Hello all My first time. I have a few questions and hope you can help. Without any notification from HSBC my accounts have been closed and given to MCS. I no longer live in the UK, but now live in America, where do I stand legally? Can they sell the UK debt to an America collection service? I have been in contact with the HSBC about my debts, approx 13K since 2007, I have been using PayPlan since Dec 08, so HSBC knew my situation, but they would not cancel a DD from my current account to my loan, and when this got reversed I was charged. I have requested a refund of this but have not received a reply. How should I proceed? Cheers

Hello all My first time. I have a few questions and hope you can help. Without any notification from HSBC my accounts have been closed and given to MCS. I no longer live in the UK, but now live in America, where do I stand legally? Can they sell the UK debt to an America collection service? I have been in contact with the HSBC about my debts, approx 13K since 2007, I have been using PayPlan since Dec 08, so HSBC knew my situation, but they would not cancel a DD from my current account to my loan, and when this got reversed I was charged. I have requested a refund of this but have not received a reply. How should I proceed? Cheers