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  1. Today I received another letter from Iqor regarding a sainsburys visa card I do not and have never held. Supposedly issued by Bank of Scotland, contact was made with the bank in writing complaining about wrong info given to Iqor. Bank admitted they had made a mistake and Iqor were told of the error and would not contact me again. Bank also paid compensation for the error. Seems Iqor are totally stupid, can't read or understand instructions from clients as they are still contacting me. Very stern letter now en-route to Iqor and copy to Trading standards and FOS. Any further advice I can follow, Your comments would be appreciated.
  2. Hi Everyone, I'm posting this again as I was concerned that it wouldn't be easily noticed tucked behind another thread. I found this forum a couple of weeks ago when I Googled Allied International after they had left me a voicemail asking me to call them. I also received a WARNING card from them informing me that they are acting on behalf of their client LTSB and I should contact them urgently. I had a Goldfish loan which I paid for four years without any problems until I started having difficulties back in Dec 07. I contacted LTSB and asked if I could reduce my payments to £150 a month and they agreed. I continued to make regular payments until I became unemployed in May. I informed them of my situation and asked them if I could make a minimum payment of £2 but they refused and sent the debt to their own debt collection department. I made the £2 payments regardless. However, last month those payments were returned to my bank. The debt was £3,000 in May. I sent a CCA request to Allied International on 10th Oct. I received a phone call last week and I told them I will not discuss anything on the phone. This morning I got another call and again I told them to correspond in writing. They claim they have responded to my CCA request and I should have received it by now. Then he said his work is done and hung up. I took this as a subtle threat that they are about to do something. Could someone advise me what I should do next? Should I just wait for the 30 days to expire and send the 30 day letter? Many thanks.
  3. Hi everyone, Long story. I sold a mobile phone 4 months ago on ebay, i sent it recorded post as i know how easy it is for paypal to take money from you. I checked it was delivered fine as i was leaving to live overseas for a few months, and it was delivered fine. I came back today from overseas, to a debt collection letter from the company Iqor, stating i owe £137 to paypal and they will take me to court. I have logged into my paypal account and see the buyer of the phone opened a claim as he didn't receive the phone, when i actually have proof it was delivered. As i was overseas i didn't check my emails or paypal account as i didn't expect this to happen. i have called paypal, and they said, as the case has been closed theres not alot they can do, i can appeal the case, but theres not much chance i will win. i have done that, ive given the tracking number, and photos for proof of postage and am awaiting their reply. im guessing they wont be able to do anything. i need help, what can i do? Im not letting the debt collection agency take my money, as i am an honest person and have done nothing wrong, but i can't see another way out? Any help will be appreciated. Thanks
  4. Hi, Please can someone advise me as this debt company is ringing me 3 to 5 times per day as well as sending me threatening letters. I owed ebay £62 my account was suspended until I payed it but in meantime I received letter from this IQOR saying I owed £78 and demanded payment in full. I told them I couldn't pay straight away so asked when I would and that I had to ring them up and pay over phone. I decided to check my ebay account and noticed it had £62 and allowed me to pay ebay direct which I did. I have had this company on my back today 3 times saying I have to pay them the £16 I owe which I said I don't see why I had to pay them anything and had already settled my fees which ebay accepted. I have now been told by IQOR that they will be pursuing me for the £16. Please help can they do this and will I have to pay them as I'm now getting really scared I'm going to end up paying them even more if I'm took to court.
  5. have an ongoing battle with lloyds tsb via robinson way , lloyds have admitted that there is no cca for the credit card account but today robinson way letter arives saying our client has advised us due to the terms and conditions that you agreed to when you opened this account you remain fully liable for the amount outstanding , we now require your proposal for repayments . any help here please
  6. I was contacted by iqor concerning £328.36 supposedly owed to Lloyds TSB. I wrote saying that I did not acknowledge any 'debt' to iqor and asking for verification of the allegeddebt. I have had a reply from iqor staing " we comfirm the above balance is correct"-How? also the statement starts in Augest 2007 with a starting balance of £250 overdrawn! so no indication of how I came to be overdrawn, has anyone else had any similar experiences ?
