HSBC - Quick of the mark to pass on account

momo1975

Hi,

I have had an account with HSBC and this account was never used but interest was applied due to the bank charges which i was claiming back and waiting for the test case.

More or less around the time the banks 'won' the account was passed onto Metroppolitan Collection Services (are these actually a trading name of HSBC?)

I think it stinks that a bank could do this, at the same time they clsoe the account was i was making a token payment of £1.00 per month while the test case was going thru and they knew this.

HSBC also wrote to me on the 18th Nov in reply to my letter dated the 10th Nov advising that they will investigate and get back to me, however the letters from Metropolitan were dated 20th and 25th Nov.

I just dont know what to do now.....

I guess Barclays who i also have a claim in with will do the same?

natweststaffmember

Patience is what is required at the moment.

Charlie94

HSBS did exactly the same thing to me. I was keeping my account open so I could claim back my overdraft charges.

Strangely enough I recieved a letter from Wescott credit services to pay off my remaining overdraft as my account had been closed just under a week before the supreme court decision.

I am sure the banks knew what decision the court had come to some time before the official announcement. By closing your account they are trying to put an end to your claim for overdraft fees.

Iam now going to write to HSBS asking them to put my complaint on hold as it seems the overdraft fees issue has not run its course yet.

momo1975

how can i have patience when they are threatening to recover the money i the courts?!

natweststaffmember wrote: »

Patience is what is required at the moment.

mesotrons

momo1975 wrote: »

Hi,

I have had an account with HSBC and this account was never used but interest was applied due to the bank charges which i was claiming back and waiting for the test case.

More or less around the time the banks 'won' the account was passed onto Metroppolitan Collection Services (are these actually a trading name of HSBC?)

I think it stinks that a bank could do this, at the same time they clsoe the account was i was making a token payment of £1.00 per month while the test case was going thru and they knew this.

HSBC also wrote to me on the 18th Nov in reply to my letter dated the 10th Nov advising that they will investigate and get back to me, however the letters from Metropolitan were dated 20th and 25th Nov.

I just dont know what to do now.....

I guess Barclays who i also have a claim in with will do the same?

Yes Metropolitan Collection Services are actually owned by HSBC. It's just that they don't want to have the HSBC brand associated with the bully-boy tactics they can use through using another name. Not exactly the most ethical of companies....:rolleyes:

natweststaffmember

momo1975 wrote: »

how can i have patience when they are threatening to recover the money i the courts?!

If they do then you will have a defence plus you will have to acknowledge the claim which gives you 14 days and there is further time to file a defence by which time, the OFT will have commented on the Supreme Court judgement and hopefully a new strategy for reclaiming will be done. So yes, patience is still required.

brussellsprout_2

Momo1975! They have done the same thing to me, HSBC closed the account as overdraft left on there for £1022, it was on hold and I didnt pay a thing as they owed me £1780 in charges. Account was closed by them passed to Metropolitan collection services way before last weeks supreme court hearing. They are threatening to take me to court with another £193 charges added on. Really dont know what to do as if the claim was on hold haven't HSBC breached the FSA waiver?

sarahc266

HSBC also transferred my debt to this metroploitan company, i thought i was just HSBC based company. i had a claim in which they said was on hold, so how can they transfer my account, all but £30 is bank charges and so i dont wanna pay it back as i dont think they should of charged me, i spent hours on the fone to their foreign call centre trying to get them to understand my situation, i even had a verbal repayment agreement, but supposidly i didnt owe enough so there was no arrangement that i could be put on and so any verbal agreement was aload of rubbish. i took all fone numbers off the account but using internet banking access to remove them, as i was fed up of the multiply daily phone calls, sometimes they would get into my account and then just hang up as i had already dealt with them earlier that day.
Is it legal that they collection company is part of HSBC?

momo1975

Metropolitan collection Services
56 St James Road
Edgbaston
Birmingham
B15 1JL


Ref: My bank account

Thank you for your recent letters.

I am surprised that the parent company HSBC has passed this onto the debt collection side of the business who trades as Metropolitan Collection Services.

I had a claim with HSBC with regards to unfair bank charges, and the consequent interest that was applied to this account through these unfair bank charges and we were BOTH waiting for the outcome of the test case.

Prior to the judgement it seems that HSBC closed y account despite me stating that until the test case outcome I will pay £1 per month and did this for 2-3 months.

Only on the 18th November I was sent a letter and received a few days later from Sarah Moore @ your Salford office to say that she was looking into matters I raised and I would get back to me.

On the 20th the Metropolitan side of HSBC sent me demand letter! How is this?

