It’s not a good decision to ignore a debt letter sent by QDR Solicitors. Yes, their initial request letters might not display any forceful intention towards you to settle the debt. But, Ignoring them can turn into a complicated situation where you might not be able to resolve it easily.
So, you might be wondering what options you have when dealing with QDR Solicitors. Keep reading to understand what your options are.
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Have you been contacted by QDR Solicitors?
You might get surprised if QDR Solicitors, a debt collection company you never heard of, is reaching out to you for the first time. These QDR debt collection agents can become highly persistent when collecting outstanding dues from their clients.
But being afraid to deal with them is not an option. Therefore arm yourself with accurate information to defeat them in their own game.
Who are QDR solicitors?
QDR Solicitors are a debt collection agency based in the UK. Their primary task is to recover overdue or defaulted payments on behalf of various businesses and organisations.
They are a member of Wright Hassall LLP, one of the UK’s oldest solicitor firms(174 years and still counting).
Are QDR Solicitors Legit?
It is natural to wonder how legitimate this QDR Solicitors cooperation is since it concerns your debt. QDR Solicitors are fully licensed to engage in the practice and are a legitimate group. And they are a legal debt recovery firm.
Below are some of the facts that might help you verify their legitimacy.
As you can see, QDR Solicitors is a legitimate company that does its operations inside the UK. Therefore it’s better to take their debt collection letters seriously.
Does QDR Solicitors Purchase Debt from Other Businesses?
Yes, they do. QDR Solicitors purchase debt from other companies. They purchase these debts in bulk for a fraction (5% to 65% discount) of the total debt. And then chase after the debtors to recover the total debt amount to gain them a huge profit in return.
In addition to that, they fall between the debtor (you) and the Original Creditor (the person you owe money to) to play the role of the mediator most of the time.
Who do QDR Solicitors Collect for?
There is no specific industry which QDR Solicitors focuses on when it comes to collecting debts. Thus they have a number of clients from various business industries to collect debt on behalf of them. But most of their customers are from below business sectors,
- Individual businesses
- Financial institutions
- Utility companies
- Large corporations
- Telecom service providers
- Parking companies.
Their clientele encompasses prominent UK businesses, such as:
Why is QDR Solicitors’ debt recovery team reaching out to me?
You’re likely being contacted by QDR Solicitors because you owe money to one of their clients. The debt could be anything from unpaid credit card bills to loans or even parking fines.
Your Original creditor might have assigned your case to them due to failed recovery attempts by them. Plus, it consumes lots of time.
Or your Original creditor has sold your debt to QDR Solicitors as they are tired of reaching out to you asking to settle the debt.
In rare situations, they might send you debt letters or try to notify you by mistake.
You could still get notified,
Why debt collection can ruin your life
It is very important to handle this entire situation before things get complicated.
Below are some of the ways that debt collectors like QDR Solicitors could ruin your day-to-day life.
Thus, we strongly suggest you handle this issue as soon as possible if you don’t want,
- Massive stress
- Or your credit score and future financial plans to get derailed.
Potential actions by QDR Solicitors: What should I look out for?
The approach undertaken by QDR Solicitors hinges on several considerations, such as encompassing the owed amount and the feasibility of debt repayment. You should be aware that debts aren’t usually dismissed (written off) easily, even if the owed sum is modest.
The QDR Solicitors might persistently engage in creating a stressful environment around you to make you lure into paying. All these activities happen only if you do not respond to their requests properly.
Understanding the debt collection process of QDR Solicitors
QDR Solicitors collect debt in a structured manner. Below are some of the general steps they are going to use in recovering debts.
As you can see, It’s not a flowery road you could ride on if you ignore their requests. There is plenty of time in between these procedures. Thus it is better to get in touch with them to find a solution before things escalate to this extent.
The possibility of a bailiff showing up at my residence
Don’t worry. This will only happen if you avoid contact with them after receiving CCJ conjugation. As I mentioned before, they should take new court order containing a warrant or writ of conduct to use bailiffs (enforcement agents) to visit your home and size your belongings.
The seized items will be stored in a warehouse for some time and eventually sold in an auction to recover their total debt and all bailiffs’ charges.