  7. Hello all. I've never had any debts before so not really sure how to deal with my situation so if anyone could give me a few pointers I would be very grateful. I have a debt with PayPal for around £800 (completely my fault and don't dispute it in the slightest). I did email PayPal a few times stating that although I accepted the debt, I couldn't afford to pay it all off in one go as they wanted. The contents of my emails were ignored and I just had a standard 'return your balance to zero immediately' making no mention to my email. Anyway, this morning, I received a letter from a debt collection agency (Iqor) and to be honest I'm terrified. They are telling me I need to repay them immediately or they will pass it to their legal department and may arrange for someone to visit me at home. I really don't want some debt collector turning up at my home as i only work next door so someone from work could see / hear them. Does anyone know how likely Iqor would be to agree to a repayment plan if I was to ring them and tell them I can't afford it in one go - £50 a month say? Thanks for any help.
  8. Hello i'm new here, just joined actually, i have a debt of £69 where i have been receiving letters and phone calls from Iqor demanding i pay. now after having no acknowledgement why i need to pay for this or what i'd done i researched a little on my eBay. won't go into details but i sold something for £69, he then messaged me saying he doesn't want it so he charged back via Paypal now i'm limited on Paypal eBay etc so i just left it no harm done. i'm still getting letters and phone calls and i have received one today saying they're coming to my doorstep to collect this £69 baring in mind i'm only 17 so all this is really confusing and just want abit more knowledge really Thanks alot!
  9. Hi, we opened 2 Halifax accounts about 18 months ago. One was the Ultimate Rewards account and the other was a basic savings account. Because we were switching banks they gave us £250 overdraft on both accounts. When we opened the accounts we where honest with them, and told them that we didn't expect to be accepted for the Ultimate Rewards account because we live on benefits. We are in receipt of, DLA, care allowance, income support, child benefit and child tax credits as well as HB and CTB. We managed to go into our overdrafts and with the charges every month never managed to get out of them, to the point where we had to move our money back to Natwest as we just could not afford to have the charges taken out of our money every month. We have been getting letters and phone calls from Halifax for a few months now, we have ignored them as we are not in a position to clear the debts at the moment. We have every intention of clearing them as soon as we can. We received letters last week telling us that somebody would be calling us tomorrow (not sure if it is a home visit or a telephone call), and we a wondering how we go about claiming the charges back using the hardship process. If we can reclaim the charges we could easily settle these account. Can somebody point me in the right direction please.
  10. Can't see any mention of this anywhere, but of course may have missed it - it's an age thing. http://www.credittoday.co.uk/article/14891/online-news/capita-snaps-up-dca-in-42m-deal
  11. Hi guys, I'm new to this sort of stuff and unsure of what to do next with my current issue with paypal and Iqor. Any help is much appreciated. I sold a cricket bat online and received payment via paypal in the form of an e-cheque which I withdrew and spent as normal. I sent the cricket bat with a tracking number to the buyer and all seemed fine, until two months later (Oct 2012) I received an email saying the payment had been reversed to his bank account. So at this point I was £200 out of pocket, as well as a cricket bat. I rang paypal and said that it was fraudulent as I didn't authorise any payment to leave my account, and they told me that I didn't have to authorise it because the banks have that power. They just kept telling me I owed them £200 which I kept refusing to pay. I then queried their protection and they said that they don't protect any e-cheque payment to which I was rather angry at, even when I told them that this payment which was reversed was fraudulent as I had sold and sent an item to a buyer along with a tracking number. I then contacted action fraud and told them my situation and they gave me a crime reference number. I haven't heard anything back but they told me that nobody could collect any money from me whilst the case was open with a crime reference number. I then started receiving payment requests from Iqor a debt collection agency (in dec 2012) telling me that I need to pay the £200 even though I told them that it isn't my fault and I won't be paying because I have done nothing wrong. I told them I have a crime reference number and they went quiet for a few months until a week ago when started ringing daily in the early hours which Is starting to get too much. I know that it isn't a great deal of money but as a full time student I can't justify paying it, particularly when I know I haven't done anything wrong. Does anybody have any ideas to what I could do next? Thanks in advance
  12. Hi all, So I'm like many of you, I'm being hounded by letters from iQor and at the moment GPB Solicitors saying that I need to pay up for a debt from my Paypal Premium account that was closed before all of this arose. The debt is for around £2500, which is has been swindled from me - I'm not too sure what has happened because my account was closed before I could find out what Paypal/eBay had against my auction. At the moment I'm just ignoring their letters, should I carry on this way in the hope that they finally give up? Or should I actively be doing something about this because they do actually have some power against me? Many Thanks
  13. Hello, My situation is that whilst selling on ebay some particular items to get some cash in my pocket I racked up some ebay charges, nothing big , around £60 But the items i was selling generated only around £200 at most. so i thought i would leave of paying the charges for a while, and well iv just never seemed to have the spare cash to loose, as im a student and barley have any cash to spare. But few months after my account was closed via ebay for not paying the fees I get a letter from IQOR asking me to pay the debt of the amount in ebay charges, with still not having 60 spare iv left it a few months and now they send a letter on the 24th recieved on the 28th about an IQOR door visit, where they will discuss how to arrange a payment back. Now my question is what can they really do? we all hear about the bailiffs and them barging open the door taking what they please for the amount, and well im seriously not prepared for that to happen or go court, but paying these ridicoulous costs at this time is something i just cant afford. even now ebay charges are ridiculous with 15% of the item is theres, then you get the tab for postage and ebay listing, when i finished i came out worse. any advice?
