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Who Owns my debt

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Hello all,

Just a quick post, i defaulted on an HSBC managed loan, i now pay Metropolitan Collection Services. I received a default from HSBC.

Who owns the debt tho? Is my money going to Metropolitan and then onto HSBC or does it stay with Metropolitan.

I ask as i CCA'd HSBC and they are in default, just emailed Payplan to cease payment to Metropolitan, but just had a thought, what if HSBC dont own the debt?

I havent had any contact with metropolitan over the CCA, should i CCA them or if they now own the debt, should i ask them to supply me with something else? Or do i just tell them im not paying anymore until HSBC supply the agreement?

Any help hugely appreciated :)

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The quickest way to find out without going to too much effort would be to sign up for the free trial with Experian. You can have your credit report printed off in less than 5 minutes, as well as a month's free access. Just don't forget to cancel it though!


Credit Reports: Get your Credit Report from Experian UK


Good luck, Dave.

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If in any doubt professional legal advice should be sought.


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