Unfair default from Metropolitan Collection Services - HSBC Overdraft Account

[Dagingerlad]

Hi guys,

 

I was hoping you might be able to shed some light on whether I would have a case for getting this default removed from my credit file.

 

To cut a long story short,

 

 

I managed to go overdrawn on my HSBC account by £88 and was quite slow paying it back due to financial difficulty at the time.

 

 

The money went to Metropolitan (still HSBC as far as i'm aware)

where we agreed that it would be ok for me to pay the full amount into my HSBC account, to clear the debt, on a particular day.

 

 

When this day came around, I went on my Natwest online banking to transfer the £88 into my HSBC account

and assumed everything to be fine.

 

 

The next letter i received from Metropolitan told me that the amount was outstanding

and a default had been added to my account!

 

 

When I went back and checked my Natwest online banking, the £88 had bounced back to me.

There was more than enough money in the account,

the only thing I can think of is that HSBC closed the account

which made it impossible for me to pay on the day that we agreed!

 

I have tried writing to Metropolitan to have this looked into,

and enclosed copies of my bank statement as proof but have not yet had any replies.

 

 

Do you think I would have a case for getting this removed?

 

Thanks in advance.

[SabreSheep]

Metropolitan have changed names. HSBC Repayment services as from 01 December 2014

 

Send a letter to the ceo at the london head office of HSBC marked Formal complaint.

 

Explain what has happened and what you want to happen.

[citizenB]

IMHO, you would do better to make a formal complaint to HSBC via their Head/Registered office - explain the situation to them as you have to us.. throw in a couple of "You have not treated me fairly" sentences and see what they come back with.

 

You need to make sure you head your letter "Formal Complaint".

 

If they do not respond satisfactorily or not at all, then you will need to escalate your complaint to the Financial Ombudsman.

 

Do make sure you obtain at the very least a free proof of posting when you send the letter so you have proof that it has been sent. If you can afford Recorded or Special Delivery, then that is better.

 

They then have 8 weeks to deal with your complaint or provide you with a final response.

[Dagingerlad]

Brilliant,

 

Thank you both. Is it fine to address the letter to 'The Chief Executive Officer', or does anybody know who to directly aim the letter at?

 

Thanks again

[citizenB]

Brilliant,

 

Thank you both. Is it fine to address the letter to 'The Chief Executive Officer', or does anybody know who to directly aim the letter at?

 

Thanks again

 

Absolutely.. I don't know the name of the CEO, hopefully someone will know this and post the information for you.

[citizenB]

http://www.bloomberg.com/news/2014-08-04/hsbc-s-first-half-profit-fall-12-on-investment-bank.html

 

Looks like it might be someone called Stuart Gulliver.

[SabreSheep]

the company secretary works as well as ceo

[fkofilee]

[email protected]

[email protected]

[dx100uk]

how long did it take you to clear it?

6mts?

 

 

is this a marker in the monthly update or a defaulted date in the debt summary line

 

 

dx

 

 

 

 

dx