Skip to main content
Get Started Free

QDR Solicitors: Who They Are and What to Do

·5623 words·27 mins

QDR Solicitors Limited is not a standard debt collection agency—they’re a law firm. This is the critical difference. Unlike agencies like Lowell or Cabot who must instruct external solicitors to issue court proceedings, QDR can litigate directly. If you’ve received a letter from QDR Solicitors, you’re dealing with a solicitors firm that specialises in high-volume debt recovery, particularly unpaid parking charges, fuel “bilking”, and traditional consumer debts.

Here’s what matters most: QDR field agents are NOT bailiffs. They’re debt collectors in branded clothing with no legal power to enter your home or take your belongings. But QDR’s status as solicitors makes them a more credible legal threat than standard collectors—they’re more likely to follow through on court action.

If you owe £5,000+ across multiple debts, an Individual Voluntary Arrangement (IVA) can stop QDR Solicitors immediately and write off the remaining debt after 5-6 years.

Quick answers
#

Are QDR Solicitors legitimate? Yes. They’re a fully authorised law firm (SRA ID 560560, FCA Reference 721508, Companies House 07561541). But clone scams exist—always verify letters against the SRA register.

Can QDR Solicitors send bailiffs? Not directly. They need a County Court Judgment (CCJ) first, then a warrant of control. Field agents who knock on your door have no power—they must leave if asked.

Can an IVA stop QDR Solicitors? Yes. All debts that QDR collects are unsecured, which means they can be included in an IVA. Once your IVA is approved, QDR must stop all contact and legal action.

Table of Contents
#

Who are QDR Solicitors?
#

QDR Solicitors Limited (Company 07561541) is a specialist debt litigation law firm based in Leamington Spa, Warwickshire. They’re dual-regulated by the Solicitors Regulation Authority (SRA ID 560560) and the Financial Conduct Authority (FCA Reference 721508), and hold membership with the Credit Services Association (CSA Member 788).

This dual regulation is important: The SRA governs their legal services, while the FCA regulates their debt collection activities. This means they face oversight from both the Legal Ombudsman and the Financial Ombudsman Service.

QDR operates as an Alternative Business Structure (ABS)—a regulatory status granted by the SRA in 2017 that allows non-lawyer management and investment. This facilitates the large-scale, technology-driven recovery model they use.

Name history:

  • Incorporated as WH 427 Limited (March 2011)
  • Changed to Quantum Debt Recovery Limited
  • Rebranded to QDR Solicitors Limited (July 2015)

The transition from “Recovery” to “Solicitors” in the name reflects a strategic shift: solicitor-branded letterhead carries more authority and credibility than standard debt collection letters. The firm has historical ties to Wright Hassall Solicitors, a well-known full-service firm.

Key directors:

  • Gemma Carson (Head of Legal Practice)
  • Ruben Horatio Moggee

What makes QDR different from standard debt collectors:

QDR are licensed to undertake reserved legal activities, including the conduct of litigation and rights of audience in court. This means they can issue County Court claims directly without instructing external solicitors. For you, this means:

  1. Their legal threats are more credible—they’re not bluffing
  2. They can move from letter to court claim faster than agencies
  3. Ignoring them is riskier than ignoring Lowell or Cabot

The ZZPS connection: “robo-litigation”
#

A cornerstone of QDR’s high-volume strategy is their deep operational integration with ZZPS Limited. To understand how QDR operates, you need to understand this relationship.

How it works:

ZZPS Limited is a specialist debt collection agency focused on unregulated accounts, private parking charges, and fuel recovery. QDR acts as the legal escalation point. This relationship is often described as a “white label” or outsourced legal service:

  1. ZZPS manages early-stage collection (letters, calls, field visits)
  2. If the debt remains unpaid, it escalates to QDR
  3. QDR issues solicitor-branded letters and court proceedings
  4. In many cases, communication ostensibly from QDR may be managed or triggered by ZZPS systems

Why does this matter?