Keep in mind debt collecting agents of QDR Solicitors and Baillifs are two of a kind. Thus QDR Solicitors’ debt collection agents do not have legal authority just like bailiffs do. Therefore, always request their ID before letting them into your home.
You have the right to not to open the door for QDR Solicitors agents. And you can even tell them to leave; by law, they have to honour that request. Plus, You can even call the police on the QDR Solicitors agents if they try to harass you, threaten you or even try to enter your premises without having your consent.
Is it possible for QDR Solicitors to seize my property?
Yes, it is possible in extreme cases if QDR Solicitors get a warrant of control from the court to use bailiffs.
Once again, this is a last resort move after trying every other option to recover the debt you owe. Something of this scale to happen, the Solicitors must take you to court and obtain a CCJ (explained above) first.
If they win, there is a potential that you could eventually lose your property in time if you do not settle the debt, including your house. For this to happen, the court must recognise that you have not paid the money that you owe.
I have a QDR Solicitors parking fine – is it the same company?
Yes, a parking fine from QDR Solicitors will be from the same firm. As I mentioned before, they often represent parking industry clients who have trouble collecting unpaid parking fines.
What you need to do once you get a parking fine is to try your best and pay it within 14 days. This way, you will get a discount as well!
Or you could reach out to them and discuss getting an agreement for a payment plan if you find hardship in paying the parking fine through a single payment.
Sometimes getting agreeing to settle the debts and fines is the best way forward as it does not make your life vulnerable financially.
Could they implement an Attachment of Earnings Order?
The QDR Solicitors agents can apply for an Attachment of Earnings Order if they have a CCJ against you and you keep ignoring it. This will happen if all other ways to contact you and collect the debt have failed. This can order your employer to deduct a certain amount from your salary to pay your debt.
Your employer will be contacted for this, and arrangements will be made so that a certain portion of your monthly wages will be taken directly to pay your debt. You will receive what is left of that sum.
Can I ignore communications from them?
Yes, It’s possible, but ignoring communications from QDR Solicitors is not a clever way to go about it. Doing so can complicate the situation, leading to more severe consequences, including court proceedings.
They will always try to collect the money that you owe. Open communication and cooperation can make the process less stressful and more manageable.
Could I experience harassment from QDR Solicitors?
Technically NO, You are protected against harassment by the Solicitors Regulation Authority’s and Financial Conduct Authority‘s guidelines which every solicitor, including QDR Solicitors, must follow. You have the right to make a complaint if something unlawful thing happens during your interaction with them from their side.
First, it is advised to make the complaint to QDR Solicitors’ head office with provable proof in hand about the issue so that they can solve it internally.
As a secondary step, You can lodge a complaint against them to Financial Ombudsman Service (FOS) if you feel like they have not solved your issue.
Can I request QDR Solicitors to cease all contact?
Yes, and NO. Below are the two reasons for it,
- Yes -You can, but only if the allegations brought against you by QDR Solicitors are false.
- No – Since QDR Solicitors have the right to reach out to you and ask to settle the debt if the allegations are true.
But there is a catch. You can state to them that you prefer to do all your communication only via mail. And they are bound by law to honour that request and continue communicating through the mail.
In this way, you can buy some extra time to find a reliable solution for the debt issue as well.
Do I really owe the money?
There are some facts that could help you to verify whether you really owe QDR Solicitors.
Below are some of the reasons that could be the cause for QDR Solicitors to get in touch with you mistakenly.
- Administrative errors.
- You may have already settled the debt with your last creditor, but they have not updated your debt status.
- Debt is true, but the amount they claiming is false.
- Wrong address
- The last person who lived in your home owes them but has forgotten to update the new address.
Likewise, many reasons can become cause to make this mistake.
Your debts will not be legally enforceable if the court declares it sorts under the statute barred category.
There are three factors which need to be fulfilled simultaneously to get this excuse. Namely, They are as follows.
Just because you received a Statute-Barred excuse does not mean your credit history will be cleared with it. This will negatively impact your credit history. And it will cause difficulties for you to get new loans and credit cards in the future until you settle the debt.
Also, keep in mind that not all debts are sorted under the statute-barred category. Debt like HMRC debt will last decades and be enforceable.
Else you will end up paying QDR Solicitors at some point in time If non of these options work for you and the debt is true.