On the 25th you sent a letter saying that I had ignored the previous (which actually arrived after the 2nd letter the first week of December 2009.

I have also received a letter from my bank (High Street bank) to say that my £1.00 had been returned. The account was closed (dated 16th Nov) dated 4 days BEFORE the letter from Sarah Moore.

There seems to be come bad communication between the main part of HSBC and the collection side of the business, also the lack of checking of facts by Sarah Moore before sending out such letters.

I am enclosing copies of these letters.

While I appreciate that on the side the OFT fought the case they lost there was a hint from the Judge that the OFT could fight on another matter “he said this didn't stop people challenging unfairness 'on other grounds', specifically clause 5 of the same regulations”

As a result of this I will be forwarding a letter in due course on these grounds and until such a time this is finally heard I a court you will maybe had to put this on hold.

I am more than prepared as a token gesture to pay £1.00 per month.

However if you wish to advise me of a REASONABLE and SENSIBLE settlement figure I will also take this into account.

When doing this I would ask that you look back at the original date I submitted the case of unfair charges, what the charges were and what the balance of my account was THEN and not now. The balance has increased due to the charges you have applied in interest.

I also think it is quite disgusting that the UK Government has had to hand out Billions to the UK banks to bail you out only for you to go and do this to your customers. You also continue to pay yourselves salaries that do not justify. It is sickening. There has been talk that people boycott and target a bank to move to another bank, how would that effect the UK arm of HSBC?

I await your sensible reply and please no standardized letters.

Yours Sincerely


Momo1975

CC Stephen Green CEO HSBC Tower, 8 Canada Square, London E14
Sarah Moore, HSBC, PO BOX449, Salford, M5 4WQ

natweststaffmember

momo1975 wrote: »

Metropolitan collection Services
56 St James Road
Edgbaston
Birmingham
B15 1JL


Ref: My bank account

Thank you for your recent letters.

I am surprised that the parent company HSBC has passed this onto the debt collection side of the business who trades as Metropolitan Collection Services.

I had a claim with HSBC with regards to unfair bank charges, and the consequent interest that was applied to this account through these unfair bank charges and we were BOTH waiting for the outcome of the test case.

Prior to the judgement it seems that HSBC closed y account despite me stating that until the test case outcome I will pay £1 per month and did this for 2-3 months.

Only on the 18th November I was sent a letter and received a few days later from Sarah Moore @ your Salford office to say that she was looking into matters I raised and I would get back to me.
us the word AT and not @
On the 20th the Metropolitan side of HSBC sent me demand letter! How is this?

On the 25th you sent a letter saying that I had ignored the previous (which actually arrived after the 2nd letter the first week of December 2009.

I have also received a letter from my bank (High Street bank) to say that my £1.00 had been returned. The account was closed (dated 16th Nov) dated 4 days BEFORE the letter from Sarah Moore.

There seems to be come bad communication between the main part of HSBC and the collection side of the business, also the lack of checking of facts by Sarah Moore before sending out such letters.
I would use the word breakdown of communication.
I am enclosing copies of these letters.

While I appreciate that on the side the OFT fought the case they lost there was a hint from the Judge that the OFT could fight on another matter “he said this didn't stop people challenging unfairness 'on other grounds', specifically clause 5 of the same regulations”

As a result of this I will be forwarding a letter in due course on these grounds and until such a time this is finally heard I a court you will maybe had to put this on hold.
Maybe use the word, cease collection activity
I am more than prepared as a token gesture to pay £1.00 per month.

However if you wish to advise me of a REASONABLE and SENSIBLE settlement figure I will also take this into account.
If you are disputing the debt why ask Metropolitan for this?
When doing this I would ask that you look back at the original date I submitted the case of unfair charges, what the charges were and what the balance of my account was THEN and not now. The balance has increased due to the charges you have applied in interest.

I also think it is quite disgusting that the UK Government has had to hand out Billions to the UK banks to bail you out only for you to go and do this to your customers. You also continue to pay yourselves salaries that do not justify. It is sickening. There has been talk that people boycott and target a bank to move to another bank, how would that effect the UK arm of HSBC?
The above paragraph is completely irrelevant since it is nothing to do with your case specifically or the reason why you are writing to them.
I await your sensible reply and please no standardized letters.
I would have ended the letter with "i look forward to your confirmation that you have ceased collection activity until this dispute is resolved.
Yours Sincerely


Momo1975

CC Stephen Green CEO HSBC Tower, 8 Canada Square, London E14
Sarah Moore, HSBC, PO BOX449, Salford, M5 4WQ

See comments

momo1975

natweststaffmember wrote: »

See comments

thanks for that I'll re edit and send '=)