This allows for mass-production of litigation threats while minimising cost per case. Critics on platforms like MoneySavingExpert call this the “Osner scam”—a term reflecting scepticism toward the leadership of ZZPS and the perceived use of solicitor-branded stationery to escalate pressure on debtors without substantive legal review of individual cases.

The result:

Automated “robo-litigation” where demands are sent to individuals who have already paid, often due to:

  • Pump number errors at petrol stations
  • Administrative failures
  • Outdated DVLA address data
  • System glitches not being investigated before issuing proceedings
EntityRole
ZZPS LimitedDebt collection agency managing early arrears and administrative notices
QDR SolicitorsLitigation firm providing formal Letters of Claim and court action escalation
BOSSBritish Oil Security Syndicate—client organisation managing fuel “bilking”
Parking operatorsEuro Car Parks, UKPC, NCP—providing high-volume PCN portfolios

Why is QDR Solicitors contacting me?
#

QDR Solicitors specialises in three main sectors. Here’s what they typically chase:

1. Private parking charges (highest volume):

  • Euro Car Parks
  • UKPC (UK Parking Control)
  • NCP (National Car Parks)
  • Civil Enforcement Limited
  • Other private parking operators

2. Fuel “bilking” (BOSS):

  • British Oil Security Syndicate (BOSS)
  • Allegedly unpaid petrol at garages like Sainsbury’s, Tesco, Asda
  • “Drive-offs” or payment system failures

3. Traditional consumer debt:

  • Banks and building societies
  • Utility providers (gas, electric, water)
  • Insurance debts
  • Catalogue and store card arrears

Check the original creditor:

Every QDR letter should state the original creditor. Look for:

  • “Our client: [Company Name]”
  • “Reference to: [Original account number]”

If you’ve never heard of the original creditor, or if you believe the debt is wrong, you have the right to dispute it and request proof.

The parking charge trap
#

This is the single biggest source of QDR Solicitors letters—and it’s where the system fails consumers most often.

The “surprise CCJ” scenario:

You parked at a retail park 18 months ago. You overstayed by 20 minutes. A Parking Charge Notice (PCN) was issued and sent to the DVLA-registered address on your V5C logbook. But you moved house 6 months before that and never updated your V5C.

What happens next:

  1. Original PCN sent to old address—you never receive it
  2. Reminder letters sent to old address—you never receive them
  3. Parking operator passes the charge to ZZPS/QDR
  4. QDR issues a County Court claim to your old address—you never receive it
  5. You don’t respond within 14 days (because you don’t know about it)
  6. CCJ granted by default
  7. You discover the CCJ when you apply for a mortgage or credit card—surprise!

QDR criticised for not doing soft address searches:

Before filing a court claim, solicitors are expected to perform basic checks to verify the defendant’s current address. QDR is frequently criticised for failing to do this, leading to thousands of “surprise CCJs” that could have been avoided.

If this happened to you:

You can apply to set aside the CCJ if:

  • You never received the original PCN or court papers
  • You have a defence to the claim
  • You act promptly (ideally within one month of discovering the CCJ)

Contact the court that issued the CCJ (check the CCJ certificate for court details) and request form N244 (application to set aside).

Common parking charge issues:

  • Never received the original PCN
  • Signs were unclear or hidden
  • Payment machine was broken
  • Ticketed within grace period (typically 10 minutes after overstay)
  • Charge amount is excessive (BPA Code caps charges at £100)
  • Keeper liability not properly invoked

The £60-£70 admin fees:

QDR typically adds £60-£70 in “debt recovery costs” on top of the original parking charge. If the original PCN was £100, QDR’s letter might claim £170. These fees are frequently challenged as:

  • Excessive and disproportionate
  • “Double recovery” (the parking operator already charged a fee)
  • Knowingly exaggerated costs

Judges are increasingly willing to strike out claims where these costs are poorly justified.

The fuel bilking issue
#

QDR acts as recovery agent for BOSS (British Oil Security Syndicate), pursuing individuals for allegedly unpaid petrol at garages.

What is “fuel bilking”?

