just got home

[TheMatrix]

The ones that kept ringing me back morning noon and night were The Halifax, Abbey and MBNA. The latter even tracked me down at work much to my disgust, as I did not tell them my works number.

Surprisingly my biggest creditor HSBC hardly ever contacted me.

If any of these companies make you stressed tell them you are not prepared to talk about it with them on the phone and give them the name and number of your IP. After that if they still don't get the message HANG UP. No point getting more stressed.

[Wizzard]

Unlike many of you I have no contacts I have to worry about so I just changed my phone number. It cost nothing and only took 24 hours. If you go this route and you are not with BT for your internet connection remember to notify your ISP of your new number.

[michael.t47]

i was at work today an must have had 10 calls from 0845 number on my mobile so did not answer as it was not convenient, no msgs left
got home an 10 missed calls, some msgs fro automated robot sounding people
may just wait for letters then respond to them
thanks all for the advice

[Soulgrowth]

Michael ... that's the way to do it ... don't answer the calls ... it will all be history soon and life is far too short.

Debbie

[michael.t47]

thanks debbie just afraid they will start ringing work number too
just looking forward now an want it all sorted

[angela18]

hubby still get calls from robots usually lloyds tsb.. our iva was approved 4 weeks ago!!!

[facingittogether]

michael

i sympathise with you i hated the phone calls!

most of the time i would answer the phone at home though as i thought if they spoke to me at home they less likely to contact me at work and they didnt!

i never phoned them back though if i missed their calls! as not going to run a big phone bill up ringing them, as like others have said most of their calls are a last ditch attempt to get a payment out of you!

try not to let them get to you!

barb x

[michael.t47]

its lloyds robots ringing so far, other creditors have not become defaulted yet
so iknow its gonna get a lot worse before it gets better
but ifeel so good after speaking with tina last week again
my wife is hopefully gonna get a good job offer next week an i speak with tina again on thurs

[angela18]

you'll be fine.. the good thing with robots is you can just hang up on them..

[facingittogether]

some creditors never even phoned once, others were a pain, mercers were the worst - but most of it is just scare tactics!

good news about your wife hopefully gettin a job offer - you will then be able to move forward!

remember keep posting - this forum helped me so much - and still does!

enjoy the rest of your weekend, dont let them spoil it!

barb x

[michael.t47]

thanks Ang
i know i will
had a few tearful moments this week
but wife had a positive interview on thurs
she got 6 weeks left on her notice
got another couple of interviews in pipeline
fingers crossed for tues cos the guy who interviewd her actually created a better job for her during the interview but had to speak to his business partner and he is hopefully gonna put a package together for her and contact her tues
so please keep fingers crossed

[facingittogether]

have got everything crossed!

barb x

[chris.g]

There was a great north-east comedian by the name of Bobby Thompson, there was a line he used which went like this.....(got to be done in a broad Geordie accent)
the provi man(creditors) were knocking on the door and his wife was flapping..."let 'em knock!" he says, "the paint last langer than the skin........"
without being flippant, I think this says it all when it comes to those harrassing calls and letters......
xx

[michael.t47]

thanks chris
thanks barb
fingers crossed for doncaster vs leeds at wembley tomorrow

[TheMatrix]

thanks debbie just afraid they will start ringing work number too
just looking forward now an want it all sorted

If they do Michael, just explain that you are at work and are not allowed to take personal calls and that you will call them back when you get home.

Take a name and telephone number of the person calling.

Call them back from home, explain that you are in the process of arranging a IVA and they are jepodising your job and thus your ability to pay them back in a IVA by calling you at work.

It worked for me with MBNA they did not call me at work ever again. Also get your IP to call them to have a word too.