Thought that I would share this with you, in the two weeks up or so leading up to my creditors meeting I received very little in the way of letters demanding money etc, maybe the odd phone call which is fair enough as I did owe them alot of money.
Since my IVA was approved on the 9th, I have received absolutely nothing from any of my creditors (apart from one of my creditors offering me a loan[:o)]) till today....
I received a letter from Egg which says that they have been informed of the IVA decision and that they will now work with my IP etc etc.
Ok, thats fine I thought...they are just letting me know that they know that I am now in an IVA
But at the bottom of the letter, it said that they reserve the right to carry on contacting me concerning this subject and there was enclosed a notice saying that from the 29/08/2007 they will be taking legal action to reclaim the full amount owed PLUS charges and I may want to apply to court for further time if required.
Whats all this about[?][?][?]
I know that it may take a couple of wks for the info concerning myself/IVA to filter thru the creditors system (hence the offer of a loan/different dept/different creditors) but what I can't understand is the fact that EGG are acknowledging the IVA outcome but then they carry on threatening me with court action and reserve the right to carry on contacting me.
Obviously I've been in touch with my IP and they are going to deal with it but what I can't understand is that they are clearly breaking the IVA contract and if I did that, I run the risk of my IVA failing so why can/do creditors continue like this?
I would love to turn to them and say 'well because you've broken the terms of the IVA, you now will not receive anything at all and the monies will be redistributed amongst my remaining creditors'
Don't get me wrong, I know that I have messed up and made a lot of big mistakes but I am now trying to sort it all out fairly with the IVA and over the past few wks I've felt so worried/concerned guilty and every other emotion I can think , I've had to be nice to my creditors and rightly so as it is my foolish past that got me into this mess, but there is only so much humble pie that I can eat.
I was just starting to feel better for the 1st time in months and now this, ok I know that it is EGG going thru the motions but why , its as almost they get some pleasure trying to add insult to injury and at the end of the day, all its achieved is to wind me up [:(!][:(]