doorstep visit by IQOR.Santander debt - what to do???

[Bazooka Boo]

Listen it is YOUR home, you are entitled to feel safe in YOUR own four walls, what these fools have sent you is purely psychological threats, and very uneducated ones at that, they, as DX has repeatedly said, have NO LEGAL remit whatsoever, they have NO LEGAL AUTHORITY over you at all.

 

A copy of that letter they sent you MUST be forwarded to the OFT&TS also send a copy of it to your local MP and demand he brings this issue up in the commons, of companies with no legal basis or authority threatening constituents in their own homes.

 

Spitting feathers I would be, and IMO if you feel threatened you can always go down to your local Police station with a copy of the letter you sent them and the reply they sent you and ask them for advice, at least then, if they were to send a doorstep muppet round and committed the tort of trespass, the old bill will be up to speed on your circumstances when you call them up to have them removed.

[caledfwlch]

Hi all,

 

Advice again please!!

After writing to IQOR twice, once for the M&S account and one of the Store card (Santander) I got a letter back from them this morning re the Santander account stating:

 

The case you have referred to is not applicable to your circumstances. As part of the credit agreement you signed and entered into, you agreed to pay the full outstanding balance and that where necessary, the creditor could recover the debt by outsourcing the debt to a third party which included by way of doorstep collection.

 

Therefore the licence you state that has been revoked is irrelevant, which for the avoidance of doubt, we do not agree to, is not binding on us as it does not fulfill the relevant principles of contract law.

 

We are entitled by law and under contract to recover monies outstanding and we are allowed to take reasonable steps in accordance with regulatory guidance to recover such monies.

Yours sincerely

 

Correspondance Department.

 

Now what do I do!!! Does this mean he may return to my door?

Any help I'd be grateful - I am back to being frightened of door bell going again.

Thank you xx

 

Tell them that they have no lawful right or way to ignore, or overturn your legally binding notice, revoking their licence. Should anyone return they will be removed from the property, the Police called, and an official police complaint of harassment made, and legal advice taken regarding their intentional trespass.

 

Revoking someones licence to visit is an absolute right, and cannot be overturned.

 

A Contract cannot overpower ones civil and legal rights.

 

Revoking a right to visit has nothing at all to do with Contracts Law. If they feel you are breaking their contract by revoking that licence, well, they must go to a county court..

[dx100uk]

really wanna get up his nose

 

FILM HIM on your mobile phone

 

watch him change his tune to please give me some money

 

but as i an NOT a bailiff i cant actually do anything to make you....please....

 

dx

[citizenB]

You really must send a copy of that letter to the OFT.

[brooc93]

Thanks - I will send a copy to the OFT - does anyone have their contact details to hand, then will do first thing on Monday.

Just wonder why the letter they sent says that it doesn't apply to me - i've obviously annoyed them!!

 

So is the general opinion to write back to them again, or leave it? and report them to OFT?

 

You don't know how much I appreciate all the advice!!!

[skintandfat]

Just read this thread

 

IQOR were pretty shirty with me but I had the last laugh as I went BR and they didn't get a penny

 

First- your family comes first, along with the roof over your head etc..

 

As you have said you were in tears you wouldn't get a hard time if you dialled 999 if they called again and didn't leave on 1st request.

 

YOU ARE ENTITLED TO FEEL SAFE IN YOUR OWN HOME and if you are frightened dial 999. People call 999 for pigeons being ran over so don't be frightened.

 

Information is power and you need more. Call CCCS or the CAB for help- don't pay somoene for help

 

Depending on where you live your local council may have a debt advice person

 

Your circumatances dictate how you will handle this;

Where in the UK do you live (life is easier for people with money propblems as Scottish MP's (MSP's) are keeping a close eye on this industry up here.

 

Do you live in a mortgaged house or rent?

 

Are you employed or on benefits?

 

On another point- your bank are WRONG on CPA's - see HERE

 

OFT guidance on debt collection - you MUST read this

 

To sum up- don't worry, you are now in control

[brooc93]

Hi,

 

I live in a rented flat.

I am employed but currently on maternity leave with my young baby. (hence replying this time of night!!) - and no, not in Scotland.

I claim no benefits apart from child benefit.

My worry is, my wages were bad enough before - even worse now on maternity, and with going back to work as I don't want to not have a job - with nursery, things are actually going to be even tighter.

