My husband and I had our IVA accepted on 3rd December 2010.We have had one particular creditor (Lloyds TSB) ring us on an almost daily basis, mainly asking for my husband who has the biggest debt with them.We tell them the same thing every time yet still they ring.As if the constant hassle & stress of this wasn't bad enough they have somehow got hold of my husband's ex-wife's mobile number (they divorced 10 years ago & seperated 13 years ago) and have rung her 3 times now asking her for his number and address.They have also asked her for their 19 year old son's number (he lives with us) so they can get hold of my husband through him.
Firstly, how are they able to find out her mobile number?She is on a contract but so is my husband (although his contract is in my name).
Secondly, even though they may have been able to find records of them together how are they legally justified to involve her in our personal business so long after they split up.
I have spoken to our supervisor about this and she has spoken to the LLoyds insolvency department who say their system is running a bit slow and their records haven't been updated yet.
They phoned us again the same day!
Please does anyone know where we or my husband's ex stand legally on this.
I would call this harassment.
Hi Glen and welcome to the forum, I'm glad your supervisor is helping you deal with this. Surely if the debt has no connection with the ex then they shouldn't be contacting them?? Your business is your own, one of our experts will be along soon with further excellent advice I'm sure. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
This is a disgraceful state of affairs and should not be happening. It is out and out harrassment and I would be telling them in no uncertain terms that you will be reporting them.
If they ring again you can always insist that they look at the Insolvency Register to see your name on there and remove yours and your families details from their computers.
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
The trouble is with big companies and outsourced work is computer data bases dont updated quickly - neither do they seem to communicate.
Firstly refuse to acknowledge who you are when you answer the phone, refuse to give any personal information about yourselves or anyone else.and certaily dont give other people phone numbers out.
You have has you IVA accepted - there is nothing they can do to you.
I think the main concern is the contacting of the ex wife which is way out of order.
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
It is grounds for complaint and I would certain be going down that road.
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
Yes.Data protection must surely be an issue here.My supervisor did think we had cause to complain.Was particularly wondering about breaching IVA T&C's.
I think we need to find out if they've actually broken any regulations.Not just complain but throw the book at them so to speak.Any ideas??
Glen
I would think they have certainly breached data protection. As regards the IVA, things are sometimes very slow in being updated so I don't think you could get them on that yet.
Get your IVA supervisor to sort them out to start off with - they need to make it clear to Lloyds that this is not acceptable.
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
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
This certainly sounds like harassment to me. You must continue to pressure your IP to get this stopped.
In terms of what you can do, all major banks have signed up to a set of debt collection practices called the Debt Collection Guidance issued by the Office of Fair Trading in 2006.
Under these, there is a section regarding physical and psychological harassment detailing what they are not allowed to do. It sounds like this has been well and truely broken in your case. The next time they call, I would tell them that unless the action stops immediately, you will send a formal letter of complaint to the OFT stating that they are in breach of these guidelines.
I am not saying that this will be a magic wand but it may help.
Let us know how things go, hope you get this sorted quickly and it will be useful for any other posters who may find themselves in the same position.
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
