HELP PLEASE re: Debt collectors

[Red]

Hi

I had my IVA approved on 23rd April, my first payment is due this month, since then I have had no calls from creditors except one from Barclaycard. Today I recieved a telephone call from a debt collection agency stating that they would be coming to my home to remove goods on behalf of barclaycard. I explained that I am in an IVA and that Barclaycard are aware of this, in fact they voted in favour of it at the creditors meeting. The guy I was speaking to stated that being in an IVA made no difference. I have contacted my IVA company today but they are not operating at full service due to bank holiday and are going to get someone to call me back tomorrow. I wanted to know if the debt colletors can do this and what should I do if they turn up at my door?

Thanks

[MelanieGiles]

You are obviously talking to someone who does not understand insolvency proceedings. Let your IP deal with this for you tomorrow. Debt collectors can certainly not continue debt collecting once an IVA is in place.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

[scaredkez]

red, calm down, firstly they can not come into your home without a baillif and a warrant, you do not even have to answer the door to them, if you do answer the door, politely tell them you know your rights, you and please leave your property or you will telephone the police, that is if they show up they like to use scare tactics.
first thing in the morning telephone your IP and inform him of whats going on and let them deal with it, you will hear so many stories off these collection agencies they are not true, where possible get the name of the company and any person you deal with.
under no circumstances let them into your home, no matter how frightened you are, you are covered by your iva and even if you weren't they have no power to enter your home.
please take care and let us know how you get on
kerri


Please view my blog at: http://scaredkez.blogs.iva.co.uk/

[Red]

Thank you very much Melanie and Kerri

I feel better now. I managed to get a name, number and company name so I'll definately call my IP back first thing in the morning.

I can now go on enjoying the bank holiday![:)]

[Adam Davies]

Hi Red
This is nothing but scare tactics and is quite appalling.Please let us know if you have any further trouble with this company.
Regards

Andy Davie
IVA.co.uk Spokesperson and site manager
(aka Neverending)

Please check out my blog: http://andydavie.blogs.iva.co.uk

View my profile here:
http://www.iva.co.uk/andy_davie_profile.asp

[freelili]

Hi Red

I had someone call at my house, I was terrified but told the man to go away, he said he had come to remove goods. He did go away, he came in a small corsa, what they really want is money not goods. Tell them to go away, I know how scary this is but the law is on your side and there is nothing they can do.

Take care

LILY

I believe that angels breathe and love will live on and never leave. I cherish all you gave me everyday.

[Red]

Thanks everyone. I'll keep you updated.

[Oliver]

As already posted you are protected by your IVA and these are just scare tactics. Stick to your guns and follow the advice given above.

All the best.

Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp