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

[BRIGADIER2JCS]

Tell Halifaxs numpties you require a totally new account or

get a quick basic account some where like the CO-OP Bank

transfer all fund and be rid of Halifax.

[Bazooka Boo]

Yep, shallowfax need to be got rid of.

An extremely questionable outfit who has no customer care at all, vote with your feet, take your custom elsewhere.

 

There is nothing for you to be worried about at all, you have all of the rights stacked in your favour, these clowns have none.

[spots1]

Hi

You must also tell halifax that you request no payment to be made to the said dca...make sure you send a copy in writing to them.

 

Enjoy your newborn .

[brooc93]

Hello again,

 

Sorry to be a pain!

 

I've had another letter this morning from the lovely IQOR regarding the other debt I have for a much lesser amount with a store card saying a lovely doorstep collectior will be visiting by home unless I ring to avoid the action.

 

Can I have some advice what to do - ring them, or send them the letter?

 

I'd be very grateful - last problem, I promise.

Prob be the same bloomin man to come back!

[BRIGADIER2JCS]

OK send the following to their compliance manager.

 

RefXXXXXXXXXxx

 

Dear Sir or Madam.

 

Home Visits.

 

I have received your letter dated xx xx xxxx threatening a visit from one

of your charming doorstep collectors, unfortunately I have to withdraw

all permissions implied or explicit for any person representing your

company to enter upon my property, also no telephone contact must

cease and I will deal with all and any matters in writting only.

 

Rd this.

 

Alternativly send:

 

Dear Noddy and Bigears,

In refecence to your threat to send another

charmless nirk to my property with intent to

extort money from me, please be aware that

any such unauthorised oik will be removed in

the same manner as a cat that has just Cr**ped

on my lawn ie with the toe of a boot.

[lilly white]

let me be clear.........

........they cant,

I repeat they cant call, unless you are happy for them to call.........

........However you say there are 2 accounts that these people are handling...

It would seem that these people are acting on behalf.....

...so do not enter any conversation what so ever........

.......if you wish we can go through due process

.i will keep a watch

[brooc93]

Thanks

- I have quickly done another letter and will send it recorded delivery to them tomorrow.

I did a letter for the M&S account, but will send the other one in the morning.

I know this is my mess - but this is so bloomin stressful!

 

I would like to say I will be all strong and tell them to bugger off when they come to the house,

but it is likely I will get all tongue tied and weepy

- so will avoid opening the door probably.

 

What a horrible company this lot are.

 

Perhaps I should tell him to share out some of the £80 he conned out of me last week to pay the other debt!!

Seriously, thank you - will send the letter first thing.

 

I did the letter that was on page 1 of this thread

- do I use that longer one or the shorter one that was really kindly posted this evening.

C x

[BRIGADIER2JCS]

Use the 1st in post 30 or both if you want a laugh.

Please do not let these purile morons get to you

they have no powers no authority what so ever!!

[Bazooka Boo]

Once you have sent the latest letter, then send no further correspondence to them, Idiot iQor are petty clowns, you do not have to deal with such incompetence, besides it is fruitless, you would be better off writing to lord lucan for all the good it will do.

[BRIGADIER2JCS]

Lucan here you called Boo:madgrin:

[Bazooka Boo]

Lucan Can you bring back Shergar please.....?

[brooc93]

Thanks - I do just worry especially with the M&S debt re being dragged to court and locked up Going to visit my mum next week with the baby so he can come knock on my door til his heart is content for a little while...lol.

Blimey - 2nd night in a row I have needed wine. And chocolate.

[BRIGADIER2JCS]

Lucan Can you bring back Shergar please.....?

Unfortunatelt the nag was sold in Belgium, with mayonaise and chips:jaw:

[BRIGADIER2JCS]

Thanks - I do just worry especially with the M&S debt re being dragged to court and locked up Going to visit my mum next week with the baby so he can come knock on my door til his heart is content for a little while...lol.

Blimey - 2nd night in a row I have needed wine. And chocolate.

 

DEBT IS NOT A CRIMINAL OFFENCE if it was 99.9% of the world would

be banged up.

[intend]

How about pinning a copy of the letters on the outside of the door and then when they come knocking - just ignore.

 

If it is someone you need to speak to, ie friends - then tell them to give you give you a quick ring.

 

In the old days you could pore boiling oil on them, or you could lob some soiled nappies in their direction.

 

And please stop worrying - I know itis easy to say and much more difficult to do, but reading your thread you have some very good people on board to guide you

 

Intend

[Bazooka Boo]

Thanks - I do just worry especially with the M&S debt re being dragged to court and locked up

 

I missed that.

 

You CANNOT go to jail for being in debt, as Brig said, it is NOT a crime to be in debt, if that were the case, half the politicians who try and run the country would be locked up, including my local constabulary who has 2 CCJ's awarded against it.

 

Going to jail for being in debt is the same as being scared of debt collectors, it aint going to happen.

[brooc93]

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

[unclebulgaria67]

Write back to tell them that if anyone calls to your door again regarding this, you will treat this to be deliberate intimidation and will immediately call the Police to complain of threatening behaviour and harassment. I believe that if you are vulnerable and are likely to be affected by such visits, then if you write to them making this clear to them, then they should not send a doorstep collectors.

[dx100uk]

why bait them.

 

simply write back and state that they are NOT bailiffs in anyway shape or form

nor do they have any legal powers whatsover.

 

should you call again, i will be conacting the police without notice.

 

dx

[brooc93]

Do you think just to write back to them again then DX with that info. What I didn't want to do was to write back without knowing properly what they can do, if they are correct as they say in the letter.

Thanks for helping me!

[brooc93]

I hope they dont send him around again UncleBulgaria!! - was hoping they would see i meant business with the letter....evidently not!!

[dx100uk]

just be clear..

 

you are under NO legal obligation to converse wih anyone regarding money at your door.

they most certainly do not have any legal powers whatsoever.

 

your CAT has more rights.

 

as said call the police

 

quite honestly i'd w that email onto the OFT/FOS/ etc etc

 

that is NOT correct

 

dx

 

 

its YOUR HOME!!

[rebel11]

Hi brooc

 

Print off this letter, place the letter in an envelope. Keep it near the door, if he calls, just hand it to him. Send him on his way.

 

http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT

[brooc93]

Hey,

That is the letter I sent to them recorded delivery, and this is what they say doesn't apply to me.

Just got a feeling they will send the nice man (!) around again to prove a point.

 

I would ignore the door but everytime the door bell goes it either makes my baby cry or he squeels at the noise so he will know we are in...lol.

 

Ohhh why isn't life simple??

[dx100uk]

well take the batteries out of the doorbell then!

 

dx