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  1. This is my first visit to this site. Please could I have some help. I have a debt to M&S which has been passed to IQOR - admittedly I have ignored the letters. I have a 10 week old baby and am currently off on maternity leave and finding things hard to cope with even more so since my money has dropped again this month. IQOR banged on the door this morning and frightened the living daylights out of me. He was fairly pleasant but insisted that even though I could scrape perhaps £40 a month together that wasnt enough and insisted on £80. He then asked me to pay by ca
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