Haha I like it. As their deadline is tomorrow and I cant get a hold of the letter today that they sent to me stating it has been passed back (not lost just at my girlfriends) should I phone them up stating the reason and I will send proof asap ? Thanks again

If anyone can help me again that would be a godsend lol After sending the letter above to iQOR I received a letter stating iQOR are offering a substantial reduction on the debt but only available for 72 hours, the next day I received another letter from iQOR stating they are passing the debt back to the Original DCA (Halifax). Today I have came back after being away for a week to a letter from Incasso which is below: RE: Halifax PLC We have been contacted by iQOR Recovery Services Ltd in relation to monies owed to Halifax PLC for the sum of £ x.xx Unless iQor Recovery Services Ltd receive payment within 10days from the data of this letter, or you contact them with your reasons for withholding payment on telephone number 0845 146 0181 or at: iQor House 33/34 Winckley Square Preston PR1 3EL It is likely that we will be instructed to pursue legal action against you. Should we be instructed, we will take whatever action we feel is necessary to protect our client's interest. Any legal action will include a claim for additional legal costs and interest that may accrue. Yours sincerely Incasso Solicitors I have until tomorrow to respond and don’t know where I stand? Should I phone up iQOR (the number stated in the letter from incasso is not the number iQOR have provided) Thank you for your time

I have only recently found this site I can cancel the claim with the claims company and contine to claim myself? Also due to the fact my account is £91.65 over the overdraft (due to intrest). I have brought the account into the arranged overdraft a few times but it keeps going over due to intrest. I never use this account. Would it be best for me to phone Halifax and try to come to an agreed amount to keep the overdraft in the black if possible? I think its stupid how I am having to pay intrest on an account that I have a claim to reclaim bank charges. Again thanks for any help

PGH, Thank you so much, I was worried about this but after reading your very quick response I feel much better. Thanks,

Hi every I am wondering if anyone would be willing and kind enough to help me out. I have taken out a £1500 overdraft with Halifax (years ago) which I have put a claim in to recover bank charges (over £1000) with AdvantageClaims this was about 3 months ago. Today I have received a leter from iQOR stating that Halifax has passed on my debt to this company. I have not yet contacted Halifax or iQOR about the debt and would appreaciate any advice as I am completely stuck as to what to do. Also can Halifax sell on my debt even tho it is currently in dispute to claim back bank charges This is the letter iQOR have sent me. http://i770.photobucket.com/albums/xx341/2brian043/10082009079.jpg Thanks,