Fuel bilking (also called “making off without payment”) occurs when someone fills up with petrol and drives away without paying. It’s a criminal offence under the Theft Act 1978.

The problem:

Many people receiving QDR letters about fuel bilking have bank statements proving they paid at the time. Common causes of these administrative errors:

  1. Wrong pump number: You paid for pump 3, the system recorded pump 5
  2. DVLA address mismatch: Your car is registered to an old address, so the wrong person gets chased
  3. System glitches: Payment terminal froze, you paid cash at the kiosk, but it wasn’t logged correctly
  4. Card payment delays: You tapped your card, it showed “approved,” but the transaction failed on the backend

QDR’s approach:

QDR typically requires the consumer to “prove their innocence” rather than providing the CCTV evidence of the alleged bilking first. This shifts the burden unfairly onto the accused.

What to do if you’re accused of fuel bilking but you paid:

  1. Check your bank statements for the date, time, and location of the alleged offence
  2. Send a Subject Access Request (SAR) to QDR demanding:
    • CCTV footage showing the alleged drive-off
    • Garage records for that pump, date, and time
    • Evidence linking your vehicle to the unpaid fuel
  3. Provide your bank statement showing payment at the correct time and location
  4. Write to QDR:

“I’m writing regarding your letter dated [date] claiming I committed fuel bilking on [date] at [garage].

I did not drive away without paying. I paid for my fuel at the time. I enclose my bank statement showing payment of £[amount] at [time] on [date] at [location].

Under GDPR Article 15, I request immediate disclosure of:

  • CCTV footage showing the alleged offence
  • Garage transaction records for the pump in question
  • Evidence linking my vehicle to unpaid fuel

If you cannot provide this evidence, I require written confirmation that this matter is closed and will not be pursued further.”

The BOSS process:

BOSS collects data from hundreds of petrol stations. When a pump shows unpaid fuel, they use the forecourt CCTV to identify the vehicle registration, request keeper details from the DVLA, and pass the case to ZZPS/QDR.

The system is automated and prone to errors.

Can QDR Solicitors send bailiffs?
#

Not directly. They need a County Court Judgment first.

There’s a critical legal distinction between “debt collector,” “solicitor,” and “bailiff” that consumers must understand.

What QDR field agents CAN do:

  • Write to you
  • Call you (between 8am-9pm weekdays)
  • Visit your home and knock on the door
  • Offer to discuss repayment options
  • Show you ID if they visit

What QDR field agents CANNOT do:

  • Force entry to your home
  • Enter without your permission
  • Take your belongings
  • Clamp your vehicle
  • Threaten you
  • Damage your property
  • Refuse to leave when asked

QDR field agents are NOT bailiffs. They’re debt collectors in branded clothing. They have no more legal power than a stranger knocking on your door. You can refuse entry, speak through a closed door, or ask them to leave.

How bailiffs actually get involved:

For bailiffs (enforcement agents) to be involved, QDR must:

  1. Issue a County Court claim via Money Claim Online (MCOL)
  2. Obtain a County Court Judgment (CCJ)
  3. Apply for a warrant of control
  4. Court bailiffs (enforcement agents) are then instructed
  5. Bailiffs must give 7 days’ written notice before visiting

Even then, bailiffs have limited powers:

  • They generally cannot enter if only children under 16 are present
  • They cannot enter between 9pm and 6am
  • They cannot take essential household items (clothing, bedding, basic furniture)
  • They cannot take goods on hire purchase or that belong to someone else
RolePower LevelAuthority
QDR Field Agent❌ NoneNo power to enter your home, take goods, or clamp vehicles. Must leave if asked.
County Court Bailiff⚠️ LimitedCan enter (with restrictions), seize goods, clamp vehicles. Requires CCJ + warrant. Must give 7 days’ notice.
High Court Enforcement Officer⚠️ HigherCan seize goods for debts over £600. Higher fees. Requires High Court writ of control.

Bottom line: A QDR letter or doorstep visit is not the same as bailiff enforcement. Don’t panic.

