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Quantum Legal Debt Collection

How to avoid having to pay Quantum Legal Debt Collectors!


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Are you being harassed by Quantum Legal Debt Collectors about some outstanding debt you have? Do you owe money and you are unsure if you will be able to repay it? Are they asking you to repay debts you have already paid or you don’t owe? Are they threatening court action against you? If any of these questions are relevant to you or you are having similar issues, then you might not need to pay them back!

Complaints about debt collection practices have more than doubled over the past year, rising from 830 to 2,006.

Who are Quantum Legal Debt Collection?

Quantum Legal is a registered debt collecting company in the UK and regulated by the Solicitors Regulation Authority. The company was founded in 2010 and has sucessfully collected on behalf o hundreds of clients.

What is the reason for the contact from Quantum Legal Debt Collection?

There are thousands (if not millions) of people who are in debt, and dealing with the stress of their financial situations. The debt collection business is huge and debt collectors like Quantum Legal Debt Collection can come in many shapes and sizes. Debt collection agencies may operate as independent businesses, some may also work work as part of the creditor you owe the debt with, such as a bank, credit card company or similar. You may even come across individual sole trader debt collectors.

The debt collection companies come in a range of varieties, but they use the same business model. This is were they purchase debt at a small price and make profit when you start paying the debt. The only issue they can come across by doing this is that you don’t make any payments. In which case, they will lose money. This is the reason why they can come across quite persistent, and even bullying-like in some cases. They need to get the money, as otherwise, they are losing money – which is the last thing they want to do. Read what to do if you can’t pay back your loan.

Is this really your debt?

You may not recognise the debt, and may even be wondering whether this is actually your debt? In this case, you should establish with the debt collection agency where the debt has came from and the true cost of what you owe. Even if you recognise the debt, it is probably more than you remember, as there are likely to be charges and interest added on, due to the length of time the debt has been outstanding.

To get more information, you can write to Quantum Legal Debt Collection and ask them to send you a copy of your original credit agreement. If they say they cannot provide this, or they refuse to do so, you will not have any obligation to make any payments. In some cases, you could even be entitled to a refund. See my most popular post for the guide on how to get a refund

Full Refund

Don’t want to pay?

You may not want to pay back the debt. After all, who does? But if you are able to, it is important to take care of your debt, as quickly as possible. If you are not able to afford to repay the debt, you will be able to make an arrangement to pay the debt with Quantum Legal Debt Collection, perhaps offer them a temporary repayment plan. In most cases, they will agree to this, but they may ask for evidence of your

Can debt collectors really ruin your life?

Unfortunately, there are many debt collectors who use a range of bullying and harassing tactics that may not always be in line with the law. The tactics might include trying to pressure you into paying, even if you can’t really afford it. They may even use bullying tactics, which could include, calling you constantly throughout the day to try and get you to pay up. These tactics can be extremely upsetting, but they can go even further than this and they can actually lead to mental health issues.

It can prove almost impossible to get the debt collectors called off. Victims say they have suffered sleepless nights and been afraid to open their doors in case bailiffs turn up.

If you are being constantly hassled by Quantum Legal Debt Collection, it could have a hugely negative effect on your life, which could lead to emotional distress, poor mental health and even, in some cases, suicidal thoughts. The debt support trust reported that as many as half of those people who are struggling with debt, will at some point contemplate suicide, and it was also reported that the coroner raised concerns over debt-collection agency’s practices after the suicide of a debt-ridden courier. In the report related to mental health and the credit industry (Walker et al, 2012) researchers from Brighton University concluded: “Debt clients frequently feel humiliated, disconnected and entrapped, with the process of debt collection having a clear impact on people’s mental health”. They asked government to step in to tackle the problem of irresponsible lending and poor collection tactics.

Quantum Legal Debt Collection and the law

The Office for Fair Trading (OFT, 2012) put a set of guidelines in place for the debt collection business. The summary of these were that Quantum Legal Debt Collection should adhere to the following regulations:

  • Ensure they treat debtors fairly and refrain from using any aggressive tactics or harass the debtor in any way.
  • Always maintain transparency in the information provided, and give clear information at all times.
  • Show consideration towards debtors who are in a difficult financial situations.
  • Take the debtors circumstances into account before determining suitable action.

If you feel that you are being intimidated by Quantum Legal Debt Collection and you know they are not adhering to the law, you would have a strong case for reporting them to the OFT. The OFT may decide to remove their license.

Complaints about the tactics used by debt collection agencies and bailiffs themselves soared 77 per cent from 864 to 1,529.

To make a complaint about Quantum Legal Debt Collection, you can use this online complaint form.

In some cases, you may find that debt collectors will say they are operating as an external agency, when they are actually a business arm of the company you have the original debt with. As this is deceit, it is against the regulations, and you may be able to make a complaint.

Find out more about Quantum Legal Debt Collection

If you have never dealt with debt collection agencies before, it is a good idea to find out more about them, and gain an understanding of how they operate.

