METROPOLITAN's response to Standard Letter 1.

[faircop]

Further to my previous posts regarding HSBC, they have now passed this on to METROPOLITAN Collection Services Limited. I have sent them Standard Letter 1 and this is their response (see attached). I assume that because they have not addressed the points raised in Standard Letter 1 I continue and send Standard Letter 2 when 10 days is up?

Can they really apply for an "Attachment of Earnings order" and approach my employer to deduct money from my wages? Surely it's up to me if I want to be in debt (which I don't) and has got nothing to do with my employer, that is just like an extra tax (MET Tax).

Any advice will be greatly appreciated.

f.

[polo126]

I would carry on with letter two and three get them in tacit, the rest is down to the fear factor they cannot go for an attachment of earnings before taking you to court, they just want you to shutup and pay, once you get to letter three start to bill them.
Do you have HSBC in tacit if so bill them

[faircop]

I would carry on with letter two and three get them in tacit, the rest is down to the fear factor they cannot go for an attachment of earnings before taking you to court, they just want you to shutup and pay, once you get to letter three start to bill them.
Do you have HSBC in tacit if so bill them

Cheers, just a bit of a sanity check. Yes, I have got HSBC in tacit; bill them for METROPOLITAN's correspondence? or just for any correspondence from HSBC since the 3 letters, as per the charge structure in the 3 letters?

So, court is where it is heading? Is that likely? Obviously, I want to avoid court if I can.

f.

[guardianofwithinaolcom]

If you have HSBC in tacit and they then passed the alleged debt to a third party, then in my book they breached the tacit agreement. The letters state if they pass on the debt to another party then HSBC will be billed for the transgression.

[faircop]

If you have HSBC in tacit and they then passed the alleged debt to a third party, then in my book they breached the tacit agreement. The letters state if they pass on the debt to another party then HSBC will be billed for the transgression.

Nice one, cheers.

f.

[guardianofwithinaolcom]

Also I notice that you have been given a Bank Giro Credit form with the letter you received. I guess You could always fill it out and A4V it sending a covering letter of instructions for the Chief Financial officer of HSBC/Metropolitan Collections to be reimbursed from your STRAWMAN account. After all I have been led to believe that a Bank Giro Credit form is the same as a cheque. I may have this totally wrong as I have not yet gone down the A4V route.
There are a number of threads regarding A4V on this site and also at TPUC.org. I am sure that if any other members are already using the A4V system they will be able to advise you far better than I can. I have only been a member here for just over a year now, So I am pretty much a novice at this.

Please dont just take my word for it, research the subject so you know what you are doing.

Best regards from Dave.

[faircop]

Also I notice that you have been given a Bank Giro Credit form with the letter you received. I guess You could always fill it out and A4V it sending a covering letter of instructions for the Chief Financial officer of HSBC/Metropolitan Collections to be reimbursed from your STRAWMAN account. After all I have been led to believe that a Bank Giro Credit form is the same as a cheque. I may have this totally wrong as I have not yet gone down the A4V route.
There are a number of threads regarding A4V on this site and also at TPUC.org. I am sure that if any other members are already using the A4V system they will be able to advise you far better than I can. I have only been a member here for just over a year now, So I am pretty much a novice at this.

Please dont just take my word for it, research the subject so you know what you are doing.

Best regards from Dave.

Awesome! I will definitely research that. Thank you very much indeed.

f.

[redmakka]

From something I have seen, I believe its against the law for a debt collector to let your business known to others, even family. Its like breaking the data protection. They are trying to scare you.

[polo126]

Bill HSBC, carry on with letters to metropolitan if they do pass your details to others you can take them to task for braking data protection rules and harrassment.

[faircop]

Thank you redmakka and polo126. Your advice is greatly appreciated.

f.