Help needed Iqor

littlepinkstars44

Thanks for the replys. It's given me something to think about. Could i send them a cheque for £1 every month? With a completely different bank now, so would they get my new account details from a cheque?

No they don't discuss anything with my mum, my mum knows to say i'm not in etc, i do the same for her when someone phones looking for her. They just ask to pass on a message to phone back with a ref number etc. The calls aren't harrasment, they only phone once in a blue moon really. But i would like to try writing to them again saying i want all contact to be in writing from now on, when i did this before they refused it.

I don't know if the account is still open, i do recieve a statement from them every month, don't have a card for the account or anything though.

FTW

littlepinkstars44 wrote: »

Thanks for the replys. It's given me something to think about. Could i send them a cheque for £1 every month? With a completely different bank now, so would they get my new account details from a cheque?

No they don't discuss anything with my mum, my mum knows to say i'm not in etc, i do the same for her when someone phones looking for her. They just ask to pass on a message to phone back with a ref number etc. The calls aren't harrasment, they only phone once in a blue moon really. But i would like to try writing to them again saying i want all contact to be in writing from now on, when i did this before they refused it.

I don't know if the account is still open, i do recieve a statement from them every month, don't have a card for the account or anything though.

I wouldn't send them a cheque - that's giving them your signature, and DCAs cannot be trusted with signatures.

Harassment is what you make it - if you don't want them to phone, tell them not to phone in writing.

And if they ignore your letter, report them. It doesn't matter what they refuse - you set the agenda and how you deal with them, not the other way around. They should be thankful you're even dealing with them at all.

PARIS_5000

littlepinkstars44 wrote: »

Opened it 4 years ago. They took it off me, told me i had to pay the full amount back as it was no longer a student account anymore. Couldn't pay it, so it got passed onto Iqor. I am still a full time student, so no idea why they took it off me.
I can afford more than £15 a month, but there is no interest being added to the account, where as i have other debts at 34.9% that i would much rather pay off first, so i keep telling them £15 is all i can afford.

I did originally set up a DD with them, but on the first payment they took £115 out of my bank instead of the £15, took them 2 weeks to give me it back, leaving me with nothing for the whole 2 weeks! So i'd prefer to phone every month and pay now instead, as i do not trust them!

I have in the past asked them to keep all correspondence in writing, but they refused that completely!

Set up a standing order for a fixed amount then you will not need to phone them to make payment.

littlepinkstars44

PARIS_5000 wrote: »

Set up a standing order for a fixed amount then you will not need to phone them to make payment.

Can i set that up online? I'll need their account details though won't i?

FTW

littlepinkstars44 wrote: »

Can i set that up online? I'll need their account details though won't i?

Shouldn't be too difficult to find those out.

SO will at least put you in control of what you pay, and not them.

Purely for their greed, I'd reduce it to £1 a month, and use the remainder to pay your other creditors and get those out of the way sooner.

Under no circumstances agree to set up a Direct Debit - you WILL find your account emptied out if you do.