 

I know this debt is mine, and I know I owe a lot. They did ask me when they came to my home to tell him how much I earned and where my money went too - so 'he could help me' - I did luckily refuse to do that.

 

I think my main worry is after they visited the house and he got me to pay the £80 first time around using my debit card, I have now, after a lot of hard work with the halifax got totally new debit card long number - so their next attempt to take the money will not go through on the 25th of the month. Think that is when I am worried they are going to return. Saying that, that was for the M&S debt, which they have replied for the Santander account rather than the M&S element.

 

Just a bit confused as to what to do for the best. I will of course, contact the OFT and send copies of the letter I sent to them, and the letter sent back to me - but just not 100% what I should be replying back to IQOR now, if anything at all.

[Bang!]

In addition to the above, their attempt to claim a right to doorstep is underpinned by contract, then the Protection from Harassment Act 1997 voids that term straight off.

 

http://www.legislation.gov.uk/ukpga/1997/40/crossheading/england-and-wales

 

Not only is harassment an imprisonable offence (s2), but enables the victim the civil rememdy of damages for any anxiety caused by that harassment (s3).

[rebel11]

The Postman has more powers then the 'Door Step Collector'.

[dx100uk]

i thnk we need a history of each debt as well

 

i bet they are both littered with unlawful £12 penalty fees

you can reclaim those

 

got all the statements?

 

dx

[brooc93]

I haven't got all the statements - I have some. I know the M&S one actually didn't have many charges - but the Santander one, was month after month. I have gone after PPI but they refused - maybe I should look into the charges.

Sorry to sound a bit dim, as am just picking up things I have learnt and read on here - do I need to send off for a SAR?

[dx100uk]

if you hold and click on the black SAR it tells you

 

its a letter tht with a £10 PO gets you everything company holds on you like staetments etc.

 

they cant refuse PPI, so we'll deal with that too.

 

dx

[Bang!]

I apologise if it has been mentioned already - but to save looking through 60 odd posts - was your M&S debt originally a store card that was "upgraded" to a credit card, as then the entire debt's possibly unenforceable.

[debbbbsy]

As part of the credit agreement you signed and entered into, you agreed to pay the full outstanding balance and that where necessary, the creditor could recover the debt by outsourcing the debt to a third party which included by way of doorstep collection.

 

Which Storecard do you have ?

 

Have you got a copy of your Storecard agreement, does it include such a clause which specifically includes a Doorstep collection?

[sirbob10]

Hi

 

I noticed you said your not claiming any benefits apart from Child Benefit. Have you not submitted a claim for Tax Credits or Child Tax Credits?

[skintandfat]

Try this online benefits checker

 

Hope this helps

[brooc93]

Hi all,

 

Thanks for the advice and posts.

 

Since the last letter from IQOR re the Santander debt saying that the not being invited to the home letter doesnt apply to them letter

- just wondered if someone could spare a min to tell me what I am doing next as I have kinda lost the plot a bit this week!

 

Baby got chickenpox and was ever so ill and we ended up staying 2 nights in the childrens ward!

 

(Oh and in reply, just in middle of looking at child tax benefit etc, so hopefully that might make a bit of a difference!)

 

1) I have got a copy of the first letter saying they will come to visit along with my reply saying they are not welcome and everything in writing only,

with their reply saying it makes no difference - I am sending that to OFT?

 

2) This is where I got a bit confused, do I reply back to them now. Ironically, the same letter I sent for the M&S part they haven't sent a reply too. Yet.

 

3) Following the advice here, I am going to send off the £10 for the SAR reports on the Santander debt and another card I had

- but will as requested set up a new thread for that, as I know I am taking up so many peoples time here!!

Then I will hope to persevere with the PPI that I had.

 

Back home now after our little stay at the Hospital - least I didn't panic about door knocking in there!!

 

Again, sorry to ask people to go over it again

- I just got a little lost in what I was supposed to be doing.

[mannjasonp]

Hello

 

You will get plenty of regular contact from IQOR either by phone if they have your contact number or a deluge of rather intimidating and threatening letters monthly.

 

They, like many other debt collection agencies make it very difficult for you to communicate with them.

If your case ever went to court it looks very good on them as you will have several letters and IQOR would no doubt say you have made no attempt to reply to them.

Having sought professional advice in relation to my experience with them, DO NOT OPEN YOUR DOOR to them, they have no legal right to enter your property.

