Debt collector has just been to my house!

[Viki.W]

Thanks for the support, you're all lovely.

I have a big file and couldn't be more organised and I've got all the recorded post office receipts, but I just went into shock and started shaking. I didn't want to invite her in, I didn't want to shut the door on her but I didn't want to leave her on the doorstep either so I just stayed put![:I]

I might just call them again rb, it won't hurt. My Dad's just called from his mobile to see how I was....ah, bless him. He said he's fine and not to worry about him. I hate doing this to him and I can't stop worrying.[:(] X

[Viki.W]

I've just got off the phone with mercers. They DO have all the details so they don't know why the debt collector didn't know that, but they said that just because I am in the process of the IVA, it will not stop them trying to collect on the debt. It won't stop until the IVA has been approved. Fair enough. Fingers crossed they won't come again. Now I'm worried about the other creditors.......[xx(] X

[aguise]

Oh honey, I just came back from shopping and saw this. Try not to get upset, Dad seems ok,but it must have been awful, dont worry hopefully this will all stop for you soon.
Big hug.
Ang xx

[johnt]

It is quite rare for companies to door step like this.

Unfortunately Barclays seem to have a problem voting in time for clients IVA proposals. I believe it's something to do with their internal transfer of client records, Mercers, (there internal collection department), and acting on unpaid debts.

Mercers have a reputation for making clients lives as miserable as possible, and have received wide condemnation for the way in which mangers encourage staff to frighten their clients.

Unfortunately because of Barclays own internal process long delays can frustrate voting during IVA approval.

Mercers no damn well that door stopping is entirely designed to frighten and intimidate, as they can often extract money from their clients in this way, a sharp practice in my view, especially when their inevitably responsible for delaying IVA approval in the first place.

If it happens again explain that your aware of your rights and that intimidating you on the doorstep will not work.

[indebtforever]

sorry to hear this viki it wont be long till they leave you in peace when the iva goes through can you not put a picture of a big rottweiller on your gate they will maybe move on to the next one[:D]

[Viki.W]

Thanks Ang.[:)] X

indebtforever, I should put a picture of my cat there, she's scarier than any dog!X

Thanks John, she was really nice though, I'd hate to have to do her job.[:0] X

[ann.s]

Viki just read your thread that must have been an awful experience, it has now got me worried as I have just missed one payment with Barclaycard and they are ringing me 10 -15 times a day but at the minute they are not leaving any messages, I wonder how long it takes before they come and visit me.

[Viki.W]

Hey Ann, please don't worry. I hope this thread doesn't scare everyone too much. It will be about 5 months now since I made a payment. X

[Jan01]

Oh Viki how awful. I hope that will be the only call and your IVA is agreed very soon. I like others had plenty of threats but no actually came.
Take care

Jan

[facingittogether]

ah vicki, just logged on and read this!

i am so sorry, i cannot believe theyhave actually sent someone, i hope your sale goes through quickly now and all this can be behind you!

i am thinking of you, your hubby and your dad and i really hope you are ok

sending you a big hug! keep yer chin up hun you are nearly there now!

love barb x

[angela18]

viki.. hope your feeling better now.. how awful, sure your dad will be fine, he knows your situation doesn't he. fingers crossed will all be over soon.. big hugs

[tori]

flippen eck that is horrible viki.sounds like you've handled it well tho.i would be in a rite flap if anyone turned up at my house.god,i got myself into a state when barclaycard rang me at work.i had no idea they even had my works number.thank god i was on duty tho and it was me who answered the phone as wer not suppost to have personal call's at work,especially from credit card companies ! out of all my creditors barclaycard have been the most persistent.

[tori]

& at the beginning they were ringing me several times a day & even rang my mum n dads house (where i havent lived for 5 yrs) & was askin my dad about my new address & started tellin him that theyd sent me a letter out n stuff.i was fumin coz my mum n dad have no idea im applyin for an iva and they have no right discussin details of me or my account with anyone but me ! however after i rang them to complain and tell them that out of all my creditors they wer the only ones hassling me they didnt ring again.x

[tori]

hope you dont get anymore unwanted visitors ! x

[chardonnay]

Hi Sweetheart,
I'm so sorry to haer you've had such a fright. I'm sure your dad will be OK, hes probably gone for some fresh air (and possibly if I was him a drink!!), and he'll come back refreshed - he's probably a bit shaken too. Give him a big hug when he gets back and then carry on.
I hope you don't get any more callers - i never had any, plenty of threats, but no actual callers. I know the fear of them calling I used to dread the door going.
I'm sending a big hug to you,
Thin will get better, keep the forum faith strong,
Love,
Chardonnay