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I am not bankrupt,
I am in a Debt Management plan with "PAY PLAN"
Yes I accept I owe the bank a debt , and which I am paying
informal arrangement where they help
Iam no longer with that bank, and my current account was closed with them 4 years ago.
HSBC have passed it on to a debt collector "Metropolitan Collection
I dont have the lettter to hand at the moment re what debt they refer to.
I will now review the letter from HSBC and clarify which debt they refering to and may need to ask another question
thanks again for help.