Creditor Contacted me Tut Tut

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johnp

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Post by johnp » Fri Aug 01, 2008 7:36 pm
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Hi all hope your ok.

Yesterday the phone rang and it were a lady calling from Barclays bank about accident insurance cover. Barclays are one of my main creditors and as I have been in an IVA just over 2 years they shouldn't realy be ringing me should they?
Im not realy that bothered as I said I wasn't interested in the product and the lady politily said ok thats fine thank you for your time.
Have any of you been contacted by your creditors so far in an IVA?

Cheers for now John
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kallis3

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Post by kallis3 » Fri Aug 01, 2008 7:40 pm
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It's not the same as being contacted over your debt John.

This sounds as though it was just a sales call.

There are people on here who are still being contacted. A case of right hand not knowing what the left hand is doing.
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
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MelanieGiles

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Post by MelanieGiles » Fri Aug 01, 2008 7:41 pm
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There will be a time delay in Barclays updating their systems - but at least the call was a pleasant one!
Regards, Melanie Giles, Insolvency Practitioner
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plasticdaft

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Post by plasticdaft » Fri Aug 01, 2008 7:41 pm
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Surely the part of the company who called you have little/nothing to do with your debt so there is nothing wrong with them calling you.

TSB are my main creditor but I am still allowed to walk past their braches(albeit very quickly in case the security men drag me inside for a beating!!!)
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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TheMatrix

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Post by TheMatrix » Sat Aug 02, 2008 6:42 am
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2 years is a awful long time for them to be updating their systems... My thought though is they are not contacting you with regards to your debt but to try to sell you a product.

All banks and building societies try this on, you cannot walk into a branch these days without them trying to sell you this or that in the guise of a financial review or discussion at the counter.

Makes you wonder what they see actually, the other day they tried to offer me a loan :eek:
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
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angela18

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Post by angela18 » Sat Aug 02, 2008 7:39 am
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we keep getting letters from provident personal credit.. they get filed in the shredder!! they're like leeches who prey on the poor!!
Ang.. 13 payments in.. WOW, thats over 20% paid!! http://angela18.blogs.iva.co.uk/ well here we go

if you wish for a rainbow... then you have to put up with the rain xx
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plasticdaft

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Post by plasticdaft » Sat Aug 02, 2008 8:20 am
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angela18 wrote:

we keep getting letters from provident personal credit.. they get filed in the shredder!! they're like leeches who prey on the poor!!
Is that the one with 182%APR,I thought about applying for a loan.....NOT!!!
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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TheMatrix

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Post by TheMatrix » Sat Aug 02, 2008 8:34 am
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plasticdaft wrote:

Is that the one with 182%APR,I thought about applying for a loan.....NOT!!!
182% APR eek
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
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angela18

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Post by angela18 » Sat Aug 02, 2008 8:42 am
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no it says on letter 183.2% typical APR.. tenants and unemployed welcome??? this is on letter :-

Cash loan £300. 56 weekly payments @ £9. Total amount payable £504

been going 125 years.. bet some original loans still being paid off!!!
Ang.. 13 payments in.. WOW, thats over 20% paid!! http://angela18.blogs.iva.co.uk/ well here we go

if you wish for a rainbow... then you have to put up with the rain xx
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Lisa2009

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Post by Lisa2009 » Sat Aug 02, 2008 10:32 am
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[:D][:D] Plasticdaft you do make me laugh sometimes.

We both keep getting letters from Provident, i give them to the parrot and she shreds them for me.[:D]
http://mrsskint.blogs.iva.co.uk/ 'Our Story'


Nil carborundum illegitimi
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kallis3

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Post by kallis3 » Sat Aug 02, 2008 10:43 am
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We don't even get that now. Just had one of those little catalogue things today and that was it.

That's the only trouble with the banks once they have got your number. The insurance department will not know of the existence of the IVA, so will phone trying to drum up business.

We sometimes get calls like that and they are just told that I am not interested.
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
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Wizzard

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Post by Wizzard » Sat Aug 02, 2008 2:45 pm
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I hope I never stop getting the letters. It save me buying kitty litter, and its bio degradable. [:D][:D]
When I was young I was called a rugged individualist
When I was in my fifties I was considered eccentric
Here I am doing and saying the same things I did back then and now I'm labelled senile
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kallis3

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Post by kallis3 » Sat Aug 02, 2008 2:56 pm
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Having no puddy tats, ours go into the recycling. Best place for them![:)]
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
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Soulgrowth

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Post by Soulgrowth » Sun Aug 03, 2008 9:01 pm
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Mrs Skint ... the picture in my mind of your parrot shredding creditors letters is priceless [:D] [:D]

Debbie
Debbie
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Lisa2009

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Post by Lisa2009 » Sun Aug 03, 2008 9:11 pm
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LOL i have always given them to her she has such a great time
http://mrsskint.blogs.iva.co.uk/ 'Our Story'


Nil carborundum illegitimi
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