Alliance & Leicester

[angela18]

These are one of hubbys creditors, they have called virtually everyday, even started texting today... Hubby tells them calmly everytime that in process of putting together IVA and they say Ok we'll note the record, and then another call is received as if previous ones were a pigment of imagination!! My creditors haven't started yet, apart from missed call on mobile, really dreading it!!

[emma_t]

Hi angela

Prepare yourself as it is not easy getting constant calls...[:(]

I had many creditors so perhaps I got more than some people. A few were brilliant (mint, RBS, HSBC, Citi, John Lewis Credit Card) these all took what I said and just wanted updates every now and again.
Some were awful (barclaycard, Amex, Morgan Stanley/Goldfish) they called all the time. Morgan Stanley was twice a day and it got to the stage where I used to say 'I spoke to someone this morning, nothing has changed in a few hours..' They were pleasant but relentless.
I am glad they only had my work mobile number so I was not bothered at home.

Just stay calm, pleasant and keep them updated.
Emma x x

[connie]

sometimes i think they call regardless of whats on their notes.
i work from home and my hubby's creditors ring all day long. no matter what you tell them they still continue to ring. mine don't which is strange.
i think they even refer our details onto other companies because i get a finance company ring about 3/4 times a day trying to talk us into getting a secured loan, i keep telling them no and they still keep on ringing. i ignore their number now.
they probably have you on a loop. so they ring the same numbers every day to try and get in touch with you.
i pray for the day that our phone calls stop. i hate it. everytime the phone rings my stomach churns.

[angela18]

Hubby is feeling like that, he's on nightshift and feeling really low, can't seem to cheer him up.. probably a combination of no sleep and stress..

[aguise]

i think Connie is right a lot of these calls are computer generated and they just call you regardless unless told otherwise. Make sure if they ring that they log on their screen that they have spoken to you, that way they should leave you at least for that day.
Dont worry Angela they will end, its one of the unfortunate horrible bits whilst the proposal is being arranged.

Ang

[angela18]

Thanks Ang. I will tell him that, they've just called again. Told them hubby was at work. He said "Sorry for your trouble!!" Felt like giving him a tirade of verbal abuse... but I'm bigger than that and said "No problem[:I]!!"

[aguise]

It may help, may not. I know what you mean I felt like that. I think the thing is if they dont log the call then the computer assumes you didnt answer and rings you again.

Ang

[angela18]

well there is no point in being nasty, they are only doing there job!! Just hurts when you see people you care about stressing. He thinks I'm daft on here, but he always asks whats been said, and to ask things!!

Male pride hurting me thinks[:I]

[aguise]

I think you always feel worse on nights I do them permanently and do find any stress makes you feel very low as you are tired already, sleep in the day is never the same as going to bed at night, and trouble is if you are stressed your sleep gets affected by that as well. Stay strong both and you will be fine i am sure.

Ang

[angela18]

thanks Ang.. you always seem to make me feel better[:o)]

[connie]

i know what you mean angela about the pride. my hubby thinks i'm mental on here all the time. but since coming on here i've found loads of information and feel a lot more positive about things and most of all i don't feel like i'm alone which is how i felt before i found this site.
i'm still bricking it though incase my IVA fails.
my hubby acts like people chasing us for debts doesn't bother him. i sometimes do get annoyed with him though. (i shouldn't but i can't help it) i feel like i'm the only one trying to get us out of this mess by applying for an IVA and its me thats getting all the information together to sent to our IP and he doesn't want to help. when i mention it he just shuts down and i sometimes think whats the point should i just go it alone and stuff him. (awful i know)
he even went in a big mood today because i emailed him the documents i needed him to print off to send to our IP because i don't have a printer at home. You'd think i'd ask him for the earth.
theres just so much pressure on our relationship at the moment.
but to be honest i think its his male pride and he won't admit just how deep in debt we are. i think he thinks if he helps me he'll have to admit that if this doesn't work were going to end up bankrupt.
i'm sure deep down though, in fact i know that he's having just as many sleepless nights as me, worrying about whats going to happen.
arghhhhhhhhhhhhhhh!!!! moan over. lol

[aguise]

[:)] I just remember those weeks of calls and feeling so low myself. The forum supported me then, even though I wasnt brave enough to post. I just want to give some support in the way it was given to me.
Just to have conformation that the way you are feeling is normal helps somemtimes.

Ang x

[angela18]

I'm worried incase IVA not accepted also. Hubby has been brilliant getting info and he even made call, but I'm same as you, feel as though if I talk about it and read other peoples stories, fills me with a little hope... I think this may have brought us back closer together, as were really not talking previously. Hubby buried head in sand and I just wanted to!! We realised something had to be done when hubby was diagnosed with depression, and with male pride won't have medication. Seems to be on up now that all in open and making positive steps to right wrongs..

[kal]

I too work at home, and have found that quite hard the last few weeks, as I was getting loads of calls throughout the day.
The Halifax used to call up to about 9 times a day - and even got my husband on his mobile at work.
I have to say the last week, the calls have stopped altogether and ironically today when my IVA was accepted, we got an automated call tonight seeing if we were suitable for an IVA!!!!!
I used to put my home phone straight onto answerphone to ignore the creditors calls, and at first i was worried that no speaking to them would harm my chances of them accepting (as in winding them up), but it has made no difference at all - and kinda helped in the fact that i didn't have to keep explaining myself.
k.

[kal]

I forgot to say also - we were in a DMP before starting this IVA, and Alliance & Leicester were the only ones that started court action, even though we were paying them an agreed amount each month - they just seemed to get fed up and took my husband to court.
Luckily it has not got to the date, it will be stopped now (A blessed relief!).
k.