm of worldwide debt collectors based in Poland who will instruct one of their Officers to call at your home".

 

Your recovery methods have failed because you and HSBC bank have failed to comply with English law and I suggest you rectify this situation before we reach Her Majesty's Court Service.

 

As previously stated I am resident in the England so any debt collection operative who visits my residence will also be bound by English law no matter what country the originate from and I confirm if any collection agent arrives at my residence the police will be called to remove them.

 

I trust now you will comply with the law of this country and provide the information I have requested.

 

Yours faithfully

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Oh ! nice one pete !:D

 

Sorry metaxo. I missed your post ..... but you're in good hands with pete - that's a great letter .... :)

 

Let's know how you get on with it please ......it'll help others ..

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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Oh..yes, nice one :) Thank you guys, you make me feel much better even tho nothing's solved yet.. Cheers. I've just prepared niiiice letter :) Sending it tomorrow. Hmm.. They make me so confused I'm not even sure who shall I write to. It's not straight to HSBC but MCS, but they don't write to me anymore straight from their registered office in Birmingham but it's a Central Debt Recovery Unit which I believe is like they say 'is a trading style of MCS'. So CDRU is MCS than, right? God, they're spreading..

By the way, what you reckon when are they going to send me stuff (Subject Access)? And where? Do you think they will send it to my address? Or a note to pick it up from a bank?... I hope that fight for my right won't last forever - I just hope I'm going to survive.. mentally.. :/

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By the way, what you reckon when are they going to send me stuff (Subject Access)? And where? Do you think they will send it to my address? Or a note to pick it up from a bank?...

 

If you sent for your SAR on 12 Oct Metaxo .... allow two days for delivery .... then 40 days max .... you should have ALL the stuff delivered to the address you asked for (as I suggested).... by Mon 23 Nov at the latest ..... even if they come back with more waffle, that doesn't change the deadline ....

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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Hello guys,

Some news here. I don't know should I b happy or b affraid :) Well, I think thats good they replied quite quickly. 'Provision of Personal Information'. They've sent me a form where they ask me to write the details of the branch I wish to collect any data supplied under my subject access request. That's nice of them that they ask. Well, they's always a delay :) Gonna send it back as soon as I can.

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Metaxo - you don't have to collect it from the branch ..... they're duty bound to deliver it to the address they have for you ...... -if you don't want to collect it .... tell them so ...... :) . You can play awkward beggars just as well as them . LOL! :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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  • 2 weeks later...

Hello :) They just send me a provision of personal information letter that I can pick it up in the bank I stated. They send me the form to state the branch address twice but I don't have to send the second one back cuz I just received this letter today. So now I just need to go to this bank and tell them they gonna receive it. And then pick it up when they contact me. And then.. don't know yet, probably look at the stuff they gave me and try to think how much they should charge me and how much they did, I guess.

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Oh I just noticed your message johnnymitch :D oh well.. It's quite close so I can just pick it up - SOON I hope. And let the God protect the people in the bank if they will have any issues with me :D lol

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Hi Metaxo :)

I wouldn't wait for them to contact you , .....they could just let it lie and rot in their branch ,,, and they have been known to deny it's existence in a Branch .. which is why I suggested getting home delivery ...

 

So, give them a couple of days , then contact them on a daily basis , logging times and method of contact .....just in case they play silly beggars...... :rolleyes:

 

Once you get the info , come back and we can guide you from there .....

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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I got it! It's massive... tones of paper. I just opened it and look what it looks like. So, they send it to me. In the bank I also heard that that account of mine is closed. What should I do next?

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