Your rights when dealing with QDR
#

You have legal rights that limit what QDR can do. Here are the most important ones:

1. Right to request proof of the debt

Under the Consumer Credit Act 1974 (for credit debts) or general contract law (for parking/fuel charges), you can request:

  • A copy of the original contract or notice
  • A statement showing how the debt has built up
  • Proof that QDR has authority to collect on behalf of the original creditor

If they can’t produce this, the debt may be unenforceable in court.

2. Statute barred debts

If you haven’t made a payment or acknowledged the debt in writing for:

  • 6 years in England and Wales
  • 5 years in Scotland

The debt becomes statute barred, which means QDR can’t take you to court to recover it (although they can still ask you to pay).

Important: Any payment, even £1, or any written acknowledgment that you owe the debt, resets the 6-year clock. If QDR contact you about an old debt, check the date carefully before responding.

3. Right to reasonable contact

QDR cannot:

  • Call you at unreasonable hours (before 8am or after 9pm)
  • Contact you at work if you’ve told them not to
  • Call you excessively (multiple times per day)
  • Ignore requests for written communication only

If you want QDR to stop calling, write to them (email and post) stating: “I only want to be contacted by post.” They must comply under FCA rules.

4. Mental health protections (DMHEF form)

If you have mental health problems, serious illness, disability, or are in crisis, complete a Debt and Mental Health Evidence Form (DMHEF). This is accepted by all FCA-authorised firms.

Send the DMHEF to QDR with evidence (doctor’s letter, PIP award). They must:

  • Pause collection activity
  • Treat your account with extra care
  • Consider returning the account to the original creditor

Download the DMHEF from the Money and Mental Health Policy Institute website.

5. Right to complain

If QDR breaches SRA or FCA rules or treats you unfairly, you can complain to:

  • QDR directly (first step)
  • Financial Ombudsman Service (for debt collection complaints)
  • Legal Ombudsman (for legal service complaints)
  • Solicitors Regulation Authority (for professional misconduct)

We’ll cover the complaint process in detail below.

The Pre-Action Protocol: 30 days, not 7
#

QDR’s initial letters often demand payment within 7 or 14 days. This creates panic and pressure. But here’s what matters:

Under the Pre-Action Protocol for Debt Claims, QDR must give you 30 days to respond before issuing court proceedings.

The formal Letter of Claim must:

  • Provide a clear summary of the debt
  • State the original creditor’s name
  • Break down any interest or administrative charges added
  • Include a “Reply Form” and “Statement of Means” form
  • Allow 30 days for you to respond

If QDR sends a letter with a 7-day deadline:

This is a pressure tactic. It’s not a formal Letter of Claim. They cannot issue court proceedings if you don’t pay within 7 days without first sending a proper Letter of Claim and waiting 30 days.

If they proceed to court without following the 30-day protocol:

You can request a stay of proceedings (pause) to seek debt advice and respond properly. Tell the court: “The claimant did not comply with the Pre-Action Protocol. I was not given 30 days to respond to a proper Letter of Claim.”

Judges take this seriously. QDR may be ordered to pay your costs if they’ve jumped straight to court without following the protocol.

The Chan defence for parking charges
#

If QDR is pursuing you for parking charges, you have a powerful legal defence available.

The case: Civil Enforcement Limited v Chan [2023] EWCA Civ 89

What happened:

Civil Enforcement Limited (a parking company) issued bulk County Court claims with generic, “robo-signed” Particulars of Claim that failed to specify:

  • The exact contractual terms breached
  • Which specific parking charge related to which specific incident
  • Details of each individual overstay

The Court of Appeal held that these poorly pleaded claims should be struck out under Civil Procedure Rule 16.4 for failing to provide sufficient detail.

Why this matters for you:

QDR’s bulk parking claims are often similarly deficient. They bundle multiple parking charges into a single claim without adequate detail for each individual incident.

