Are Metropolitan Collection Services Debt Collectors Legitimate?

Stop Debt Collectors Are Metropolitan Collection Services Debt Collectors Legitimate?

Stop Repeated Phone Calls From Metropolitan Collection Services Debt Collectors

Are you getting constant phone calls from Metropolitan Collection Services Debt Collectors? Having debt collectors call you endlessly is extremely frustrating, especially if you are unable to pay the debt, have already paid it, or are doing your best to resolve the matter.

Thankfully, DoNotPay can help you deal with debt collectors and get them off your back. In addition to Metropolitan Collection Services, we can help you deal with:

Who Is Metropolitan Collection Services and Why Are They Calling Me?

If you are receiving calls from Metropolitan Collection Services it means that a past-due debt has been passed on to collectors. They might be calling you to:

  1. Try to collect a payment
  2. Validate the debt, i.e. check if they have the right person and amount
  3. Harass or intimidate you to get you to pay up

Note that in the UK, debt collectors are technically not allowed to "harass" you. However, they can contact you by letter, phone, text, or email. They will not always play by the rules and although they aren't supposed to pressure you into a decision, they will often try, generally by mentioning court action.

The table below explains things a debt collector is not legally allowed to do.

Collection Agents May Not:
  • Pretend to be bailiffs, who can enforce the debt. They sometimes take advantage of the confusion.
  • Call you at a time you have specifically asked you not to call them, such as when you are at work.
  • Use technical jargon to deliberately confuse you.

They may try to do all of these things. You do have to respond to any communications, or you can potentially end up in court. Also, if it turns out the debt is not yours and you don't contact them, they will continue to pursue it until you do.

Metropolitan Collection Services Contact Details

As it turns out, Metropolitan Collection Services was dissolved on 18 August 2015. The last office address at the time was 56 St. James Road, Edgbaston, Birmingham, B15 1JL.

However, you may be contacted by other debt collectors. Also, sometimes scammers might pretend to be legitimate debt collectors, and using the name of a defunct company is a tactic they might resort to.

Is Metropolitan Collection Services a Scam?

Metropolitan Collection Services was a legitimate debt collection company. However, as it no longer exists, anyone calling and claiming to be them is likely a scammer.

What Happens If I Don't Pay My Debt to Metropolitan Collection Services?

If you continue to ignore letters or phone calls, then the collection service will eventually take you to court. Debt collectors get their money when you pay up, so they are not going to give up and leave you alone. They will also keep reporting you to the credit bureaus. Talking to them is your best action, as you may be able to set up a payment plan, get some or all of your debt written off, or find out that the debt is not yours.

Sometimes debt collectors may have mistaken you for someone else and are contacting you about a debt that actually belongs to somebody with a similar name, somebody who used to live at your address or have your phone number, etc.

You should make sure to respond within two weeks, ideally sooner. If you know the debt is not yours, it is in your interest to respond right away. If you hate talking on the phone, you can typically email the collections agency.

Legally, you are required to respond within two weeks of a default notice, 30 days of a letter of claim (which is the next step), and two weeks if they have sent you a claim pack.

If you don't pay, again, you can end up being taken to court and may have some of your possessions taken to pay the debt. It is always in your interest to respond quickly and try to come up with an arrangement with the collections agency.

How to Get Debt Payment Assistance

Not being able to afford to pay your debt is scary. You do have several options on how to proceed:

  • A Debt Relief Order, which is for somebody who owes less than £30,000, does not own a home and has little spare income. This means your credits need permission to recover your debts and after 12 months your debt is discharged.
  • An Individual Voluntary Arrangement, which is an agreement to pay all or part of your debt in regular payments to an insolvency practitioner. This is basically a payment plan, but one which includes all of your creditors.
  • An Administration order, which comes into play if you owe less than £5,000 and have a court judgment against you. This is also a form of payment plan, in which you pay the court a monthly payment that is passed on to your creditors.

There are always options, but ignoring your debt is not one of them.

Get Debt Help With DoNotPay

If you have been contacted by a debt collector, it can really be scary. You can't tell whether your collector is compliant with the laws, what course of action to take, or whether it's even your debt. DoNotPay can help you navigate this and then send an appropriate letter to the debt collector or file a complaint against them.

Here is how you do it:

  1. Search "debt collection" on DoNotPay.

     

  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

     

  3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.

It's easy and it works!

What Else Can DoNotPay Do?

DoNotPay was originally designed to help you dispute traffic tickets, so it's not surprising that it can now help you with all kinds of annoying problems, such as filing a complaint, getting your credit limit increased, or paying bills.

Count on DoNotPay to handle issues that are tedious or stressful.

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