SabreSheep vs HSBC (Metropolitan Collection Services LTD)

[SabreSheep]

OK history of the debt: Credit card

Taken out: 2005 ish

Original Creditor : HSBC

Current Owner : HSBC

Agent : Metropolitan (HSBC)

Approx Amount : £1200

 

 

Current Status of the debt: £1 minimum payments to Metropolitan.

Account defaulted and terminated 2012/13 after informing them I was on ESA (at the time)

 

Offer made July 2013 40% reduction by Central Debt Recovery Unit.

 

AIM: Evaluate the enforceability of this debt in order to make a reasonable F+F.

 

-------------------

OK I have the SAR info already - Very little in the way of charges. No known PPI

So why did they offer 40% reduction so early?

 

Tomorrow a CCA shall be going to metropolitan. Something smells.

 

Anything people think I should be looking out for? Being 2005 the account was opened I would suspect they have the original agreement required to enforce.

 

So any ideas?

[fkofilee]

Yep pre 2k7 needs the original.

I agree but then again im not completely au fait with DXs view on discounts means dodgy debts.

 

Id agree thought that a CCA action is the best way forward. Then just continue to pay £1 forever

[gregs07]

Cca them first thing in the morninig 12 + 2 days to respond. Chances are they've not the agreement. Best of luck no agreement = = no offers, no payments nothing!

[SabreSheep]

I have added a paragraph to the standard CCA request.

 

I also require you to tell me if you as part of HSBC have retained the original properly executed agreement.

 

 

I should remind you that under FCA, FOS and COBS regulations you are not permitted to mislead or deceive

and any attempt to do so is actionable in the Country Court.

 

 

This also includes methods such as omission and therefore refusing to answer this question would be considered as such.

 

 

You are also obliged to communicate in a fair and clear manner