  14. Hi I have received a demand from Iqor with regard to an old Ebay debt which I had forgotten about. I sent them a prove it letter and they have replied with instructions on how to log into a blocked account and view an invoice. When I followed the instructions The amount which Iqor are demanding differs from the amount stated by Ebay. Iqor say I owe £39,09 and Ebay say it's £31,09. There is also information on the account which says that the last payment was made on 04/03/2006. My question is, does this mean that because it has been more than 6 years since any form of acknowledgement, the debt is statute barred? Also, if not, should I just pay Ebay the £31,09 and tell Iqor where to get off? Thanks in advance JJ
  15. Hello i am after some advice on an ebay dispute which also involves the collection firm iqor.Any advice would be great. i sold some collectible framed pictures to someone on ebay which fetched £4500. When the buyer received these goods he complained to ebay that he wasnt satisfied with them and wanted a refund. .ebay then stated for him to return the goods to me for a full refund, which i was totally fine with. However after a couple of days ebay had refunded the buyer and requested i reimburse them BUT i had not reeceived my goods back, i told ebay this but they said as a tracking number was provided they still wanted reimbursing. Obviously i looked into this and contacted the courier(parcelforce) who confirmed that the goods had been sent to a different address and not mine and provided me with the relevant documentation to prove this ..the signature on the tracking info was not even mine. i contacted ebay and emailed them all this documentation they rang me back saying they had also contacted parcelforce who confirmed to ebay that this evidence was correct. The person who rang then told me because of this she would be sending a request to ebays higher management for any reimbursement request to be cancelled due to the information i provided them. That was 6 weeks ago and every time i ring up they tell me that the request has still not been approved.. .in the meantime iqor the collection agency contacted me saying i need to pay the balance in full. .i explained to them the situation and said i would ring ebay immediatly to see what was happening .,i did this and ebay once again confirmed the request had not been decide yet. I then rang back iqor and told them this and they said they would put a hold on this issue for 2 weeks and see what happens ,that was 3 weeks ago and i have not heard back of them i contacted ebay today and yet again no updates about my reimbursement cancellation. So sorry about the long winded post but any advice on what i can do to finally get this resolved would be greatly greatly appreciated or what i should do next? Thank you
  16. Hi, haven't been here in a while but wondered if someone could help me please. Credit Card pre 2006, arranged a pro rota agreement in 2006, and paid minimum amount, went to a debt collector, and arranged 20.00 per month. Last payment made was in 2011, and decided to request CCA with the DCA at the time. I rec'd a letter stating that payments had been made towards the debt however Lloyds have advised that they cannot provide a CCA as the debt is too old, and although unenforceable it is still owing. They went on to say that Lloyds have offered a settlement figure previously for half of the original debt, and this still stands. I took that as Lloyds did not fulfill there obligations under the CCA act and thought to thyself that if they were to take me to court then they'd be stupid just because of the admission. Have had a few DCA letters still attempting to chase the debt but I know of them so have ignored. However, Rec'd letter from iQor, .. . I ignored... but have now had letter from gpb working on behalf of iQor stating that they want payment within 10 days otherwise a county court claim may be issued without further warning. Now normally I'd egnore it, but I just needed someone advice as to wether the letter I had from the original DCA would be a defence in court if it did indeed go that far? Should I send a whole new CCA request? Or should I send a letter, including a copy of the letter from the original DCA I just don't want to shoot myself in the foot by assuming, so any advice would be much appreciated as they are demanding payment within ten days and gpb seem to be a legit solicitors. Thanks so much to anyone that can help. Red