They get bonuses

It is highly likely that the agents at Quantum Legal Debt Collection agents will be highly incentivised and will have targets based on the amount of money they collect on a daily, weekly or monthly basis. Every time they get a payment in, it will go towards their bonus. This is why they tend to be so desperate to get the payment from you. If they don’t get the payments, they will not only fail to achieve their bonus, but they may even be worried about their job!

The key point here is that if you can stand up to the threats from Quantum Legal Debt Collection, and understand that these are usually empty, you will be able to turn the tables, somewhat. It is important to speak to the debt collectors, but you should not make payment if you cannot afford to do this. Don’t put your home at risk by paying your debt.

They may use call technology

No one likes dealing with debt, and as such, it can be extremely tempting to just ignore the calls you receive from Quantum Legal Debt Collection. The problem is that there are many debt collection agencies who use call technology to keep contacting you. This means that there is usually not another person on the other end, so they have the ability to continuously contact you, every hour of the day! This could be viewed as harassment though, and you may be able to get help.

If you experience this, you should take a note of the frequency of the calls; dates and times are ideal. This sort of behaviour is a breach of OFT guidelines, and they are not permitted to do this. You may want to tell the agent that you plan to report them to the Financial Ombudsman. The Financial Ombudsman will then deal with the agent on your behald.

If you wish to contact the Financial Ombudsman, you can do this by phone on 0800 023 4567 or 0300 123 9123

Why the attitude change?

You may find that the agents will change their attitude when they realise you can’t pay the debt. Bad cop, good cop is a tactic which is quite often used, and it is one which is highly effective. When you are on the receiving end of this approach, you will probably end up with relentless calls, and some of these might even be abusive. These types of calls may be combined with the more friendly calls, which can be extremely confusing. This change may even happen in the same phone call, which makes it even more confusing. It may not even just be phone calls, you may end up with letters, emails etc, all with the goal of making you pay up. The entire process is set up to try and cause you distress, so that you just pay up to get rid of them.

It can be extremely difficult to deal with such behaviour, and this is why they employ these tactics. Stay strong and try to deal with them in the most patient way you can. If you are struggling to deal with them, you can report the behaviour to the OFT using this online complaint form.

They may even speak to third parties

It is difficult to believe but some debt collection agencies will go as far as to discuss your debt with someone else. This may happen if you fail to answer your calls, and someone else answers instead. For example, a family member of even someone from your workplace. This goes against the OFT guidelines, as well as privacy laws, and you could make a complaint.

If you wish to report this behaviour, you can do so by contacting the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

Would they lie to you?

If there is no other way, some debt collectors will believe they are immune from the law and they will use some pretty harsh tactics to try and get payment. Some will go as far as to say they are contacting you from the court, or that they are a bailiff who is planning to visit your home to take some of your possessions. They may even threaten you with criminal prosecution.

You should not give them permission to come to your home, and if they keep threatening you, or they do indeed turn up at your home, you may be able to make a complaint against them.

Stand up to this behaviour

Debt collectors like Quantum Legal Debt Collection can be relentless and their behaviour may be responsible for causing mental health problems. It is by no means easy to deal with and stand up to Quantum Legal Debt Collection, but this is necessary. If you need help, there is plenty of free resources out there. You need to get help with your debts, but you must do so in a controlled way.

How to get help with your debt

If you need help getting out of debt, there are many ways to get help and to sort your situation out. There are not-for-profit agencies who offer the help and support for free and they can offer you a one to one consultation. There are also the commercial debt management companies who will charge you for the service they offer. You should choose the former first, instead of paying for the service. These are some of the reputable organisations who provide free debt help.

  • Citizens Advice Bureau (CAB) provides a wide range of help and advice in dealing with your debt and may be able to stop debt collectors contacting you, as long as they can see that you are paying back your debt or attempting to do so anyway.
  • Christians Against Poverty (CAP) provide free debt help.
  • StepChange provides free online debt advice helping people take control of their finances.

You may be able to write off your debt

You will also be able write off your debt entirely in some cases, by entering into an Individual Voluntary Arrangement (IVA). An IVA is a formal agreement you reach to pay the debt collectors a specific amount you are able to afford as a one-off sum or you may wish to pay with monthly payments. The rest of the debt would then be written off after a defined period, which is usually five years. The IVA should always be carried out by an insolvency practitioner.

Find a local licenced IVA insolvency practitioner here.

An alternative option to consider is a Debt Relief Order (DRO). You will only be able to access this if you have £50 or less available each month after you have taken care of your household expenses. You should also not own your home or have other assets worth over £1000.

If you wish to apply for a DRO, you will need to go through an authorised debt advisor. You can find a list of authorised debt advisors here.


Despite the guidelines and warnings from the government, there are still many debt collecting agencies who are responsible for horrendous behaviour, which can really affect debtors. It is entirely possible to get help from one of the organisations we have listed. If you can’t afford to pay the debt, you will be able to reduce the amount you must repay and even spread the repayments over a period you are able to. There is every possibility to put a stop to their bullying, by reporting them to the Financial Ombudsman, and they may even lose their licence.

About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more
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