anyone dealt with iqor?

[moneyprobs]

Hi everyone

 

I've been sent a letter demanding payment in full from iqor (who had the debt passed on from classic card who I've never heard of either!). Prior to that, the debt was held with Blair Oliver & Scott, who I was in written correspondence with (following advice from this forum) and originally the debt was held by the Royal Bank Of Scotland. Are these debts just being sold on to new DCAs every few weeks??!

 

Iqor are going through the pre litigation threats and instructing phone contact to be made. My understanding is that all correspondence should be undertaken in writing. Iqor are also threatening the doorstep call. Now I've just sent a letter to AA Personal Finance as they sent an impersonal card (with no reference to an account or debt) stating that one of their representatives will call at my home on 3.2.09. The letter I have sent to them makes reference to Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R. regarding unlawful entry to private property.

 

Has anyone else on the forum experienced anything similar and could anyone advise whether I'm on the right track?

 

As ever, many thanks

moneyprobs x

[PGH7447]

sounds good to me so far

 

igor are easy to get rid off

[Werner M]

.....IQOR !!.....I told one of the doorstepreps. to p..s off and come back with a valid CCA.and the debt is SB.anyway......He moved VERY quick towards his Car......Don't worry to much about Iqor.....Good Luck!!

[moneyprobs]

Thank you!

 

Apols for being so green, but what are CCA & SB?

 

M

[Werner M]

....Hi; a CCA is aCONSUMERCREDITAGREEMENT and SB means a Debt is Barred by STATUTE.( after 6 years in England but only 5 in Scotland)... PS: just read through some of the threads and you soon get the hang of things....wm.

[citizenB]

CCA = Credit Card Agreement

 

SB = Statute Barred - refers to a debt that has neither been acknowledged or paid for 6 years .

[Werner M]

....Thanks Citizen B

[Fred Bassett]

Hi Werner, IQOR are indeed very easy to get rid of. Frankly, if it's got as far down as them then you shouldn't have any problems.

 

They do respond to email correspondence, so you can tell them to sod off without spending anything. Here's their email address: [email protected]

 

Regards.

 

Fred

[moneyprobs]

Hello folks - it's reassuring that you've been able to deal these iQor bullies. Having sent the letter to them regarding the legalities of their proposed 3rd Feb doorstep call (which has gone unacknowledged), a letter from them came today 'Notice of Legal Proceedings' demanding payment of the debt in full by 10am on Feb 1st (2 days before the original intended doorstep call??!!). In their letter they have threatened court action (incl. examination of my means), proposed deductions from my salary (they don't know whether I'm salaried or not!) and seizure and sale of my property.

 

Does anyone know where iQor stand legally on any of the above threats?

 

The letter is not signed in any way, there is no iQor named person on the letter for reference, but as ever, there is a number in bold (!) to call and I clearly stated in my letter to iQor that all correspondence was to occur in writing. Should I write to iQor now asking for my original CCA (as I did with BO&S) as iQor have purchased the debt and presumably need to provide proof of the original agreement too - does anyone know if this is the case?

 

Yours gratefully

M

[moneyprobs]

Hi again

 

Just wanted to add something about that that last letter from iQor (demand for payment in full within less than 4 days from receiving the letter!).

 

I can't find an account number anywhere on the letter, just a reference number and also, the proposed pay in full deadline is 10am on a Sunday when their phone lines are closed anyway. Have decided to send the request for original CCA of to them today. Hope this is the right thing to do.

 

Fred - you mentioned about iQor being pretty far down the food chain - could you give me any more info on this - thanks.

 

Thank you all

M

[citizenB]

I would say that this letter isnt meant to do anything other than scare the pants off you. Dont get sucked in.

 

Unfortunately, they have forgotten one thing. To do all they have threatened they do have to get you in court first.

 

The letter in the post below can be amended to suit your purpose.. and should see them off. x BTW, if there is no account number on THEIR letter.. then dont give them one in yours. Use only references that they have.

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-1800199.html

[moneyprobs]

Many thanks Citizen B

 

I have quoted only the reference number within the letter as that thought occurred to me too....

 

M

[citizenB]

Many thanks Citizen B

 

I have quoted only the reference number within the letter as that thought occurred to me too....

 

M

 

Excellent