How to use the Chan defence:

If QDR issues court proceedings for parking charges, check the Particulars of Claim (the document that sets out their case). Look for:

  • Generic, boilerplate language
  • Multiple charges bundled together without individual details
  • Lack of specific dates, times, and locations for each charge
  • Failure to specify which contractual term was breached
  • “Robo-signed” statements that could apply to anyone

If the Particulars of Claim are deficient:

File a defence citing Chan and CPR 16.4. Argue that the claim should be struck out for failing to provide sufficient detail. You can do this yourself or instruct a solicitor.

Example defence paragraph:

“The Particulars of Claim fail to comply with CPR 16.4. The Claimant has bundled multiple parking charges together without specifying the date, time, location, or contractual term breached for each individual charge. As held in Civil Enforcement Limited v Chan [2023] EWCA Civ 89, such generic pleadings are deficient and should be struck out.”

Many County Court judges are now familiar with Chan and are willing to strike out poorly pleaded parking claims.

Should you ignore QDR Solicitors?
#

No. Ignoring QDR is riskier than ignoring standard debt collectors.

Here’s why:

QDR are solicitors. They can issue court proceedings directly without instructing external lawyers. This makes them more likely to follow through on legal threats than agencies like Lowell or Cabot, who must pay external solicitors to litigate.

What happens if you ignore them:

Month 1-2: Letters from QDR demanding payment. Debt amount = original charge.

Month 3: “Final demand” warning of court action. Debt amount = original charge + admin fees (£60-70).

Month 4: QDR issues a County Court claim via Money Claim Online (MCOL). You receive court papers. Debt amount = original charge + admin fees + court fees (£35-£455 depending on debt size).

Month 5: If you don’t respond to the court papers within 14 days, you get a CCJ by default. CCJ stays on your credit file for 6 years. Debt amount = original charge + all fees + interest.

Month 6+: QDR can apply for enforcement:

  • Attachment of Earnings Order (your employer deducts from your wages)
  • Charging Order (if you own property)
  • Warrant of Control (bailiffs seize goods)

It’s cheaper and less stressful to engage early. Even if you can’t afford to pay in full, you can:

  • Request proof of the debt
  • Check if it’s statute barred
  • Dispute the debt if it’s wrong
  • Use the Chan defence for parking charges
  • Offer a settlement
  • Arrange a payment plan

Checking if the debt is yours
#

Before you pay anything or admit the debt in writing, verify that you actually owe it.

For parking charges:

Write to QDR:

“I am writing regarding your letter dated [date] concerning parking charge(s) at [location].

I do not recognise this debt. Please provide:

  1. Proof that I am the driver (DVLA keeper data is not proof of driver identity)
  2. Photographic evidence of the alleged parking breach
  3. Proof of service of the original Parking Charge Notice
  4. A copy of the contract terms displayed at the site
  5. Proof of your client’s authority to pursue this charge

I do not acknowledge this debt. Do not interpret this letter as an admission.”

For fuel bilking:

Write to QDR:

“I am writing regarding your letter dated [date] alleging I committed fuel bilking on [date] at [garage].

I did not drive away without paying. Under GDPR Article 15, I request:

  1. CCTV footage showing the alleged offence
  2. Garage transaction records for the pump in question
  3. Evidence linking my vehicle to unpaid fuel

I enclose my bank statement showing payment at the time and location.

I do not acknowledge this debt.”

For credit debts:

Write to QDR:

“I am writing regarding account reference [your reference number].

Under the Consumer Credit Act 1974, I request a copy of the original executed credit agreement and a full statement of account.

I do not acknowledge this debt. Do not interpret this letter as an admission that I owe this money.

Please provide the requested documents within 14 days.”

If QDR can’t provide proof:

The debt may be unenforceable. This doesn’t mean you don’t owe it—it means they can’t take you to court to recover it.

Statute barred debts
#

A debt becomes statute barred after:

  • 6 years in England and Wales
  • 5 years in Scotland

This means QDR can’t take you to court to recover it (although they can still ask you to pay).

When does the clock start?

The 6-year period starts from:

  • The date of your last payment, OR
  • The date you last acknowledged the debt in writing

Whichever is later.

