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HSBC & metropolitan collection


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Hi everyone,

hopefully posting in the correct place, We have just received a letter from Metropolitan collections and they have asked for us to call them to make the full payment of £1,939.05.

 

Have never been in this situation before and haven't a clue where to start

 

We do not have this amount of money and I'm really nervous when talking on the phone so I'm looking for advice on what to next.

Should I send a letter stating how much we can afford to pay? or do I bite the bullet and call them.

Thanks in advance for any advice.

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nope you dont EVER call a fleecing DCA on the phone

 

NEVER talk about your debts to DCA's

 

now

 

do you know what this is about?

 

if not you are on a phishing list and it can be ignored.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Welcome to the site.

DO NOT DEAL BY phone.

Have you any ideas what this relates to ?

If so can you give a little background.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi

Thanks for the quick replies.

We had a joint account with HSBC with a £2000 overdraft and due to illness I was off work last year for six months. We could only afford to put £50 a month into the account.

HSBC cancelled the overdraft in November 2009 and have been calling us ever since and I've tried to explain that we could only afford the £50. We then received a final notice last month and HSBC wont talk to us because it has been past onto Metropolitan.

sorry if it's abit long winded

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Ok you need to keep everything in writing.

 

Both banks and collection agencies are required to follow and uphold codes of practice and guidance when dealing with debtors.This includes offers to repay,and their ability to repay.

Shame that you did not put your offer to HSBC in writing.

 

What made the overdraft go to 2k ?

Have you calculated any charges/interest/added fees ?

 

Were they notified as to your illness at the time ?

 

I think it would be a good idea to look at the unfairness and breaches of their duties of care in their handling of your account.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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We went to our local branch to see if we could sort something out in person in March and were told that option wasn't available in branch and to go home get our facts and figures together and to call at our leisure (his exact words) we did this and called the number he gave us a few days later only to be told the final notice had been issued and they could no longer help us.

The lady at HSBC said she would raise a complaint on our behalf for the mis information given and I was called by the local manager two weeks ago who said that he would try and sort it out for us and would call me back by the Wednesday and have received no call.

My husband works away and so Im left to deal with it all and to be honest I do bury my head in the sand and hope it will go away...

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Have you had bank charges in the last 6 years ?

 

If you have what do they total ?

 

If their are charges write to them stating that in the last 6 years they have lied and deceived you into believing that these charges were a "Fair and reasonable administrative cost" which is clearly stated in their terms and conditions and yet in their court case against OFT they have revealed the true nature of these costs being a subsidy for "free if in credit banking" and that nowhere in your contract does it state that you will be making contributions to such a scheme. tell them that this account is in dispute and will remain in "deadlock" until they give an acceptable explanation for their deception (which they cant do). just keep buying time until the scottish court case comes up in june this will then give us an idea which way things are going.

 

OFT guidelines state that an account in dispute (even if deadlocked should not be followed up)

Edited by rdm2006

HTH (Hope This Helps) RDM2006

 

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