Just had a call!

[Til]

Wow - this is gonna sound really silly but I have just had my first chaser call since entering our IVA! For the first time I knew there was no reason to fear the call and I very politely informed them we had entered into an IVA and as such they should not be contacting me - they quickly hung up at that point - funny!

However my point is that I am physically shaking! I can barely type this message from such adrenaline! My heart is racing but I don't know why since I am not afraid of these calls anymore! I am a wuss!!!

Does anyone else feel this way even now you're in an IVA or is it me being daft?! [:I] Suppose it was from spending so long afraid to pick up the phone xx

[Viki.W]

Good for you Til. I'm like that now when I talk to them, all shaky, don't know what I'll be like if it's accepted! I bet it felt kind of great. X

[kallis3]

I had just the one on the day my IVA was approved, and it gave me great pleasure to speak to them.

I was secretly disappointed that I had no more - I was ready for them!

[Til]

Its an awful feeling isn't it?!
To be honest I thought I would enjoy it more - a sense of satisfaction at least - but I was practically jelly on the floor!
Also got a voicemail from another creditor this aft so will see if they ring back too - i'll be quivering yet smug wreck by then!!!! [:p]

You're right though Viki - is a shaky way it rather fab! I really hope you get to do it too soon xxx

[chris.g]

I still ask who's calling BEFORE I admit it's me on the phone, if you follow what I mean? Still tell hubby I'm not in if he answers the phone.... old fears take a while to fade.....and the adrenalin does kick in when the phone rings....
Good for you though Til, deep down it's a good feeling to know that they can't bully you anymore.

[kallis3]

I do love not worrying when the phone rings. I know it's going to be family or friends, or some pillock trying to sell me insurance. Those I can cope with.

[Soulgrowth]

Me too ... it's great to be able to answer the phone without worrying. Til, remenmber that the power is yours now though as you have done things right.

Debbie

[plasticdaft]

It is a massive feeling of empowernment(SP). They cannot touch you,you are protected by law. There is nowt they can do to you,and their threats are more meaningless now that they were before.

[Soulgrowth]

Absolutely PD ... well said! [:)]

Debbie

[moretolife]

we had calls for ages after our IVA ...at least 2 months...some aggressive..others apologetic....we just adopted the same spiel and hung up.....

but the funniest thing ever is that i missed getting the post...how daft is that...for months pre IVA we would get loads of post...bills..reminders..final demands etc...then after a few weeks there would be days with no post...can you believe i actually missed getting letters.!!!!
even now we go for ages with nothing but circular and free papers coming through the letter box ...and sad woman that i am ..i miss it...

but NO...dont offer to send me all yours.!!!LOL

[facingittogether]

best thing of all in my case when the dreaded mercers rang the day after our iva was accepted - boy did i have great pleasure in telling them[:D][:D]

barb x

[kallis3]

Tol you are a spoil sport! I was just going to put it in an envelope for you![:D][:D]

Barb, it was great to tell Mercers where to get off! I enjoyed it as well.

[Til]

Thanks guys - I went off to do some power-ironing to get rid of some of the adrenaline! LOL! You're right Debbie & PD - it does feel empowering and we have taken the 'power' back so in that sense it felt brill - will just have to work on getting rid of the jelly legs now ha ha!!! [8D]

And TOL I know what you mean about the post - almost seems sad that we go days and days between post - not that I dared open it pre-iva anyway!!! [;)]

[Soulgrowth]

Good on you Til! [;)]

Debbie

[moretolife]

power ironing ....YIKES .....sounds... like power walking with a dangerous weapon in your hand..!!???