Warning: Don’t reset the clock accidentally

If QDR contact you about an old debt and you:

  • Make any payment (even £1)
  • Acknowledge the debt in writing (“yes, I owe this”)
  • Sign a repayment agreement

The 6-year clock resets and the debt is no longer statute barred.

For parking charges:

The 6-year clock starts from the date of the alleged parking breach, not the date of the PCN. So if you parked illegally on 1 January 2019 and QDR contact you on 1 February 2025, the debt is statute barred.

If you think the debt is statute barred:

Write to QDR:

“I believe this debt is statute barred under the Limitation Act 1980.

I last made a payment or acknowledged this debt on [date or “more than 6 years ago”].

I do not acknowledge this debt. Do not interpret this letter as an admission.

Under FCA rules (CONC 7.15), you should not pursue a statute barred debt. Please confirm in writing that you will cease all collection activity.”

Do not make a payment or sign anything.

Settlement offers and payment plans
#

QDR often accepts settlement offers, particularly on parking charges and older debts.

Why do they accept discounts?

Parking operators buy debt for pennies. If Euro Car Parks issues a £100 PCN and you don’t pay, they might sell the debt to ZZPS/QDR for £10. A settlement offer of £40-£60 is still profitable.

For traditional debts, QDR operates on commission. A guaranteed 50% settlement today is worth more than chasing 100% over months or years with the risk of an IVA or bankruptcy.

How to negotiate a settlement:

  1. Check if the debt is valid first. Don’t offer a settlement if you have a defence.
  2. For parking charges: Check if the Chan defence applies. If the claim is deficient, you might win in court.
  3. Start lower. If you can afford £60 on a £100 parking charge, offer £40 first.
  4. Explain your circumstances. “I’ve been offered help from family, but they can only lend £X.”
  5. Challenge admin fees. “I’ll pay the original £100 parking charge, but the £70 admin fee is excessive and should be removed.”
  6. Get it in writing. Never pay until you have written confirmation that the settlement clears the debt in full.

Example negotiation letter:

“I’m writing regarding your letter dated [date] concerning parking charge reference [number].

The total you claim is £170 (£100 parking charge + £70 admin fees). I’m unable to pay this in full, but I’ve been offered help from family.

I’m willing to pay £50 as a full and final settlement of this matter. If you accept, please confirm in writing that payment of £50 will clear the account in full with no further amounts owed and no court action.

If you don’t accept, I’ll need to explore formal debt solutions or defend the matter in court using the Chan precedent.”

Payment plans:

If you can’t afford a lump sum, QDR may accept payment plans. They have a digital portal at www.qdrsolicitors.com where you can set up monthly direct debits.

Be realistic. If you offer £20/month but can only afford £10/month, you’ll default and the situation will escalate.

Always get settlement agreements in writing before paying.

Credit file and CCJ impact
#

QDR don’t update credit files directly. The original creditor (parking company, bank, utility provider) updates the credit reference agencies (Experian, Equifax, TransUnion).

How long does a default stay on your file?

A default stays on your credit file for 6 years from the date of default, regardless of when you pay it.

So if the original creditor defaulted your account on 1 January 2023, the default stays until 1 January 2029—even if you settle with QDR in full tomorrow.

Settled vs unsettled:

Once you pay, the default marker changes from “defaulted” to “satisfied” or “settled,” but it doesn’t disappear. A settled default is better than an unsettled one (it shows you cleared the debt), but it’s still a negative marker.

County Court Judgments (CCJs):

If QDR obtains a CCJ against you, it’s registered on the Register of Judgments, Orders, and Fines. A CCJ stays on your credit file for 6 years and has serious implications:

  • Mortgage applications and refinancing
  • Rental agreements and background checks
  • Employment in financial or legal sectors
  • Mobile phone contracts and utility credit

Can you remove a CCJ?

