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  • #1

    HSBC - unfair handling

    Basically, my mothers HSBC account has been sold to Metropolitan collection services.

    bit of history.

    Had an arrangement to pay £10 per month, i wrote to them after 6 months offering to increase to £50 per month, received a default notice inbetween increasing the offer.

    They replied to my letter stating they needed a signature (i know!)

    So replied with original letter but included a digital signature.

    received a letter today (28th march) dated 22nd march saying that as the default had not been corrected the account has been passed to a debt collection agency called Metropolitan collection services.

    Are they an in-house DCA?

    Im guessing handling of collection has not been passed in absolute as i have nothing to say its a NoA.

    Can they still use ROSO?

    EDIT: just done some research, they are an in-house agency, but according to others, seem to be quite fair in accepting low payments, so perhaps i will wait this one out.

    I do want to try UE but my mother is not in a position currently to stop using HSBC hense the ROSO comment.

    If and when i receive a NOA i will go down the UE route.
    Last edited by SXGuy; 28 March 2012, 10:32.
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.
    Tags: 2nd, account, agency, arrangement, arrangement to pay, bank, card, cca, cca request, collection, credit, credit card, data, dca, debt, debt collection, debt collection agency, default, default notice, defaulted, digital signature, dpa, friday, game, hsbc, in-house, increase, letter, pay, payments, roso, services, share, signature, stop, unfair, £50
  • #2
    Re: HSBC - unfair handling

    Metropolitan is HSBC! In the same building as collection (Leicester).....

    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

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    • #3
      Re: HSBC - unfair handling

      Metropolitan collection services. are part of HSBC..
      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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      • #4
        Re: HSBC - unfair handling

        thanks guys, yeah i just did some research and noticed.

        I will play the long game with these i think as my mothers not in a position to avoid using HSBC but we will keep the account below £500 incase of ROSO.

        Soon as she gets a NoA in absolute ill go down the UE route.
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • #5
          Re: HSBC - unfair handling

          Originally posted by SXGuy View Post
          Soon as she gets a NoA in absolute ill go down the UE route.
          ermmm? What are you talking about?

          Confused.com
          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

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          • #6
            Re: HSBC - unfair handling

            Originally posted by SXGuy View Post

            Soon as she gets a NoA in absolute ill go down the UE route.
            You won't get a NoA if your still paying !!!!
            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

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            • #7
              Re: HSBC - unfair handling

              Originally posted by in 2 deep View Post
              You won't get a NoA if your still paying !!!!
              I don't understand what the difference makes - NoA or no NoA - ermmm?

              Ok, whatever!
              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

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              • #8
                Re: HSBC - unfair handling

                Question time...

                1. Type of account
                2. Balance of account
                3. Default date
                4. Date you received the DN
                5. Have you missed payments
                6. What makes you think they'll utilise RoSO if you're paying into it

                Basically, I suggest you just carry on paying what you previously paid and thus things will carry on as before. The DN is normal based on the fact the account was not run as per the agreement, so the default will remain.

                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

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                • #9
                  Re: HSBC - unfair handling

                  Mate, after i posted, i went away and thought about this one, and realise im being an idiot.

                  Your right NoA means nothing, i may as well go for it with this one anyway regardless.

                  I think maybe some of the dates mentioned previously with this were incorrect and ive gone away and checked each letter now.

                  The credit card is over 30 years old from the days of Midland bank probably.


                  1. Type of account: HSBC Credit Card (gold i think)
                  2. Balance of account: 10k
                  3. Default date: around 19th January 2012
                  4. Date you received the DN: around 20th January 2012 (received 2 final demands after, 20th feb 28th feb)
                  5. Have you missed payments: No
                  6. What makes you think they'll utilise RoSO if you're paying into it: Cos of ignorance on my part to be honest, i thought if the amount being paid was less than min they could use RoSO once defaulted.


                  Originally posted by Never-In-Doubt View Post
                  Basically, I suggest you just carry on paying what you previously paid and thus things will carry on as before. The DN is normal based on the fact the account was not run as per the agreement, so the default will remain.

                  Im actually thinking i should do a CCA Request anyway now lol

                  <---- confuses himself sometimes.
                  Last edited by SXGuy; 28 March 2012, 15:45.
                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                  • #10
                    Re: HSBC - unfair handling

                    Hiya

                    Now you've told me what the account etc is I will revoke my last post and say stop paying and CCA them - BUT make sure there is a parachute account first as they will try RoSO on a £10k balance......

                    Thing is this will 100% be UE ONLY if it was taken after 1974!
                    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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                    • #11
                      Re: HSBC - unfair handling

                      It will Def be after 1974.

                      Ill make sure she has another account with another bank set up and sorted. in the meantime ill do a CCA request.

                      Cheers mate!
                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                      • #12
                        Re: HSBC - unfair handling

                        Originally posted by SXGuy View Post
                        It will Def be after 1974.

                        Ill make sure she has another account with another bank set up and sorted. in the meantime ill do a CCA request.

                        Cheers mate!
                        Nice one - if she holds a high balance maybe consider getting the new account BEFORE you CCA as this will ring alarm bells mate.

                        Oh before I forget, there should be no record of this on her credit file either as old midland agreements were verbally agreed with the manager where you signed a simple "request form" which did not contain any PT's and best of all it never authorised the bank to share data (it was pre DPA as well remember).....

                        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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                        • #13
                          Re: HSBC - unfair handling

                          Originally posted by Never-In-Doubt View Post
                          Nice one - if she holds a high balance maybe consider getting the new account BEFORE you CCA as this will ring alarm bells mate.

                          Oh before I forget, there should be no record of this on her credit file either as old midland agreements were verbally agreed with the manager where you signed a simple "request form" which did not contain any PT's and best of all it never authorised the bank to share data (it was pre DPA as well remember).....

                          Nice one! were taking a trip down town friday to sort out a new account somewhere so ill hold off the CCA request until thats all done.
                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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