  17. Hi Recently me my partner have received a letter from Iqor debt collection services its for the collection of money for a social loan we took out about 5 years ago and say we owe them about £1000 -£2000 pounds can't remember the exact amount. When my partner phoned them to set up a pyment the person on the phone asked about our income and expenditure which my partner gave them bacause at the time we did not know she was not allowed to ask this. ( Is there any action that can be taken for this?). She then decided that we have enough money left over to be able to pay £15 a week and that is all they would accept a week and was also told that our mobile bills don't come into it because they are a luxury so that didn't get accounted into the figure either. Do we have to pay the £15 a week or can we tell them how much we can pay, also is there a way for us to find out if we actually owe this because my partner phoned the DWP about the debt and they said they had no information because it was all passed to Iqor. please help. Thanks
  18. hi i am wondering if anyone can give me some advice . due to a loss of my business 2 years ago i am currently on a d/m with payplan also have a charge on my house through the business! but also had 3 bills with inland rev ,,vat...self ass and another but not too sure which one as they have so many departments its been so confusing!!. .but i have had another debt fall out of my letterbox today ..which i presume is for a debt i kept phoning them disputing i have not had my business for 2 years and have sent end of year tax return for that year but because i didnt put a date somewhere i needed to send another. ..being my 3rd one i really think they are taking the mick!!!!! i have spent hours trying to sort this mess out but seems no1 has actually taken any notice and now have been billed for a business i no longer own!!! iqor are constantly warning on the debts they already have been given via inl rev that they want more monies ...but will not understand i am unemployed and have sold my possesions to try to pay these debts off and my husband helps pay these debts which has lead him to have to go on a d/m also . ...so with iqor wanting more than £75 for the 3 bills i already have i am scared to phone them up regarding this other debt as they are not very pleasant or they wernt last time i called. ..the lady on the other end started having a go at me about have i tried applying for jobs am i actually looking for work?????? and she actually brought me to tears . ... but having worked for myself for 20 years not much to put on a cv really so havent had much luck . ....i just dont know what to do regarding iqor .. .and each month is a struggle to pay all these debts.. .i have thought on bancrupcy but i know you need cash for that. ...so catch 22 but i am at the end of my tether
  19. Hi guys, Have an outstanding balance of £22.53 on my PayPal account, received a letter from IQOR saying that the debt had been passed onto them bla bla bla. I can still access my PayPal account, would I be to just pay it off on there? I can't see any reason why not but wanted some advice anyway. Cheers!
  20. Hello, I am in need of help and advice please. Unfortunately, my problem is one that I have not read documented before - so am unsure how to proceed. In a nutshell: an item was sold on ebay,monies received, it was collected, then after a payment review paypal takes monies away. Now, I have recently received a letter from iQOR relating to this debt. However, my circumstances differ in the following way: This was NOT a chargeback / refund / Buyer-instigated action; Paypal decided to refund the account holder for the amount as they did not respond to the payment review case (that Paypal opened). and: I managed to find another seller (with whom I contacted at the time of payment reviews), he had a CRR (Crime Reference Report) created and had his money back from Paypal. I am mentioned on this report. After Paypal took my monies away, I mentioned this report to them and have been awaiting their response to my appeal on their decision ever since. I have been told by them categorically that I should not repay the debt (or 'debt') until I have heard their outcome -, but now they have thrown this spanner in the works and I am unsure what to do. Unfortunately, I also sold some other items via eBay while the payment review was being investigated and so have repayed some of the debt by Paypal seizing the funds from my account. However, I am wondering whether the amount that iQOR say I owe them can be classed as 'not acknowledged' as it is the amount remaining not the amount taken via paypal money in my account (i.e. not the original amount)? My situation is a lot more complicated than this, but this is it in a nutshell. Sorry for the badly worded post!