  • If paid within 30 days: The CCJ can be completely removed from the register
  • If paid after 30 days: It’s marked as “satisfied” but stays on the register for 6 years

If you never received the court papers (common with parking charges sent to old addresses), you can apply to set aside the CCJ. This removes it entirely if successful.

Clone scam warning
#

The Solicitors Regulation Authority (SRA) has issued alerts about clone scams misusing QDR Solicitors’ name.

What is a clone scam?

Fraudsters set up fake websites and send letters using QDR’s name, logo, and SRA number, but with different contact details (usually a non-existent website or a mobile number). They pressure victims to pay into fraudulent bank accounts.

How to verify a QDR letter is genuine:

  1. Check the SRA register: Visit www.sra.org.uk/consumers/register/ and search for “QDR Solicitors Limited” or SRA ID 560560
  2. Verify the address: Genuine QDR letters come from Olympus House, Olympus Avenue, Leamington Spa, CV34 6BF
  3. Verify the phone number: Genuine QDR numbers are 01926 758736 or 01926 758731
  4. Check the website: The genuine website is www.qdrsolicitors.com (not “qgb” or similar variations)
  5. Check the email domain: Genuine emails end in @qdrsolicitors.com

If you receive a suspicious letter:

Known clone scam details:

The SRA has warned about clone firms using:

  • Website: www.qgb.uk (does not exist)
  • Fake phone numbers and email addresses

Always verify against the SRA register before responding to any letter claiming to be from solicitors.

How to stop QDR with an IVA
#

An Individual Voluntary Arrangement (IVA) is a legally binding agreement between you and all your creditors (including QDR) to repay what you can afford over 5-6 years. At the end, any remaining debt is written off—typically 60-90%.

Why an IVA stops QDR:

Once your IVA is approved by 75% of your creditors (by debt value), all creditors—including QDR—must:

  • Stop contacting you
  • Stop legal action (including court proceedings)
  • Freeze interest and charges
  • Accept the monthly payment your Insolvency Practitioner distributes

QDR cannot refuse to comply with an approved IVA. It’s a legal order.

What debts can you include?

All of the debts QDR collects are unsecured, which means they’re includable in an IVA:

  • Parking charges
  • Fuel bilking claims
  • Bank and credit card debts
  • Utility arrears
  • Insurance debts
  • Council tax arrears
  • Catalogue and store card debts

To qualify for an IVA, you typically need:

  • £5,000+ in unsecured debt
  • Two or more creditors
  • A regular income (employed or self-employed)
  • Spare income after essential bills (usually £80-100/month minimum)

Check if you qualify for an IVA

Alternative: Debt Management Plan

If you don’t qualify for an IVA, a Debt Management Plan (DMP) is an informal arrangement where you make affordable monthly payments. It’s not legally binding, so QDR can still chase you, but many firms will freeze interest and accept the plan.

Alternative: Debt Relief Order

If your total debts are under £50,000 and you have less than £75/month spare income, you might qualify for a Debt Relief Order (DRO). A DRO lasts 12 months, after which your debts are written off completely. It costs just £90 to apply.

How to complain about QDR
#

QDR is dual-regulated, which means there are multiple complaint routes depending on the nature of your complaint.

Step 1: Complain to QDR directly

Write to: QDR Solicitors Limited Olympus House Olympus Avenue Leamington Spa Warwickshire CV34 6BF

Email: enquiries@qdrsolicitors.com

Include:

  • Your reference number
  • Dates of the issue
  • What happened
  • What you want (apology, fees removed, stop contact, etc.)

QDR has 8 weeks to respond.

Step 2: Escalate to the appropriate ombudsman

For debt collection complaints (harassment, unfair treatment, ignoring vulnerability):

The FOS can order QDR to:

  • Apologise
  • Remove incorrect information from your credit file
  • Pay compensation (up to £400 for distress in debt cases)

For legal service complaints (poor legal advice, failure to follow court rules, negligence):

The Legal Ombudsman can order QDR to:

  • Refund legal fees
  • Correct mistakes
  • Pay compensation (up to £50,000)

Step 3: Report professional misconduct to the SRA

If QDR has:

  • Lied or misled you
  • Claimed to have powers they don’t have
  • Used misleading letterhead
  • Breached professional conduct rules

Report directly to:

The SRA can:

  • Investigate QDR
  • Fine the firm
  • Suspend or strike off solicitors
  • Close down the firm in extreme cases

Step 4: Report FCA rule breaches

If QDR has breached FCA rules (aggressive behaviour, ignoring requests for written communication only):

The FCA won’t resolve your individual complaint, but they can investigate and impose fines if they find systemic problems.

