LETTERS AND PHONE CALLS !

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john.jk

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Post by john.jk » Tue Jun 03, 2008 10:14 pm
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Just started the IVA path and have started getting the letters from the credit card companys, Saying we understand you are starting to do an IVA etc etc please ring us to talk about the matter ???
Should i ring them back !!!!
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chardonnay

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Post by chardonnay » Tue Jun 03, 2008 10:56 pm
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Hi John,
I'm a novice at this, but more experienced people will be along soon to answer your question. The letters are the start of your journey, I my experience if you call them they will offer you a repayment plan to settle the debt with them - they will not take into account anyone elses debt.(I am not an expert by any means, just another person in debt!!) Be patient and get expert advice - I'm sure you will get it on this site.
You are now on a life journey with all of those on this site -everyone here helps and supports each other, they are super. It's a bumpy road, but you will not be alone and others can tell you what's comming and how to deal with it calmly and reduce stress levels that come with money worries.
Welcome to the Family as I call it..
Best wishes,
Chardonnay
Chardonnay
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drowning-mummy

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Post by drowning-mummy » Tue Jun 03, 2008 11:01 pm
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Hi John, I sent my letters to the creditors as well as my authority to act letter a week ago. Only had letters saying that we are overdue and a lot of phonecalls! Not had those ones yet, but if you are with an IP then I would avoid calling them and let your IP deal with them.
"Theres always time to fly a kite....."

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http://drowningmummy.blogs.iva.co.uk/?p=3
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kallis3

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Post by kallis3 » Tue Jun 03, 2008 11:02 pm
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I never spoke to any of my creditors. Just wrote to them telling them of the situation. Once you are in your IVA, these will stop
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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drowning-mummy

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Post by drowning-mummy » Wed Jun 04, 2008 3:46 pm
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I got a text message from EGG at 7am today. That was nice.
"Theres always time to fly a kite....."

Visit my blog:
http://drowningmummy.blogs.iva.co.uk/?p=3
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chris.g

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Post by chris.g » Wed Jun 04, 2008 4:24 pm
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I wouldn't ring them, let the ip dealing with your case do that. they'll probably be trying to get some money from you before the IVA starts.
Last edited by chris.g on Wed Jun 04, 2008 4:25 pm, edited 1 time in total.
It's nice to be back......
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plasticdaft

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Post by plasticdaft » Wed Jun 04, 2008 5:02 pm
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I am not speaking to anyone,thats why my IP is getting to drive around in a nice car!!!
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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freelili

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Post by freelili » Wed Jun 04, 2008 5:30 pm
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They just want you to make a payment over the phone, they try anything. If its MBMA they like to try to deals outside of an IVA. As Chris says. Let your IP deal with it...
LILY

http://freelili.blogs.iva.co.uk

I asked God for an answer, I have to live with his reply.
Exsisto an angelus quod planto quispiam sentio melior.
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TheMatrix

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Post by TheMatrix » Wed Jun 04, 2008 5:39 pm
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Don't make any payments, pass it all to your ip and don't call them
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
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elizabethr

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Post by elizabethr » Wed Jun 04, 2008 7:14 pm
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I am just starting on the IVA route and have sent all my stuff to Melanie's team, done an I & E and sent letters informing of this to all creditors. The ones that were ringing are still ringing as yet but they are "trying to be helpful" now and want me to talk to their IVA depts - don't think they have that anyway just a ploy, whilst being nice they still ask for a payment over the phone. I politely reply - sorry can't do that as it wouldn't be fair and you will be hearing from my IP. NOt had too much hassle.
Elizabeth
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TheMatrix

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Post by TheMatrix » Wed Jun 04, 2008 7:19 pm
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They tried all sorts to get me to make 'token payments' too. Just have to stick to your guns or do what I did and stop answering the phone when they don't give up calling.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
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john.jk

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Post by john.jk » Fri Jun 06, 2008 7:56 pm
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GOLDFISH have been informed that i am starting the iva route have started ringing for overdue payment on my account, Thought this was rather strange as not due till 19th june ! When i said i dont owe you any overdue payments why are you ringing me they just hang up ??
This was the 3rd call ! Would it be worth saying to them this is haressment if they ring again ?? or perhaps them in a few stronger words ******* ? to stop !
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TheMatrix

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Post by TheMatrix » Fri Jun 06, 2008 8:10 pm
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I doubt it, they believe they have the right to call morning noon and night. As soon as you inform them that your arranging a IVA they run scared and put your numbers into a autodialler to call to get as much out of you pre iva as possible.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
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elizabethr

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Post by elizabethr » Fri Jun 06, 2008 10:07 pm
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My letters are varied now. One today from Mint saying understand you are going the IVA route here are the details your IP will need - very helpful. MBNA (A&L) have written understand you are going IVA route please phone me and discuss - not going to will just forward to Melanies Team.
Elizabeth
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emma_t

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Post by emma_t » Fri Jun 06, 2008 10:13 pm
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John, its a personal decision whether you decide to speak with creditors or let your IP deal with it but be aware that Goldfish were relentless in calling me for a realtively small amount of debt I had with them. They start around 7.30am 7 days a week and go on until about 9pm. You may not have the same experience (I hope you don't[:)]) but they called me multiple times a day.
Good luck as it is a very stressful time
Emma x
Be positive & look after yourself, there are more important things in life than debts....

Best Wishes

Emma x
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