IQOR - Man just came to the door!

[avocados]

Hi

 

I have just had someone come to the door who I ignored cos I thought he was a salesman.

 

He returned to his car and returned with a postcard in an envelope and pushed that through my letterbox.

 

On the card it says he was a 'representative' from IQOR and

they say they are collecting on behalf of capital bank?

I don't know who they are?

But I am guessing by the debt amount it could be Halifax if someone can clarify this please?

 

It is for a very high amount ££,£££'s and there is no way of me paying it back

 

Arrgghh

this is a bit of a panic type post as I was not expecting having an unvited guest interupt me this evening.

 

If capital bank = Halifax then It's a fairly recent loan (2008 ) so not sure what to do.

 

Should I just send them the no door step callers letter straight away for now to stop them returning while I think of what to do next?

[cerberusalert]

GE Capital Bank Limited, trading as GE Money, offers credit cards and store cards for companies including Laura Ashley, Debenhams and Harrods. In January 2009 the company was purchased by Grupo Santander and will be merged into the bank's existing entity, Santander Cards.

[avocados]

GE Capital Bank Limited, trading as GE Money, offers credit cards and store cards for companies including Laura Ashley, Debenhams and Harrods. In January 2009 the company was purchased by Grupo Santander and will be merged into the bank's existing entity, Santander Cards.

 

 

Never had a store card. My car finance was with GE money and now with Santander. I doubt it is that as I don't owe the amount on the postcard nor is it in arrears so they have no reason to send someone to my door about it

 

The only figure I owe a large amount to anywhere near as high as the postcard is a halifax personal loan but Iam not even sure if that figure matches up correctly

 

I'm confused here

[PGH7447]

so wait until they write, if the idiot turns up again just send him packing, they cant just arrive without prior contact, I would also send the postcard onto the OFT and complain that they have not made prior contact nor asked your permission to visit

[WelshMam2009]

Never had a store card. My car finance was with GE money and now with Santander. I doubt it is that as I don't owe the amount on the postcard nor is it in arrears so they have no reason to send someone to my door about it

 

The only figure I owe a large amount to anywhere near as high as the postcard is a halifax personal loan but Iam not even sure if that figure matches up correctly

 

I'm confused here

 

You need to send them the "deny debt prove it" letter which is in the templates and also add the standard paragraphs about only communicating in writing and not visiting you at home.

 

Out of interest, haven't you received any notification of a visit from this company previously?? If not, then I'd take a look at the OFT guidance and lodge a formal complaint.

 

Best of luck with this!

[avocados]

Thankyou for the above.

 

They never sent anything to say they were going to visit.

 

I really am unsure what this debt is as the only thing I have ever had with GE money is my car finance which is up to date with payments.

 

I need to go to work right now so I'll do the letter to them in the morning saying I do not acknowledge the debt and to stay off of my property

 

If anyone has any furthur advice or could help in what I should send to the OFT to complain about my unwanted visitor then I'd be grateful and I'll reply to you in the morning.

 

Thanks

[cerberusalert]

Knowing the idiots they employ not only would they go to the wrong house, but more than likely the wrong city too.

 

Was the card he put through in your name?

[Zaraphin]

Hi avocados

We have received a letter from Iqor regarding a Capital Bank debt and it does related to a Bank of Scotland/Halifax Classic Credit Card.

I must admit it did puzzle us at first until I checked the account numbers thats when we realised it was BOS. As it did state on Iqor letter Capital Bank which we automatically thought GE Money who were GE Capital at one time. But I can assure you it does relate to BOS/Halifax.

Cheers

Scott

[harrassed senior]

With all these Banks taking over, cards, branches, Building Societies and whatever, it is hard to know who represents what these days!!

 

I am considering taking a leaf out of their book with a reply similar to this:

 

Thank you for your letter addressed to +++++++++ however, this person no longer exists, having married and changed their surname. however, they chose not to take the surname of their partner, but rather revert to their Mothers' maiden name. Again, that has caused further confusion in that they were getting their grandfathers' mail and have therefore changed their name entirely by Deed Poll.

 

I am sorry to say therefore, that due to the confusion caused by the change of name of the company you say you represent and that of the supposed receiver of your letter, no certainty can be acknowledged that there is any relationship between either parties.

[veryweary]

 

I am considering taking a leaf out of their book with a reply similar to this:

 

Thank you for your letter addressed to +++++++++ however, this person no longer exists, having married and changed their surname. however, they chose not to take the surname of their partner, but rather revert to their Mothers' maiden name. Again, that has caused further confusion in that they were getting their grandfathers' mail and have therefore changed their name entirely by Deed Poll.

 

I am sorry to say therefore, that due to the confusion caused by the change of name of the company you say you represent and that of the supposed receiver of your letter, no certainty can be acknowledged that there is any relationship between either parties.

 

 

:lol::lol::lol:

[loopinlouie]

With all these Banks taking over, cards, branches, Building Societies and whatever, it is hard to know who represents what these days!!

 

I am considering taking a leaf out of their book with a reply similar to this:

 

Thank you for your letter addressed to +++++++++ however, this person no longer exists, having married and changed their surname. however, they chose not to take the surname of their partner, but rather revert to their Mothers' maiden name. Again, that has caused further confusion in that they were getting their grandfathers' mail and have therefore changed their name entirely by Deed Poll.

