QDR Solicitors Debt Recovery – Should You Pay? 

Are you feeling worried after getting a letter from QDR Solicitors about a debt? You’re in the right place for answers. Each month, over 170,000 people come to our website for advice on matters just like this one.

In this guide, we will cover how to:

• Check if the debt is really yours.
• Learn if you can avoid or ignore QDR Solicitors.
• Stop QDR Solicitors from chasing you too much.
• Set up a plan to pay back the debt.
• Find out if you can write off your debt.

Nearly half of people chased by debt collection agencies report experiencing harassment or aggression¹, and even our team knows what it’s like to be chased by debt collectors.

Don’t worry! We’re here to help you understand how to deal with QDR Solicitors.

Why are QDR Solicitors Debt Recovery contacting you?

QDR Solicitors Debt Recovery will be contacting you because they think that you owe money and you have failed to pay that money.

The business or organisation that was originally owed the money will have passed the debt to QDR Solicitors Debt Recovery once their own attempts to collect the money from you had failed.

Debt collection agencies like QDR Solicitors Debt Recovery buy billions of debt annually at rock bottom prices – at an average of 10p to £1!²

It makes sense that they’re constantly trying to get you to pay so they can make a profit. They could also be chasing you to try and get you to pay up without checking that you are actually liable for the debt.

We go through the process of verifying debts below.

Do you really owe the money?

There are a number of reasons that you might not owe the money that QDR Solicitors are asking for.

First, it is possible that there has been an administrative error and the debt does not belong to you, or the debt does belong to you but the amount being claimed is incorrect.

Alternatively, you may have already paid the debt but QDR Solicitors have not been told that the payment has been made.

From our experience, this is all too common! This is why it is very important that you request proof of the debt before you make a payment.

You can use our free letter template to help you contact QDR Solicitors to request evidence that you are liable as they claim.

It is also quite common for a debt collection agency to try and collect on a debt that is statute-barred.

A statute-barred debt is one that is too old to be enforced legally. This means that 6 years have passed – 5 years in Scotland – since you last made a payment or written communication about the debt.

Keep in mind that not all unsecured debts become statute-barred after 5 or 6 years.

HMRC debts, for example, are enforceable for much longer and any debt that has a CCJ attached to it will be enforceable forever.

If you think that your debt is too old to be collected, you need to contact QDR Solicitors and tell them. We have a free letter template for this scenario, too.

If QDR Solicitors can show evidence that you owe the debt, you will need to pay!

Can you just ignore QDR Solicitors?

Technically yes, you can, but this is not advisable.

As with any debt collector, you are free to ignore QDR Solicitors and are not obliged to engage with them. If you choose not to pay the money you owe and refuse to speak with them, there is very little that they can do.

However, if you ignore QDR Solicitors they have the option of taking you to court and if they take you to court and are successful it is not quite the same story.

We always recommend responding to debt collectors – even just to question the debt’s validity.

Remember, you have the right to request proof of the debt. They have to prove it, or they can’t charge you.

If you agree that you owe the money it is worth speaking to QDR Solicitors sooner rather than later to see if the matter can be resolved. Most debt collectors, including QDR Solicitors, will be keen to help by offering affordable payment plans.

» TAKE ACTION NOW: Fill out the short debt form

What are your other debt options?

If QDR Solicitors are contacting you about a debt that you are able to repay, either in full or via an affordable repayment plan, your best bet is probably to deal with the debt that way. This will get them off your back as quickly as possible.

If you can’t afford to do this, you may want to consider a debt solution.

There are several debt solutions available in the UK. We recommend speaking to a debt charity to get some professional debt advice and work out which solution is best for your finances.

We have linked a few of these organisations at the bottom of the page.

Debt Management Plan (DMP)

A DMP is an informal debt solution that will allow you to pay off several non-priority debts at once. Keep in mind that this is an informal debt solution as it has no legal weight behind it.

You can negotiate with your creditors and see if they will agree to lower or even freeze your interest. But keep in mind that they don’t necessarily have to agree to your terms!

Individual Voluntary Arrangement (IVA) or Trust Deed

An IVA is a legally binding agreement between you and your creditors. Under the agreement, you pay a monthly sum that is distributed towards your debts. In return, your creditors agree not to chase you for your debts or contact you for the duration of your IVA.

Once your IVA is over, any remaining debts are written off.

To qualify, you need to demonstrate that you have some disposable income every month. You will also need to show that you owe several thousand pounds in unsecured debt to more than one creditor.

A Trust Deed is the Scottish equivalent of an IVA and works in the same way.

Debt Relief Order (DRO)

If you have debts but no real assets and little income, you may be able to qualify for a DRO.

Once your application is approved, you do not make any payments towards your debts for 12 months. During this time your creditors can’t contact you and they must freeze any interest on your debts. After a year your finances are assessed and if they are no better your remaining debts can be written off.

