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Owe Debt with QDR Solicitors? Here’s What You Must Know

Have you recently received a letter from QDR Solicitors, regarding the debt that you still need to repay? Or, maybe they have contacted you over the phone and sent multiple text messages for the debt payment? Then, it’s high time, you should definitely start saving money from the unwanted monthly expenses, to pay the debt, within the estimated time. Even when you won’t respond to their letters, calls, or messages, they might start threatening you with court action or other enforcement measures. 

Did you previously take a lump sum amount of money from this debt collection agency and right now you are unable to pay it? Then, you can still avoid court orders; there are multiple ways to do that. 

But, if you don’t owe money from QDR Solicitors, and still they are contacting you, you should immediately take legal action against them. But, before taking any further decision, it’s important to acknowledge how this company mainly deals with the debt-payers and how to write off their debts. 

QDR Solicitors: Who are they and How to get rid of the Debt Collectors?

QDR Solicitors is a UK-based debt collection company who is governed by the Financial Conduct Authority (FCA). And, this company has the right to collect debts from the organizations based in England, Wales, Scotland, and Northern Ireland. 

Basically, they buy debts from the other trusted companies at a reduced rate for their profit. Afterwards, with the help of the debt collectors of the QDR Solicitors, they unexpectedly break into the debtor’s house to collect the debt. This company has also deployed an experienced field-worker, who will forcibly enter your house to get the remaining debt amount. 

But, they will only visit your residence when you will ignore their letter. In most instances, the majority of individuals tend to overlook their letter or call, and this tends to adversely affect their lifestyle. 

So, you should consider paying their debts beforehand to avoid negative consequences. QDR Solicitors is a firm of solicitors who have been dealing with the debt-payers for more than 174 years. 

But, hold on! There is yet nothing to fret over. Because paying a debt only becomes strenuous when you will fail to lead a life within minimum expenses. The financial situation, the debt number, and the amount will completely determine the duration that is required to get out of it. 

So, if you are planning to shift to a new apartment, it’s obviously not the right time to do that. Especially when you have a bulk amount of money to pay to the QDR Solicitors. Instead of investing money on an unwanted item, add that money in the monthly debt payment, that might help.

Are QDR Solicitors an Authorized Company?

Yes! QDR Solicitors is one of the most reliable debt collection agencies, located in Leamington Spa, Warwickshire. Moreover, they are registered under the Solicitors Regulatory Authority as well. Not only this, this company is associated with the Credit Services Association and has successfully undergone the Collector Accreditation Initiative tests. 

Mainly, the Collector Accreditation Initiative is an online test specially designed for measuring the collector’s knowledge and experience. So, if you are thinking of ignoring their debt collectors, it won’t be that easy. You should definitely take immediate action before the debt charges increase, due to your negligence. 

Do QDR Solicitors Have the Right to Buy Debts from Other Companies? 

You might not be aware of this but QDR Solicitors effectively handle the debts that are driven by other companies. And, in most instances, the company associates purchase a large amount of debt, within a reasonable price, for business enhancement. But, if the QDR Solicitors fail to pay the debt within the deadline, then obviously they won’t get any profit. 

From which companies, QDR Solicitors Mainly Buy Debts?

With the emergence of the companies, such as QDR Solicitors, collecting debts on the behalf of other companies has become easier. And, this includes the UK-based financial institutions, building societies, and a vast number of available banks. 

Even, utility, mobile phone, and catalogue companies also fall under the list. Here, we are compiling some of the major organizations which are linked with QDR Solicitors:

  • Power
  • EE
  • Virgin Media
  • O2 and other companies

When QDR Solicitors Debt Recovery will Contact You?

If QDR Solicitors have recently contacted you, then, first, don’t panic. There are numerous ways by which you can take your life back to its normal track. And, they will only contact you when you will owe a certain amount of money, which you have failed to repay. 

The members associated with QDR Solicitors debt recovery mainly work as a middleman between the debtors and creditors. So, if you have recently borrowed money from an organization and didn’t pay back, within the stipulated time, they can further contact QDR for collecting the debt. So, make sure you have followed all the necessary orders pursued by the creditors, as it can negatively affect your credibility in the coming days. 

What Actions can be Carried out by QDR Solicitors?

Before proceeding with any further action, QDR Solicitors will consider a few factors. And, this includes, the amount of money you owe, the last duration of paying it, and whether there is a probability to pay it. 

Debt collection agencies won’t write off the debt until you have paid it, or they have taken further legal steps. Moreover, even if you owe a lower amount of money, they won’t compromise with that. So, cooperate with them; that’s the only way you can get rid of the debt without taking up the hassle of going to courts. 

Initial Steps Followed by QDR Solicitors for the Debt Collection Process

At first, you will get a letter at your postal address from QDR Solicitors. And, in that letter, usually, there will be the total debt amount mentioned, and the time to pay it. Even, you will find the details about the additional charge that you have to bear if you fail to pay the debt. Ignoring the debt might be tempting, but if you don’t pay the entire amount, they will call you. 

Wondering how they can get your number? Well, they intervene in the debt collection process, only after gathering every detail about you. This includes your residential address, phone number, the amount of money you owe, and even they collect every detail about the creditors, from whom you owe the money. 

Ultimately, if you don’t receive their call, that indicates they will take their final step, which is availing a CCJ order.