How to establish a viable financial budget
The first thing you should do is to calculate how much money comes into your hand as income and how much you need to spend each month. It’s better to note down each expense and income separately to calculate this effectively.
Or You can use online budgeting tools or consult a financial advisor to create a realistic and effective budget.
There is no point in agreeing to a payment plan where you cannot afford it. Thus it’s really important for you to have a realistic budget where you can balance all your expenses and keep sticking to the payment plan.
There are a number of debt charity organisations where you could gain some help if you feel like it’s impossible to manage this debt issue alone. We have included a list of institutes in the later part of this article where you can take free debt advice.
What to do when unable to afford the payment?
The key is to communicate in moments like this. Let QDR Solicitors know of your difficulty, don’t stay silent. They will then create a better payment plan that you can afford.
There are some other options that you could use to solve this issue. Thus keep reading to find out them.
Steps to set up a suitable payment plan with QDR Solicitors
There are some people who choose to pay off the debt with a single payment and get done with it.
Communicating openly and negotiating for a plan that won’t complicate your financial situation is important. Thus it’s better to inform QDR Solicitors with a repayment plan that fits your financial situation. And let them know of your commitment to paying the debt.
Surely they will grant you will be able to get a payment plan that fits your current financial situation. But there is a chance for you to receive a payment plan that you cannot afford at all. In that case, you are allowed to discover all other options available to solve this issue.
You can ask for help from charity debt organisations like StepChange to help you in finding all those options.
Is it possible to make a partial payment to QDR Solicitors?
Yes, it is possible, but it won’t take away the responsibility to pay the full debt to QDR Solicitors. Always make sure to communicate with them.
You are advised not to pay a partial payment to a debt collector who visits your home nonetheless any threat or promises they make towards you.
Plus, keep in mind to take a receipt for each and every partial payment you make for them.
There are instances where debt collectors accept your partial payment as the full amount and confirm it as the final payment of your debt.
In those instances, make sure to get written consent from QDR Solicitors agents on a legal paper that they promise,
- They have confirmed your partial payment as the final payment of the debt.
- And indeed, they accept this partial payment as the full debt settlement, and the agents of QDR Solicitors will not ask you to pay further in the future.
Do not even consider making a partial payment to QDR Solicitors until you receive their consent.
Can I make payments via credit cards?: Do QDR Solicitors accept credit cards?
Yes, you can make credit card payments. But the downside to this is it can lead to further debt, so you must be careful.
You should know that paying a debt via credit card does not reduce the debt you owe to QDR Solicitors. It simply transfers your debt from one place to another.
And on top of that, you might end up paying more to the credit card company if they charge you a higher interest rate making the situation worse.
Methods to write off your debt: What are my other debt options?
There are a number of debt solutions available in the UK that you could use to get relief if you cannot afford the QDR Solicitors payment plan. But you need to fulfil certain unique conditions in order to gain acceptance for each debt solution.
Following are a list of debt solution that are available in the UK.
A Debt Management Plan (DMP) serves as an informal debt resolution method enabling simultaneous repayment of multiple non-priority debts. Remember, its informal nature means it lacks legal enforceability.
It’s possible to engage in discussions with your creditors. The aim of this discussion should be to secure reduced or suspended interest rates.
However, remember that your terms might not necessarily align with their agreement.
An Individual Voluntary Arrangement (IVA) constitutes a legally binding contract between you and all your creditors. You make a single monthly payment that gets allocated towards all your lenders’ debts through an Insolvency Practitioner.
In return, your creditors commit to refraining from pursuing your debts or initiating contact throughout the IVA’s duration.
Any remaining debts will be written off following the expiration of your IVA.
To be eligible, you must demonstrate a consistent disposable income each month. Additionally, you need to exhibit unsecured debt amounting to several thousand pounds owed to multiple creditors (more than one).
A Trust Deed serves as the equivalent of an IVA in Scotland and operates under the same principles.
You might meet the requirements for a Debt Relief Order (DRO) if you have debts but lack substantial assets and have a limited income.
You are not required to make any debt payments for a period of 12 months upon the acceptance of your application.
Throughout this duration,
- creditors are prohibited from reaching out,
- and they are obliged to suspend interest accrual on your debts.
