Wescot now IQOR

feature59

Hello,

I have a debt with lloyds that was passed over to westcot. I sent them a letter with a full and final. They came back with this response

"we previously advised that one of the actions we were pursuing was a Door Step Collection visit to collect the outstanding balance...as your account has been passed to our agent all future correspondence and communications should be directed at IQOR in the first instance until further notice"

I dont want one of these clowns coming to my door. I have opened dialogue with Westcot which has been ignored. The only thing I have had from IQOR is texts and calls and I refuse to talk to them by the phone.

What should I do, I have 50% to offer them as a f&f (few weeks ago westcot offered this anyway) should I pre-emptively write to IQOR and explain or even contact lloyds and try and go over all their heads.

Should I just phone IQOR and make the same offer again?

just as a note, I have had zero contact with IQOR and i specifically said to Wescot i wanted communication by mail but now getting calls and texts off IQOR left right and centre. I know I owe this money but have not requested a CCA or SAR (debt is from a student overdraft opened in 2006, closed 2010 due to default) and if so who do I send it, can IQOR send a door step person if I havent even acknowledged the debt?



For the first time Im really concerned about thuis, any help would be greatly appreciated.

Many Thanks

Tom

awayinchina

Ok try contacting westcot and offer f&f at 50% if they then push you towards IPQR offer them exactly the same and if you have the letter from Westcot present that to IPQR.
Make sure you get in writting the 50% payment is Full and Final settlement. account marked as settled, default balance set to zero.
and the account is closed.
To be honest if you have the 50% to pay it does not matter which one you pay as long as you get the wording correct prior to payment.

this is a letter I sent to Wescot:


Dear Sir/Madam,



Further to my communications dated 02/07/2012, 28/05/2012and 15/05/2012 and numerous other communications.

I am looking to settlethe account in the near future and I have been enquiring as to what percentagepayment would be accepted as a full and final settlement for this account.

However, it seems my requests for this numerical figure havefallen upon deaf ears. I am now asking:

1. Is this account still active or has it beenclosed/ sold on / passed on to another DCA (basically what is the actual statusof the account, withholding accurate status on request and not presenting thefactual status of the account can be construed as misleading and unfairpractise under FSA and OFT code of conduct).

2. Should the account be still active what is thepercentage value that would be accepted as full and final settlement.

3. Should this account be presented at County Court all communications by myself and lack of communications by wescot will be presented along with all communications with the original creditor who has been included in all communications to wescot. Which will highlight the lack of effort by wescot to settle the oustanding debt.



Kind regards