Bankruptcy or Sequestration

Bankruptcy or sequestration in Scotland is often your last option if you have lots of debts but no way of realistically paying them off.

Many of your unsecured debts can be written off using bankruptcy, but keep in mind that it is a serious financial situation that is not to be applied for without serious consideration.

If you are in Scotland and have few assets and a low income, you may be eligible for a Minimal Asset Process bankruptcy (MAP). This process is more straightforward, cheaper, and quicker than sequestration.

Will they send bailiffs to your house?

QDR Solicitors can send debt collectors to your home but they cannot send bailiffs.

Only a court can send bailiffs and that will not happen until a court has granted a County Court Judgement. Although court-appointed bailiffs have certain powers, debt collectors have next to no powers.

Here’s a quick table to help you better understand the different rights debt collectors and bailiffs have. If you want to learn more about your rights, be sure to read our specialized guide.

Category	Debt Collectors	Bailiffs
Bank Account Access	Access your bank account – but only after a CCJ has been secured and not complied with.	After the creditor has taken you to court over missed payments, bailiffs/creditors can apply for a third-party debt order to freeze and take control of a bank account.
Leniency	Negotiate a debt settlement. Tip: make sure to get this new arrangement in writing.	If you tell them immediately that you are a vulnerable person, they must treat you with greater consideration and give you more time to respond to any contact.
Re-Selling Debt	Sell your debt if they are unable to collect payment from you.	Call and visit multiple times – there isn’t a set limit on how often they may contact you. If they can’t take any goods to sell or enter your property, they might return with a warrant and force entry to your property.
Visiting Your Home	Conduct home visits (on rare occasions) and knock on your door.	Conduct home visits and can enter without your permission as long as all of the correct legal steps have been taken.
Contact Hours	Contact you by phone or mail. They’re allowed to call whenever they see reasonable without constituting harassment, usually between 8 am and 9 pm.	Can visit your home anytime between 6 am and 9 pm (unless they have a court order that states otherwise).
Permission To Take Belongings	They cannot take anything from your home. They may only ask you to make a payment.	Take goods from inside and outside of your home once all legal steps have been taken. However, they cannot take essential items for domestic living or work purposes.
Court Actions	Threaten to take you to court by suing you for payment on a debt.	Can apply to the court to get permission to use ‘reasonable force’ to enter a home, which could mean breaking in. They have to give details to the court about how they will secure the property afterwards.

Is QDR Solicitor the same company?

Yes. As mentioned above, they collect debts for lots of different businesses and types of industry. If you’ve received a QDR Solicitors parking fine, the best thing to do is to get in touch with them.

If you can’t afford the parking fine or there have been extra charges added, your best bet is to speak to them to work out an arrangement.

The truth is they simply want the money and usually aren’t bothered if you have to pay in instalments!

You may also be able to contest any further charges added to the original parking fine. Either way it’s best not to ignore them and resolve it as soon as possible.

There are lots of examples of QDR Solicitors being used to chase up parking fines. Take the following comment.

This person could do with talking to a debt charity for some advice! We have linked a few at the bottom of this page.

Keep in mind that you don’t have to pay a debt until it has been proven that you owe it, even if you are threatened with a CCJ!

How to stop them from contacting you?

You can stop QDR Solicitors from contacting you by sending them a Cease and Desist letter.

You should send this letter via Recorded Delivery so you can prove that they have received it. Once you send this letter QDR Solicitors are legally required to stop contacting you.

However, there is nothing to stop QDR Solicitors selling your debt on to another debt collector and if they do that, there is nothing to stop the debt collector that has bought the debt from contacting you.

How do you complain about QDR Solicitors?

QDR Solicitors are regulated by both the Solicitors Regulatory Authority (SRA) and the Financial Conduct Authority (FCA). This means that they need to stick to both the SRA and the FCA guidelines.

If you believe that they have broken these rules when dealing with you, you can make a complaint.

You should first make a complaint directly to QDR Solicitors. This will give them the opportunity to deal with the matter with their own policies.

If you feel that your complaint was not dealt with appropriately, you can escalate matters to the SRA. You can also pass your complaint on to the Financial Ombudsman Service (FOS). They will deal with your complaint and, if it is upheld, may fine QDR Solicitors and you may be owed compensation.

QDR Solicitors contact details

Website:	https://www.qdrsolicitors.com/
Phone number:	01926 758736
Email address:	[email protected]
Postal address:	Olympus House, Leamington Spa, Warwickshire, United Kingdom, CV34 6BF

You can also use the QDR Solicitors email: [email protected]

References

1. InDebted Debt Collectors Survey.
2. Jubilee Debt, A Fresh Start After Covid-19.