Jump to content
acy6er

Metropolitan Collection Services Ltd

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4812 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello, all.

 

I had a loan with HSBC which eventually got "taken into collections" and is now with MCS.

 

I'm trying to get back bank and loan charges with HSBC but have heard there is some sort of loan agreement form that I can send off for from MCS.

 

Can someone please tell me where the template is for the letter?

 

Also, the debt was 18,000 originally when MCS took over and added thousands of pounds of costs on :-( I have paid off 9,000 but when I ask how much there is left to pay, they are very vague and say I can "settle for less - perhaps 8,000 or a bit lower".

 

Liz

Share this post


Link to post
Share on other sites

Sorry, just to clarify - I am looking at my last statement from HSBC back in May 2001 and it says the debt was £13,290.08. But when I started paying MCS, it was over £18,000!!!

 

Liz

Share this post


Link to post
Share on other sites

If anyone could reply to this quickly, I'd be really grateful! I've got 2 hours booked on this library PC and I'd really like to print the first letter off to MCS while I'm here.

 

Thank you.

Liz

Share this post


Link to post
Share on other sites

hi there, i think it sounds like you need to get a copy of the origional credit agreement. Im not sure if your too late for this as you have already been paying but others here will be able to help you on that. If you are still able to do so you need to go here and its letter N that you want to send to MCS

 

Good luck!


************************

 

DCA Theats: Jystmystry V's Wescot - I Win (link)

Default Removal: Jystmystry V's NatWest - In Progress (link)

General Debt - Jysmystry v's Optical Express (link)

 

You can run but you'll just die tired

Share this post


Link to post
Share on other sites

OK, I'll be sending off for the credit agreement tomorrow. Does it make any diffence that I've been paying it off for 6 years already?

 

As I've paid 9,000 of the 18,000, could I send one of the letters offering a small final payment? (Especially as I am now unemployed and currently only giving them £20 a month!!)

 

Liz

Share this post


Link to post
Share on other sites

well, lets see what the CCA request does first. If they dont have or cant find the agreement etc then you dont have to pay then anymore (or at least until the agreement turns up) and that would give you a great barganing tools for negotiating any final settlement.

 

If it comes back with the agreement you have lost nothing :)


************************

 

DCA Theats: Jystmystry V's Wescot - I Win (link)

Default Removal: Jystmystry V's NatWest - In Progress (link)

General Debt - Jysmystry v's Optical Express (link)

 

You can run but you'll just die tired

Share this post


Link to post
Share on other sites

MCS are merely HSBC'S in-house debt collectors so I would be curious to know what charges have they been adding to bump up the debt and indeed, how they could possibly justify them?

Share this post


Link to post
Share on other sites

spot on bean

 

We need to know what these extra charges are supposed to be for. It sounds as if these will be reclaimable if they can be pinned down.

 

V

Share this post


Link to post
Share on other sites

It looks from the statement that they added one massive charge on when they took the debt over. On the phone in the past, they have always said that the debt is not having interest added on at all, that it was all put on at the start (?)

 

Liz

Share this post


Link to post
Share on other sites

anyone have contact details for these people?


JKop Vs Barclays SETTLED

JKop Vs Cahoot SETTLED

Jkop V Capital One SETTLED

Jkop V Marbles SETTLED

Jkop V MBNA £422 MCOL

Jkop V Egg SETTLED

Jkop V Cahoot Credit Card SETTLED

Jkop V HSCB £1500 W.I.P!

Share this post


Link to post
Share on other sites

Goodness me! :confused:

Share this post


Link to post
Share on other sites

Hi Acy6er, I have just been reading through your thread, and wondered if you had received any return mail from MCS Ltd yet?, following your CCA request....

Red

Share this post


Link to post
Share on other sites

Anyone else thinking that 14 unsatisfied CCJs should raise flags in the whole "fitness to hold a credit licence" department?


HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

Share this post


Link to post
Share on other sites

Yes meagain, I think that MCS Ltd should not be deemed fit to hold a credit licence, maybe Acy6er needs to complain to the OFT?!

Red

Share this post


Link to post
Share on other sites
Yes meagain, I think that MCS Ltd should not be deemed fit to hold a credit licence, maybe Acy6er needs to complain to the OFT?!

Red

 

See "MCS", read "HSBC". :)


HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

Share this post


Link to post
Share on other sites
See "MCS", read "HSBC". :)

 

Guess that they MCS/HSBC will be able to continue then!! Outrageous.

Share this post


Link to post
Share on other sites

Hello again!

 

Nope, received nothing at all from MCS yet. Is it 12 days, or 12 working days?

 

Liz

Share this post


Link to post
Share on other sites

P.S I didn't understand most of the long post :o

Share this post


Link to post
Share on other sites

So far its been 7 working days or 9 calendar days.

Share this post


Link to post
Share on other sites

Guess what! In my letter asking for the CCA (template from this site), I added ONE LINE about MCS not bothering me by telephone any longer but just contacting me by letter.

 

So who phoned me this evening? MCS !!!!

 

Luckily it was such a silly time (8pm) that I was starting bedtime story number 385986545470 for my sons so couldn't get to the phone.....

 

Liz

Share this post


Link to post
Share on other sites

Hi Liz

Just wanted to to offer you a bit of moral support. I've got a £4k debt from a HSBC loan that's been passed to MCS too. I CCA'd them on 15th March and had heard nothing until today when they've written to me telling me that my £1 per month payment is late!! - I think 'numpties' is the expression my 3 year old daughter would use!

I'll keep an eye on your thread and wish you all the best. - Sarah:grin:

PS Would it be worth sending the 'stop calling me ' letter in the templates library?, just incase they didn't read the line on your other letter.

Share this post


Link to post
Share on other sites

Thanks, Sarah - and all the best with your MCS battle!

 

Yes, think I'll send the anti-telephone letter next....

 

The calls are SO stupid. I've had dozens of them over the years, telling me I "should really think about stepping up my payments". Telling them I'm on Income Support now seems to make no difference.....

 

Liz

Share this post


Link to post
Share on other sites

Still no word from MCS.... tomorrow will be 10 working days for the CCA. I will be sending them the anti-telephoning letter tomorrow!

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...