MBNA have managed to spoil my weekend.
When I got home form work yesterday I received in the post default letters for my accounts demanding that I repay my debt and they will be taking me to court. I know they can not touch me but it is still upseting. Of course I will speak to my IP on Monday. Do they normally do this. None of my other creditors send letters. I am 5 months into my IVA.
Ignore them in the knowledge that they cannot touch you - you are in an IVA, you are protected from the actions of your creditors, and they are wasting their time and their money.
hi country girl your ip team should be able to sort this out,i would send a copy of any letters you recieve from creditors to your ip,and a note that they are breaking the iva terms and conditions by contacting you in this way.if this persists i would have thought mbna could be punished in some way by the court who dealt with your iva, eg all monies you owe them be written off because of them breaching the rules of the agreement.i,m aware that if a person entering into a iva and knowingly commits fraud during the application they can be prosecuted and go to prison,so similar stiff punishments i would have thought could be applied to creditors who breach the rules, say by means of a debt write off,hopefully one of the proffessionals can put more light on this.try not to worry you may be able to turn this harassment in your favour.
Last edited by MRBLUESKY on Sat Aug 15, 2009 10:03 pm, edited 1 time in total.
maybe not but i would have thought a court would take a dim view of a creditor persistently breaching conditions of a legal binding agreement.i feel very fortunate i had no hassle from my creditors,but there seems to be regular posts from people in iva,s these days about creditor contacts post iva agreements.
Last edited by MRBLUESKY on Sun Aug 16, 2009 9:58 am, edited 1 time in total.
Thanks ronald.h1
Will speak to my IP tomorrow. All I want is for them to leave me alone.MBNA seem to be the worst offenders for this, it would be nice if they could be stopped.
I agree with Skippy. There is no way a court will write off the debt, regardless of the harrassment.
It is annoying, but I would personally ignore them.
We have just had letters from one of our creditors saying the same thing - we just sent them off to our IP and didn't let them bother us.
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
They can do nothing at all, it's just costing them time and money.
It's annoying, but don't let it get to you. You can come on here and have a rant about it anytime!
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
If it is the same sort of letter that we had, they probably won't hear anything again.
Send it to your IP and then forget about it.
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
There is absolutely no need here to talk of Court or injunctions. Who do you think is going to fund the legal costs of that Ronald??
The bank is not doing this on purpose to harrass - there will be a problem with the internal communication system, which will get sorted out by your IP. In the meantime just ignore the letters.
I had the same thing this week with MBNA and my IVA has been running for three months. Ispoke with my IP and as everybody says Ignore them!! enjoy the protection that an IVA affords you and just say to yourself that this over bearing company will never ever have a hold on you again
There is always an answer! You just have to find it!