Wait! Hold on for a second! Don’t consider getting an IVA or any other debt-solution when you are already entangled with various other issues. So, if you are unable to pay the entire debt, opt for a repayment plan with QDR Solicitors, to avoid further inconvenience. 

However, you can also put an end to the debt payment process, if you don’t owe money that QDR Solicitors are forcing you to pay. 

Can QDR Solicitors Send Bailiffs to Seize the Properties?

Fortunately, this debt collection company only has the right to send debt collectors to the individual’s house. But, they haven’t yet acquired the legal right to send bailiffs for seizing or selling the belongings in order to pay the debt. 

Only, the court authorities can send bailiffs to your house and it won’t take place until they have the CCJ order. So, in a nutshell, it can be exemplified that debt collectors don’t have the power that the court-appointed bailiffs have. 

What QDR Solicitors can take Away? Is there any Chance of Seizing One’s House?

No! QDR Solicitors won’t take away your home suddenly, without prior notice. Moreover, they have to consider the court’s support for seizing your possessions. But, when you won’t pay the money even after calling and reminding you for quite a long time, then you will end up going to court. Due to the court order, you will eventually lose the accessibility to your house. So, pay the debt before it gets too late!

Can QDR Solicitors Apply Attachment of Order?

Probably, right now you might be thinking what are the consequences that you might have to face for not paying the money. And, an unexpected implementation of the Attachment Earnings Order by the court always remains on the top. When QDR Solicitors will issue an AEO against you, this simply implies that the remaining debt amount will be directly deducted from your monthly wage.

Is There any Possibility to Ignore QDR Solicitors?

Obviously, you can ignore this debt collecting company, but the end result that you have to face might be cumbersome to overcome. If you have already decided not to pay the money or refuse to talk with them, then think about how you can overcome the dreadful consequences that are lined up. 

However, if you have enough money to clear off the debt, it’s worth speaking to the QDR Solicitors to get out of the situation. The majority of the debt collection agencies in the UK are always ready to help the debt-payers in their crisis situation. This is the primary reason why they offer a plethora of affordable payment plans that will be beneficial to individuals.  

Is There Any Possibility to Stop Getting Calls from QDR Solicitors?

You can stop receiving calls from QDR Solicitors, and for that, you simply need to send them a Cease and Desist letter. But, it will be only applicable when you don’t owe any debt or have recently paid the entire debt amount. 

Thinking about how to send a letter? Looking for a reliable and assured platform to send a Cease and Desist letter? Simply, consider sending it through Recorded Delivery, your written letter gets recorded over there. This will act as evidence if QDR Solicitors tend to disregard the matter in the future. 

Once they receive the Cease and Desist letter, they don’t have the legal right to further contact with the debtors. However, there is no other way to prevent QDR Solicitors from selling the debt to another debt collector. And, if they do so, the debt collector, who has recently bought the debt, will definitely contact you. 

Don’t Owe Money from QDR Solicitors?

Are you getting calls or messages from QDR Solicitors even after not owing money to them? Then, it’s high time to check the possible instances when this debt collection company will mostly contact you. 

At first, it’s important to mention that they might have made an administrative error for which the debt letter was sent to your address. Even, at times, you might receive a letter, but with incorrect information such as improper debt amount, bank account details, and much more. 

Alternatively, when QDR Solicitors won’t get the information about the debt payment that you have recently made, you will receive calls. Therefore, you should always keep all the debt payment details with you, when their debt collectors will show up. 

After a certain period of time, the debts will eventually become unenforceable. In the UK, a debt generally gets obsolete within 6 years and in Scotland, it takes 5 years. And, within this duration, QDR Solicitors might contact you, if you don’t pay the estimated amount of debt, within the given time-frame. But, if you don’t owe any money, simply ask them to provide the evidence. 

Unable to Make the Monthly Debt Payment? Here’s What You Should Do

If you are unable to afford the monthly payments, consider contacting QDR Solicitors. Even, it’s worth speaking, by the time they have contacted you, for paying the money that you owe. In most instances, after checking the financial situation of the individual, they agree to the debt being paid in instalments. Also, once you speak to them, this might stop them from harassing you with frequent letters, phone calls, or visits. 

When QDR Solicitors will Write off the Debt? 

QDR Solicitors will only write off the debt when your financial situation will get worse, as a result, you won’t be able to pay the money. Additionally, when taking help from the court will not be a viable solution, they will automatically write off the debt. 

But, based on the personal circumstances, they will determine whether the entire or a partial amount of the debt will be written off. They will opt for implementing the following debt solutions for:

  • Individual Voluntary Arrangements
  • Debt Management Plans
  • Insolvency including Bankruptcy
  • And, Debt Relief Orders

Simply, go for the right payment plan which will be affordable enough at the end of the month. But, don’t make partial payments to a debt collector, especially when they have come to your house to forcefully collect the money. But, if you do so, make sure you have got a receipt for the partial payment. 

Pay the Debt to QDR Solicitors Using Credit/ Debit Credit

Being one of the largest debt collection companies, QDR Solicitors gladly accept credit and debit cards for the debt payment. Additionally, you can also opt for paying the entire amount through cheque or direct debit. 

But, before paying money via credit card, make sure you have the capability to overcome the detrimental scenarios that might arise in the coming days. Even, the credit card company might charge an additional rate of interest, or you might even have to face worse scenarios.