Metropolitan Collection Services

Received a letter or call from Metropolitan Collection Services? This guide explains who they are, why they’re contacting you, your legal rights, and what to do next.

Who Are Metropolitan Collection Services?

Metropolitan Collection Services (MCS) is a UK debt collection agency based in London. They collect debts on behalf of other companies, acting as agents for the original creditor.

They may contact you because:

• A company has hired them to collect a debt
• Your account has been passed to them for collection

FCA Registration: Authorised and regulated by the Financial Conduct Authority.

Contact Details

Metropolitan Collection Services

69 Wilson Street London EC2A 2BB

Telephone: 020 7324 9500

Your Legal Rights

MCS Must:

• Tell you who the original creditor is
• Provide proof of the debt if requested
• Treat you fairly under FCA regulations
• Accept reasonable payment offers

They Cannot:

• Harass you with excessive calls
• Contact you at unreasonable times
• Discuss your debt with others
• Pretend to be bailiffs

How to Respond

1. Don’t ignore it - could lead to CCJs
2. Verify the debt - request proof in writing
3. Check if statute barred - 6 years with no payments
4. Respond based on your situation

Can MCS Send Bailiffs?

No. They are debt collectors, not bailiffs. Cannot enter your property without a court judgment.

Struggling With Multiple Debts?

Individual Voluntary Arrangement (IVA) - Write off up to 70% of debt. Check if you qualify.

Debt Relief Order - For low income situations.

Take control of your debt. Use our free IVA calculator.