How to avoid having to pay Quantum Legal Debt Collectors!

Are you being put under pressure by Quantum Legal Debt Collectors in relation to debts you have not paid back? Do you have debt, but you don’t believe you will be able to repay it? Are the debt collectors requesting that you pay debt you don’t owe? Are you being threatened with court action? If these questions related to you, or you are having similar problems, you may not be required to repay the debt.

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

Quantum Legal Debt Collection

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 purpose of 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 massive these days and debt collectors such as Quantum Legal Debt Collection can be found wearing a range of hats. Debt collection agencies may be working as independent businesses, some may also be working with the creditor you have the original debt with, such as a credit card company, loan company or bank. You may even come across sole traders who work as 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 lost the money they paid for the debt. 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.

How do you know whether it’s your debt or not?

You may not be familiar with 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 they got the debt from and the total 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 request that they provide you with a copy of the original credit agreement. If they are unable to send you this, or they tell you the won’t provide it, you will be under any obligation to make any payments. There is every chance you will 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 can pay the debt, you should definitely pay it back. If you cannot afford to repay the debt, you will be able to come to an arrangement to repay the debt with Quantum Legal Debt Collection, perhaps offer them a 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 still a lot of debt collectors who use a range of bullying and harassing behaviours that may fall short of the legislation. The tactics might include pressurising you into make payments, even if you can’t really afford it. They could 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 have Quantum Legal Debt Collection constantly on your case, it is bound to start having a negative impact on your life. Worrying about debt alone can cause problems for your mental health, but if you add the worries of being harassed by debt collectors, it can make the situation even worse. If you share these feelings, you are not alone. There are, unfortunately, many people facing the same issues. According to the debt support trust, debt collectors make a huge impact on debtors, and in some cases, debt problems have led to people feeling suicidal. They often feel humiliated by their debt issues, and even that they are disconnected from the rest of the world. As a consequence of much research into the topic, the government were asked to take some more action on debt collection agencies, and to ensure that they were not using underhand or bullying tactics to get the payment. The government did take action, fortunately, and made some significant changes to the legislation.

Quantum Legal Debt Collection and what the law tells us

The Office for Fair Trading (OFT, 2012) implemented some guidelines for the debt collection industry. The summary of these were that Quantum Legal Debt Collection should adhere to the following regulations:

  • Ensure they are fair towards debtors, 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 empathy to debtors who are in a difficult financial situations.
  • Understand the debtors situation, and take this into account, before deciding on potential action.

If you feel that Quantum Legal Debt Collection are trying to intimidate you and you know they are not following the legislation, you would be able to report them to the OFT. The OFT may determine that they need 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.

If you want to make a complaint about Quantum Legal Debt Collection, you can do this via the online complaint form.

Do not fall for the deceit used by some debt collectors. They may try to get you to make a payment by saying they are a bailiff, or that they are going to visit your property. They may even say they are operating externally, when they are working together with the creditor, as part of their business. This deceit is not permitted, and you can make a complaint relating to it.

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 are able to stand strong against the threats you receive from Quantum Legal Debt Collection, and understand that these are normally empty, you will be able to turn the situation around, 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 cancel the calls you receive from Quantum Legal Debt Collection. The problem is that there are a range of 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 note down the details of the calls, including the dates and times is ideal. This sort of behaviour is against the OFT guidelines, and they are not permitted to do this. You may want to tell the agent that you are looking to report them to the Financial Ombudsman. The Financial Ombudsman will then deal with the agent on your behald.

If you want to speak to 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, together with privacy laws, and you could make a complaint.

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

Can you trust them?

If there is no other way, some debt collectors will believe they don’t need to follow the law and they will use some pretty harsh tactics to try and get payment. Some will stoop as low as to say they are contacting you from a court setting, or that they are operating as a bailiff who is planning to visit your property to take some of your goods as debt payment. They could even say that they will prosecute you.

You should never allow them to visit your home, and if they keep threatening you, or they do indeed turn up at your home, you may be able to initiate 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 never simple to 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 to get out of debt

If you need help getting out of debt, there are a range of ways to get help and to sort your situation out. There are many different organisations who offer the help and support for free and they can offer you a one to one consultation. There are also some commercial debt management companies who will charge you money for using their services. You should choose the former first, instead of paying for the service. These are some of the reputable organisations who provide debt help for free.

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

The IVA and writing off your debt

You can also be able write off part of your debt by signing up to an Individual Voluntary Arrangement (IVA). An IVA is an agreement you sign up to where you pay a set amount each month towards your debt, at a rate you can afford. The remaining debt after around five years will usually be written off. The IVA must be taken care of by an Insolvency Practitioner.

Find a local licenced IVA insolvency practitioner here.

You have the other option of signing up to a Debt Relief Order (DRO). You need to have £50 or less to spend each month, after all your bills have been taken care of. You cannot have assets over £1,000 or be a homeowner to be eligible for the DRO.

If you want to apply for a DRO, you will be required to do this through an authorised debt advisor. Here is a list of authorised debt advisors here.


Despite the guidelines and warnings from the government, there are still lots of 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 are not in a position to repay the full amount you owe, you can always set up a suitable repayment plan instead, that works for your financial situation.

There is every possibility to put a stop to their bullying, by escalating your complaint to the Financial Ombudsman, and they could 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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