The letter template to the head office of the bank/creditor is the way forward - address it to the CEO ensuring you references are included. This will get a quick response especially as the harrassment is against the law. Good luck.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
Hi Angelrainbow,
Sorry for the delay in responding, I found out of all my creditors that the LTSB were far the worst of the bunch.
The hassle and stress that they caused especially after the 'relief' of having my IVA accepted.
Funnily enough they voted yes to my IVA proposals, that was an overdraft, two C.C.s and two loans so you would think that after a couple of months that the internal communications would have filtered thru by now, even to the call centers.
I found that my I.P. was very helpful is dealing with LTSB and as David says, it is harassment and they are breaking the law so please don't worry, I know that it is very annoying that they keep phoning but try and think of it another way, that they are going to get nowhere by doing what they do and just think to yourself how stupid they are being by 'bending' the law and just laugh.
Why not do what some others do, ask them to hang on a sec and just leave the phone off the hook and see if they are still there, say an hr later, gonna cost them a fair bit, especially if its a mobile
It may only be a drop in the ocean to them but it will make you feel better...trust me I've done it and it does [;)]
Again, you are protected by the terms of your IVA, its just a pity that the creditors can-not default on an IVA agreement as we can.
hi
angela
im having the same problem as yourselve , i rang my post app team twice last week regarding the phone calls and text messages , they re faxed the chairmans report and other paper work on thurday to lloyds tsb and thephone has not stopped ring from lloyds all different numbers and ive just checked my mobil and there another text message , i have also sent copies of all my letters to my ip.i have 2 ccs and od account and a loan with them . if they still keep ringing me by the end of this week will report back to my ip to chase this up
hope all gose well with you and lloyds[:)]
Yes - I did it with Northern Rock and had an answer within 24 hours!
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
Letter was sent direct to me as the complaint was made by me on behalf of the client. I had the clients authority.
To my mind this is what we as IP's should do to help clients and prospective clients.
Also the Debt Resolution Forum is taking an active role currently on creditor issues.
Last edited by David Mond on Mon Nov 03, 2008 9:27 pm, edited 1 time in total.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
I agree with you, but do not think our clients would get much of a response if they were to write directly. Many of my clients have tried to do this and are just completely ignored.
The "one voice" approach does seem to be working, and I hope it brings about change in the continuing issue of unecessary correspondence - if only to save the rain forests!
I have an in with LlyodsTSB - give me a call when I am back in the UK and we can discuss offline.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
I have rang my IP. They were quite interested to hear this. They had been on to Lloyds on my bhealf already, and Lloyds apparently said they had never contacted me. I gave my IP the number for the collections department and they are going to ring them and give them what for. Will see what happens