 

IQOR, if you care to browse other forums regarding them, are a company that buy debts from Banks, Building Societies and High Street Stores.

 

whoever you had a debt with they have got fed up with chasing after you and given it to IQOR who specialise in chasing people until the cows come home.

 

Go to a reliable Debt Management Advisory [use cccs or payplan or national debtline DO NOT USE A COMPANY THAT CHARGES a FEE

 

who will help you in repaying an amount each month which you can afford. [iF YOU DO OWE ANYTHING!!]

 

They will deal with any mail or calls you receive.

You will be given a Plan Number and two things happen.

 

Any mail you get from IQOR you post on to your Debt Management Advisory ,

any phone calls you get you simply quote them the name of who is dealing with your debt,

your plan number and hang up.

 

I am using one of the leading DMC's in the country[EDIT] and am totally stress free now

and paying an affordable monthly amount to suit my income.

 

I certainley was not going to ring 0845 premium rate calls to them either.

 

Hope this helps....

Edited July 20, 2012 by ims21
Company Name Removed

[joesoap]

Post 68 appears to be an advert for the DMC more than anything else; especially as it's a first posting. Yes, I know we all have to start somewhere.

[BASFORDLAD2]

Yes ignore Post 68 its an advert and should be removed, i have reported it

[ims21]

While some may choose a fee paying company there are free ones and there is no need to pay for Debt Management Services at all

 

Post #68 has been edited

[citizenB]

Hi broc, did Santander say why they had refused your PPI claim ?

 

If you would like to start a new thread for the PPI situation, then I will find someone who will be able to help you with resubmitting.

 

If you use the letter from the link below to go with your Subject Access Request, the company have 40 calendar days to comply. You will need to send £10.00 with your request. Post your request by Recorded or Special Delivery - keep both the posting receipt and if you are sending your £10.00 by postal order - keep the receipt for that as well.

 

http://www.consumeractiongroup.co.uk/forum/content.php?552-Data-Protection

[citizenB]

In respect of your debt situation over all - have a read of the following and perhaps contact one of the FREE agencies to help you organise your finances and debt repayments.

 

If you are experiencing difficulty in repaying your debts, CASHflow is a way for you to negotiate affordable repayments with your creditors. Before you can use CASHflow, you must have spoken to one of the free advice agencies licensed to offer CASHflow to their clients. The advice agency will start by talking to you about all of the options available, and can help you to decide if CASHflow is the right one for you.

 

If you decide to use CASHflow, you will be provided with all of the tools you need to be able to complete your own financial statement and negotiate offers of repayment with creditors yourself. This will enable you to stay in control of your situation, but still have support from an adviser at any stage if you need it.

 

You can contact a local advice agency to check if they offer CASHflow. You can find a list of free advice agencies that are near to you by searching for a money adviser in England or Wales, Scotland, or Northern Ireland.

Alternatively, you can call National Debtline on 0808 808 4000

CASHflow: http://www.cashflow.uk.net/

National Debtline: http://www.nationaldebtline.co.u k/

https://www.mymoneysteps.org/

Also as highlighted in the CAG newsletter...

There is the new CAB system that might also be worth a look, this system saves all your details, has guidance allowance figures to work with if you wish and you do not need to be invited / signed off etc with this system, just log in and away you go (see below)

 

(Also, there are a number of other self help tools and systems around so might be worth a little exploration if this is what you eventually decide on.)

 

http://mymoney.nedcab.org.uk/moneyadvice/

 

http://mymoney.nedcab.org.uk/moneyadvice/ (example of completed dmp)

[mannjasonp]

Post 68 appears to be an advert for the DMC more than anything else; especially as it's a first posting. Yes, I know we all have to start somewhere.

 

 

No it's not an advert for DMC, it's just that I found out that I didn't have to continue having sleepless nights worrying what I was going to do about a debt. There are plenty of other ways to resolve matters, like your local Citizens Advice although they only do the negotiating on your behalf wheras a DMC will take all your finances in hand.

 

I've discovered that these doorstep collectors or companies have a figure in mind what they want you to pay. They rarely take into account you still have to live. In short they don't really care what your circumstances are, they are purely out to recover monies due.

 

Thanks for your comment though

[dx100uk]

and prob that money goes right into their pockets

 

they also do not check if you do ACTUALLY owe that money.

 

before you go down that route

 

get a copy of your cra file [see below]

 

and do some investigating.

 

cca anyone first

 

dx