Well I've just got off the phone with Debitas legal services,They chase for Capital One. Yesterday I called all my creditors,which included the likes of RMA,MERCERS,BRUNSWICK, who collect on others behalf. The reason for my calls............To wish them a happy Xmas and ask for a truce on phone calls until the 2nd Jan 2009. Believe it or not they all agreed only for me to receive a call again today from Debitas. I again wished the lady a happy xmas and she promised it was an error, and I would be left alone until 2nd JAN 2009.
I'll let you know who breaks the truce first. Happy Xmas everyone.
You'll definitely be safe tomorrow - non of them ring on Christmas Day!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
If it's any help I'm at the same stage but I call my creditors(10) every week to let them know how I'm progressing. The calls have gone down from about 20 a day to about 3 a week. I must admit I am always cheerful with them and if you call them, it gives you the upper hand in any conversation since you initiated the call.
Thanks for that advice stirling, I must admit i have been too scared to speak to them. I may try telling them about the future iva proposal (just once) and see if that would actually help. If it doesn't, I'll carry on rejecting their calls on my mobile.
The letters don't seem to bother me, but the phone calls get me so worked up. [:(]
Last edited by Breakdown on Wed Dec 24, 2008 1:08 pm, edited 1 time in total.
Very innovative Stirling - this might be useful for posters who have initiated an IVA.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
Let me know if it worked! All my creditors are aware of my current situation and have been great-except one who wants an update daily!(I am not kidding)I spoke to them xmas eve-said my proposal was still being reviewed etc.
They called 6pm boxing day! 7.30am Saturday(then another 15times till 9pm).Spoke to them yesterday when they called to say situation had not changed since xmas eve and what do you know they call me 7.30 this morning!
You have my deepest sympaty Stressed1. So far no calls at all since I finished calling them on Xmas eve. However today is another day! I will keep you posted.
Looks like Debitas have broken the truce. I have a missed call from their number.They collect for Capital 1.
Never mind I will take great delight in calling them tomorrow and reminding them to look at their promise on the 24th. I even had the presence of mind to ask her name .............i will call her back personally.
Anyone receiveing these pestering calls should use one of those noisy childrens toys that make horrible noises - give these pesterers a taste of their own medicine!
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
David Mond wrote:
Anyone receiveing these pestering calls should use one of those noisy childrens toys that make horrible noises - give these pesterers a taste of their own medicine!
Never mind a childs toy,just put a child on the line and get them to sing xmas songs!!!
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