QDR Solicitors contact details
#

Registered office: QDR Solicitors Limited Olympus House Olympus Avenue Tachbrook Park Leamington Spa Warwickshire CV34 6BF

Company number: 07561541 SRA ID: 560560 FCA reference: 721508 CSA member: 788

Phone: 01926 758736 (main line) Phone: 01926 758731 (direct line) Email: enquiries@qdrsolicitors.com Email: info@qdrsolicitors.com Website: www.qdrsolicitors.com

Customer service hours:

  • Monday to Friday: 9am-5pm

Payment portal:

Directors:

  • Gemma Carson (Head of Legal Practice)
  • Ruben Horatio Moggee

Regulatory status:

  • SRA Authorised (Alternative Business Structure)
  • FCA Authorised for debt collection
  • CSA Member since incorporation

If you’re struggling with debt and want to find out what options are available, use our free IVA calculator to see how much you could write off.

Frequently Asked Questions
#

Is QDR Solicitors legitimate?
#

Yes. QDR Solicitors Limited is a law firm dual-regulated by the Solicitors Regulation Authority (SRA ID 560560) and Financial Conduct Authority (FCA Reference 721508). They’re registered with Companies House (07561541). But verify letters against the SRA register as clone scams exist using their name.

Can QDR Solicitors send bailiffs?
#

Not directly. They must get a County Court Judgment (CCJ) first, then apply for a warrant of control. Their field agents have no legal power to enter your home or seize goods. They’re just doorstep collectors in branded clothing who must leave if asked.

What is the connection between QDR Solicitors and ZZPS?
#

ZZPS Limited is a debt collection agency that handles early-stage collection. QDR provides the legal escalation. Letters may be triggered by ZZPS systems but sent on QDR solicitor letterhead. This “white label” legal service allows mass-production of litigation threats at low cost per case.

Can I ignore a letter from QDR Solicitors?
#

Risky. Unlike standard debt collectors, QDR are solicitors who can issue court proceedings directly without instructing external lawyers. Ignoring them is more likely to result in a CCJ than ignoring a standard debt collector. Engage early to verify the debt or dispute it.

I never received the original parking charge — what do I do?
#

QDR often pursues parking charges where the original Parking Charge Notice (PCN) went to an old DVLA address. Request proof of service of the original PCN. Challenge the claim if you were never properly notified. Many “surprise CCJs” happen this way.

Will QDR Solicitors accept a settlement?
#

Often yes, especially on older debts or parking charges. Parking operators bought the debt for pennies, so they’re willing to settle for 40-60%. Get any agreement in writing before paying. For parking charges, check whether the Chan defence applies to your case first.

I paid for my fuel but QDR says I didn’t — what do I do?
#

Send a Subject Access Request (SAR) to QDR to force disclosure of CCTV evidence. Provide your bank statement showing payment at the time and location. Many fuel bilking claims are administrative errors—wrong pump number, system glitches, or DVLA address mismatches.

How do I complain about QDR Solicitors?
#

For debt collection complaints, complain to QDR first, then Financial Ombudsman Service after 8 weeks. For legal service complaints, use the Legal Ombudsman. For professional misconduct (lying, harassment, misleading letterhead), report directly to the Solicitors Regulation Authority (SRA).

If you’re dealing with QDR Solicitors and have £5,000+ in debt across multiple creditors, an IVA could stop them immediately and write off up to 90% of your debt. It takes 60 seconds to check if you qualify.

Check if you qualify for an IVA

Get Started for Free