  21. Hi. I had a debt with PayPal, I refuse to pay as I sent a tablet worth £500. I have told them flat out not paying it as this is fraud. This product was where the consumer picked the tablet up. They have put a dispute in and PayPal has put my balance into a negative position. Does anybody have any templates I can send iQor to tell them to go away legally.
  22. Hi Guys, I signed up to this forum since I dont really know what to do, hopefully you can help me out. I'm 16 years old and I have an ebay account in which I owe £304 to. I know im underage and did a very stupid thing where I sold something and forgot to ship it. Months later I was presented with a letter from iQor telling me I owe ebay the amount since my paypal didnt have enough to cover the refund since i wasnt sent. I also had many emails from ebay asking me to pay but I havent checked that email in a long while so I didnt notice. I think I can get the money soon (through selling my web creation services) , I dont want to tell my parents or family about this, what do you suggest I do? Thanks
  23. I haven't had any communication from IQOR but last week I came home to find a card from they saying they called but got no answer and advised me to call a mobile number (no name or ref). I haven't and since Saturday they have been calling (did a check on WhoCallsMe) when I was out but left no message. Should I respond or would it be disturbing hornet's nest? Thanks in advance. Lilly
  24. Hi guys, this is my first post. But i have recently just recieved a letter from iqor demanding i pay them money as paypal personal have passed on my debt with instructions to recover this debt. This is taking the **** as i owe them nothing, first of all i have not even recieved a phone call only a letter from iqor. Secondly my paypal account had been hacked i told paypal this, somebody had $250 transferred to my paypal account then sent it elsewhere, are paypal retarded ? I told them you have access to this other account to and simply take it back from there, but i got no response just numerous emails to repay it WTF ?. Now i have a letter from iqor, should i send them the CCA letter or what else can i do? please help
  25. Long story short... I tried to sell an Iphone on Ebay about 2 months back. I put a "buy it now" on to which someone kept clicking it then disabling their account. This kept racking up fees and each time it happened I spoke to Ebay through live chat, explained this to them to which they advised me through a few steps and said the fees were no longer payable. Because it happened over and over I got frustrated and took screenshots of a couple of the conversations. Rec'd a letter today from IQOR saying I have 72hrs to get intouch otherwise it's court and the rest of it... Tried to get in touch with Ebay but they've suspended my account. You can't get in touch with anyone living for love nor money. Everything is just a series of check boxes telling me I'm a criminal. I sent the following Email to them: Dear Ebay: I have been sent an email and a letter from a debt collection agency advising I owe £87.39 on my account username XXX@XXX.com I DO NOT ACKNOWLEDGE THAT DEBT I previously tried to sell an Iphone. Each advert had a "buy it now" button. Every time i advertised the phone someone would press the button then disable/cancel their account. Each time this happened I advised ebay through live chat. They advised me that the fees were Null and Void and weren't payable by myself as no-one had bought the phone! The debt collection agency have given me 72hrs to respond to their letter. Otherwise, they're threatening court action. Alas, I HAVE SCREEN SHOTS OF MY CONVERSATIONS ON LIVE CHAT WITH EBAY THAT STATE THESE FEES ARE NOT PAYABLE AND ACKNOWLEDGING MY COMPLAINTS. Should I not get a reply today, I shall present these as evidence to the debt collection agency (IQOR) and in any small claims court I'm meant to appear and all costs will be paid by EBAY. This is adversely affecting my credit rating This is causing me unnecessary stress I am being harassed by this company IQOR I do not acknowledge this debt! As yet no response!!! Phoned IQOR and got a rude teenager. Who quickly walked through the data protection etc... Explained everything and said: ME: I do not acknowledge this debt. IQOR: You're refusing to pay! ME: Yes, cause it's not my debt IQOR: I'll note the system ME: Note it exactly as I say it - "I do not acknowledge this debt!" IQOR: You still owe us ME: No I don't, give me your email or an email so I can send exactly what I sent Ebay. IQOR: We're a call centre, we don't accept emails... you can't email us ME: Be Quiet, course you do, how is anyone meant to dispute their debts? IQOR:In writing sir!!! ME: Before the 72 hrs noted on the letter dated last week!!!!!!!! IQOR: I've noted the system that you're refusing to pay. ME These calls best be recorded!! Bye! What an absolute joke... any help out there from any good Samaritans??? :-|
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