Hi Hun
Glad youre getting sorted out.
Please dont worry about the calls and letters, I know they are scary but: Calls come from call centres the staff there are told to reach a target, say £200 pounds and they just phone a list of people and try to do just that. They arent interested in anything but that, its money, money, money, Most dont even know what an IVA is, or BR for that matter, they are trained to extract money, its almost a yeah but, not but, money but money but, do you get the picture?
The letters are generated by computers, that dont speak much English apart from pay or else, all of the scary words are in bold.
They shout so loud and so often because they cant cut you off, throw you out, or throw you anywhere else for that matter.
My house looked like an explosion in a nasty letter factory. Try not to take the calls personally, these people are just doing a job of work.
Just inform them that you are going to be proposing an IVA and hang up, its really not worth entering into a conversation with them, dont let anyone upset you.
Youre doing great.
Lots of love.