 

I am sorry to say therefore, that due to the confusion caused by the change of name of the company you say you represent and that of the supposed receiver of your letter, no certainty can be acknowledged that there is any relationship between either parties.

 

I wish I had your quick witt :lol:

[avocados]

I've had a sleep on it and I am fed up with the whole debt situation, if I was single I'd just go for bankruptcy and they would end up with f##k all as the house is bordering on negative equity or exact amount owed at best anyaway. But I know that she'd be gutted if we lost the house and it's the only thing that keeps me going sometimes.

 

I really don't know what to do about it all, I suffered from mental health problems years ago and it's hard to keep level headed when you have these b#st##ds phoning you all day every day, writing threats and turning up at your door. It feels like I'm on the verge of another break down sometimes.

 

I really am stuck at what I should do about it all, I have zero assests so they can take me to court and will still get eff all from me.

 

Don't know if to go down a DMP route but don't you have to pay those for tens of years, years, years and years? whilst a bankruptcy only lasts 6 years then you can start a fresh again. Of course I have thought about the 'other' option very seriously but money is not everything (apart from to bankers and DCA parasites) and is not worth ending it all over.

 

Stuck at a dead end:(

[sea-sidelady]

For these "people" send the letters as advised above.

 

The harassment letter and the doorstep letter asap! Get the calls stopped. And make sure they don't come back knocking.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/590-letter-used-when-a-dca-threatens-a-doorstep-visit-

 

If you do receive a doorstep visit we give these suggestions to Members.

 

Give them the template letter linked below through the letterbox or chained door.

 

http://www.consumerforums.com/resour...ep-visit-.html

 

Tell them to leave as you have nothing to discuss and all communication must be in writing.

 

Tell them you will call the police if they don't leave immediately.

 

Remain calm and polite at all times.

 

Walk away from the door so the visitor cannot try and talk to you.

 

If they don't leave, call the police to report that you are being harassed and the visitor refuses to leave.

 

 

It's not going to solve all your problems, but it will be one less worry and give you breathing space to decide your next move.

 

 

Start some threads in the appropriate forums to see if there is any other help you can get, before taking on such a big decision of bankruptcy.

[WelshMam2009]

I've had a sleep on it and I am fed up with the whole debt situation, if I was single I'd just go for bankruptcy and they would end up with f##k all as the house is bordering on negative equity or exact amount owed at best anyaway. But I know that she'd be gutted if we lost the house and it's the only thing that keeps me going sometimes.

 

I really don't know what to do about it all, I suffered from mental health problems years ago and it's hard to keep level headed when you have these b#st##ds phoning you all day every day, writing threats and turning up at your door. It feels like I'm on the verge of another break down sometimes.

 

I really am stuck at what I should do about it all, I have zero assests so they can take me to court and will still get eff all from me.

 

Don't know if to go down a DMP route but don't you have to pay those for tens of years, years, years and years? whilst a bankruptcy only lasts 6 years then you can start a fresh again. Of course I have thought about the 'other' option very seriously but money is not everything (apart from to bankers and DCA parasites) and is not worth ending it all over.

 

Stuck at a dead end:(

 

First off, just send the letter that Sea Side Lady has kindly provided the link to above...that will stall them for a while.

 

Secondly, if it does turn out to be the Halifax card, can you remember if you took it out before April 2007??

 

Whilst the debt may exist, it doesn't necessarily mean that the creditor has an agreement that they can enforce in court. The next step, if they don't provide one in response to the prove it letter, would be to send off a CCA request....you will then be in a better position to know where you stand.

 

Also, can you recall when you last made a payment on this card?

[avocados]

First off, just send the letter that Sea Side Lady has kindly provided the link to above...that will stall them for a while.

 

Secondly, if it does turn out to be the Halifax card, can you remember if you took it out before April 2007??

 

Whilst the debt may exist, it doesn't necessarily mean that the creditor has an agreement that they can enforce in court. The next step, if they don't provide one in response to the prove it letter, would be to send off a CCA request....you will then be in a better position to know where you stand.

 

Also, can you recall when you last made a payment on this card?

 

I have printed the letter off and i am off to the post office with it shortly.

 

If it does turn out to be Halifax then it is not for a credit card but for a loan and it is after 2007 too

[WelshMam2009]

I have printed the letter off and i am off to the post office with it shortly.

 

If it does turn out to be Halifax then it is not for a credit card but for a loan and it is after 2007 too

 

 

You can still CCA for a loan....but one step at a time...let's see what happens in response to your first letter.

 

Best of luck!!

[sea-sidelady]

Chances are it will be for Halifax. I have heard a lot more Halifax debts being chased by these lot.

[avocados]

Thanks again for the above

 

Letter has been sent recorded delivery to prevent some muppet turning up again and also to try find out if it is Halifax or not.

 

So now just waiting to hear back from them

[avocados]

Despite me sending them a letter stating that communication must be in writing and that I do not know of the debt, guess which muppets have just phoned?

 

All I got was a letter saying they will investigate my complaint but the harrassment still continues

[Huff&Puff]

It's rare indeed that they ever actually take any notice of a letter If they continue to harass you, report them to the OFT, as they are in breach of the guidelines by not using your stated method of communication.