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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 card, which I stupidly did. He rang it through to someone who took my card details and said they would do the same on the 25th of next month. I just cant afford £80 a month. He said had I any other debts which I said I had a loan which I was trying my best to pay. He said it was unfair I was paying them so not to pay them and pay IQOR instead, which I am not going to do. Does he have any rights to come to my house. He has left and I am in tears and so unsettled by this. Can anyone help me as to what to do, as I really dont want him to return again. Thank you
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