HSBC _ Metropolitan collection services

[Castlebest]

Metro are a wholly owned subsidiary of HSBC in other words its just HSBC's debt collection department.

Like all debt collection companies all they care about is getting money off you and they can be pretty heavy handed doing it. Just keep replying to any letters they send confirming that the debt is in dispute and they should refer the matter back to HSBC.

If they phone you (and they will try this) tell them you don't discuss financial matters over the phone and put all of their questions it in writing, it worth noting they are not allowed to talk to you if you don't answer their security questions so don't answer them

 

The balance of your account (the debt) is in dispute as soon as you ask for your charges back however they could try to argue this point if you haven't started litigation.

 

Have a look at post #213, #314 and #319 on my thread if you want some ideas about what to put in letters.

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/85633-castelbest-ii-return-claims.html

 

good luck

 

pete

[Castlebest]

Hiya spice have they said why they are calling you? I've never known Metro work for any other bank or financial body so unless they are branching out it will be to do with HSBC.

 

If they phone again see if you can get some more detail off them.

 

pete

[Castlebest]

That is a little strange David, are you sure your friend posted the letters?

 

pete

[Castlebest]

castlebest

 

yes, she did. She posted both the post office's recorded delivery receipts...

 

Then contact Royal Mail and find out why the letters wernt delivered/no receipts were issued.

 

pete

[Castlebest]

Hiya Carolyn, write to them, there is absolutely no point in phoning them they will just try to get money out of you and you wont be able to prove anything you or they have said

 

the address is above

 

pete

[Castlebest]

I'm assuming Metro are phoning you, start logging the calls you receive and tell them you are doing this, date, time and the name of the person who is calling you.

 

They shouldn't discuss anything with you until you have answered their security questions so refuse to do this and tell them you don't discuss financial matters over the phone and to write to you instead.

 

Have you spoken to the FOS? told them you are being harassed by Metro?

 

pete

[Castlebest]

I'm a bit rusty on bankruptcy but from memory, once an official receiver has been appointed all creditors must deal with him regarding outstanding debts. This is designed to protect the assets of the person who has gone into insolvency and ensure a fair distribution amongst all of the outstanding creditors.

 

I would be inclined to write to metropolitan in your husbands name stating that you are in no position to discus financial matters with them and refer them to the official receiver for all further correspondence.

 

Confirm you will not respond to any further communication and you will be reporting them to the FSA for their harassment to date and to the police if they continue the harassment.

 

Here's some information on harassment for you;

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html

 

And here's an example of the kind of tone of letter I used with Metro ;

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/125577-metropolitan-collection-services-action.html

 

Keep us posted how your getting on or just shout if you need to know anything else .

 

pete

[Castlebest]

Hiya lloydie and welcome to the HSBC forum

 

Here's the step by step guide on claiming back your charges.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Have a read through it and come back with any questions you have, its a good idea to start your own thread so all of the advice you get is in one place and anyone reading through can see where you are and give the advice you need

 

Good luck

 

pete

[Castlebest]

Just to add to what Johnny has said, if the debt was a loan (I think credit cards fall into this too) and you were under 18 it raises even more questions because "minors" arnt allowed to borrow money.

 

If this is the case however it may answer the question why the debt collectors keep passing it back to HSBC... when they discover how old you were and the contract isnt worth the paper its written on.

 

pete

[Castlebest]

I couldnt have put it better myself Grace we live in a crooked society and the crooks are running it .

 

pete