Your financial situation undergoes evaluation following this year. And there is a chance to write off your debt if there hasn’t been any significant improvement.
Choosing to apply for Bankruptcy or Sequestration (in Scotland) typically should be your last resort. Plus, This solution is best for people who have a number of substantial debts and no viable means of repayment.
Bankruptcy offers the potential to discharge a significant portion of your unsecured debts. But it’s essential to recognise the gravity of this financial step and should approach it with the utmost deliberation.
Applying for a Minimal Asset Process bankruptcy (MAP) could be acceptable for individuals in Scotland with limited assets and a modest income. This route is comparatively simpler, more cost-effective, and faster than traditional sequestration.
I’m too embarrassed to call QDR Solicitors
It is normal to feel afraid or ashamed when dealing with debt. But it will always lead to being financially free. Don’t worry; the QDR Solicitors are incredibly professional and only responsible for debt recovery.
They will not make things uncomfortable for you. It’s because they generate their revenue from the debt recovery process. Thus they will not do anything to make you uncomfortable when persuading you to end up paying in the end.
How can I lodge a complaint against QDR Solicitors?
QDR Solicitors need to follow strict guidelines when conducting debt collection practices. Its because they are authorised and regulated by the Financial Conduct Authority (FCA) and Solicitors Regulation Authority (SRA)
You can lodge a complaint against them if you feel their behaviour is inappropriate or unethical.
At first, it’s better to make the complaint with provable proof in your hand to QDR Solicitors headquarters, giving them a chance to resolve it internally.
Where Can I Get Free Debt Advice?
There are a number of Charity Debt organisations that offer debt advice for free. You can take their aid if you find hardship in dealing with QDR Solicitors alone. Thus do not wait until things escalate to a situation where anyone cannot help.
Listed below are some famous UK-based non-profit organisations you can go to,
- National Debtline
- Citizens Advice
- Community Money Advice
- StepChange Debt Charity
Contact information for QDR Solicitors
If you want to contact QDR Solicitors for any concerns or discussions about your payment plans, you can do so through their website, email, or post. You can find their contact information below as well.
|Phone number:||01926 758736|
|Postal address:||Olympus House, Leamington Spa, Warwickshire, United Kingdom, CV34 6BF|
Will they ever stop pursuing it?
QDR Solicitors will stop coming after you once they have settled on a proper payment plan or have fully collected your debt.
But they will start coming after you again
- QDR Solicitors is a valid UK debt collection agency. They tend to communicate with their debtors regarding owed debts and possible legal measures.
- You should explore Debt Solution options available in the UK if you find difficulties in settling the debt with QDR Solicitors.
- Numerous UK individuals have been able to write off some of their debt with various debt solutions.
- QDR Solicitors are not bailiffs. Thus cannot enter your home or seize your belongings unless they are bailiffs with a warrant issued by a court in hand.
- Prior to interacting with QDR Solicitors, it’s possible to demand debt verification, establish a budget, or consult organisations such as StepChange for guidance.
The Wright Hassall LLC owns the QDR Solicitors company. It is one of the oldest firms that has been in the debt-collection business (174 years and counting).
Yes, QDR Solicitors company is authorised and regulated by Financial Conduct Authority (FCA) under reference number 721508. Moreover, the Solicitors Regulatory Authority (SRA) also regulates them under License number 560560.
Yes and no. It is yes when your debt is proven true. You can settle the debt by a single payment to QDR Solicitors if you have the capability to do so. Or else you could request a payment plan by giving them enough reasoning.
And the answer becomes no when QDR Solicitors fails to prove that you really owe them or your debts aren’t enforceable by a court.
No, there is no record of using QDR Solicitors by HMRC to collect unpaid tax.
Yes, QDR Solicitors is known for purchasing debts from other lenders in addition to collecting debts on behalf of other businesses and organisations.
Ignoring a debt collector like QDR Solicitors might lead to severe consequences. Ultimately, you will be taken to court to solve this issue. The court will issue a County Court Judgement (CCJ) against you. It will last 6 years in your credit history if you do not settle the debt before passing 30 days of issuing CCJ.
The CCJ will negatively impact your credit history, making it harder to take new loans and credit cards in the future.