Tweet
Hi all,
New here. I have a lot of debt (PDLs, credit cards, catalogues, and an overdraft), and am trying to deal with it.
First post is about my HSBC Credit Card, which was opened during or before March 2006 (my first transaction is 31st March 06).
This was a student card, and as a poor and unreliable student I conducted the account badly. There are £100s worth of £12 fees, and I've sent an SAR to HSBC to get a full list.
While I wait for their response, I'm trying to keep their in-house DCA, Metropolitan Collection Services, at bay, and also exploring UE as a backup plan.
I would also like to note that I'm suspected of having Aspergers, and suffer from long-term mental health problems. HSBC/MCS/DG Solicitors are aware of this.
A quick timeline of events:
This is the response I received from MCS:
A few notes on what they've sent me:
Appendix 1: Current Terms and Conditions
Just a printout of terms and conditions. No information to suggest this applies to me. No APR.
Appendix 2: Notice of Variation to Terms
A printout of updated terms and conditions. Has tables detailing APRs, etc, but these are all listed as (on your agreement) - no actual numbers are given. No information to suggest this applies to me.
Appendix 3: Copy of Historic Terms and Conditions
Yet another printout. No information to suggest this applies to me. No APR.
Appendix 4: Credit Card Agreement Form
Has HSBC
's address.
MCS or HSBC have hand-written my previous address and DOB into this agreement. I was at a different address when I opened this credit card account in 2005/2006.
APR is blank.
Has a signature box which is left blank.
Appendix 5: Two recent statements
Shows correct personal details and correct APR (22.9%). However, my APR was increased in February 2011 from 18.9% but they sent no record of this.
--
How do you advise I proceed from here?
Cheers
New here. I have a lot of debt (PDLs, credit cards, catalogues, and an overdraft), and am trying to deal with it.
First post is about my HSBC Credit Card, which was opened during or before March 2006 (my first transaction is 31st March 06).
This was a student card, and as a poor and unreliable student I conducted the account badly. There are £100s worth of £12 fees, and I've sent an SAR to HSBC to get a full list.
While I wait for their response, I'm trying to keep their in-house DCA, Metropolitan Collection Services, at bay, and also exploring UE as a backup plan.
I would also like to note that I'm suspected of having Aspergers, and suffer from long-term mental health problems. HSBC/MCS/DG Solicitors are aware of this.
A quick timeline of events:
- 13 November 2012: Default notice from HSBC
- 7 May 2013: I send a CCA request to MCS
- 9 May: MCS sign for the CCA request
- 31 May: I sent an account in dispute letter to MCS as they have not complied with my CCA request
- 12 June: MCS send me a 'final demand' despite this breaking OFT collection guidelines regarding taking action on disputed accounts
- 13 June: MCS respond to my CCA request
This is the response I received from MCS:
A few notes on what they've sent me:
Appendix 1: Current Terms and Conditions
Just a printout of terms and conditions. No information to suggest this applies to me. No APR.
Appendix 2: Notice of Variation to Terms
A printout of updated terms and conditions. Has tables detailing APRs, etc, but these are all listed as (on your agreement) - no actual numbers are given. No information to suggest this applies to me.
Appendix 3: Copy of Historic Terms and Conditions
Yet another printout. No information to suggest this applies to me. No APR.
Appendix 4: Credit Card Agreement Form
Has HSBC
's address.MCS or HSBC have hand-written my previous address and DOB into this agreement. I was at a different address when I opened this credit card account in 2005/2006.
APR is blank.
Has a signature
box which is left blank.Appendix 5: Two recent statements
Shows correct personal details and correct APR (22.9%). However, my APR was increased in February 2011 from 18.9% but they sent no record of this.
--
How do you advise I proceed from here?
Cheers
Comment