Hi to all,
I have spent the last month lurking and reading posts, it has been a huge source of information and helped me to decide that I needed to do something, and also that I am not the only one. I made my first enquiry to Melanie's team 3 weeks ago I cannot thank her team enough, professional supportive and non judgemental just what we all need when we are in a pickle with our finances.
Last week I sent all my creditors their letters explaining that we are applying for and IVA, Melanie's team also sent their letters. Some of my creditors are still waiting to miss their first payment which will be within the next week other's are up to 2 weeks late.
I have been on the phone most of the morning rearranging direct debits but inbetween have had phone calls from creditors. Infact I have just had another one whilst typing
8.30 RBS re loan who have no record of my phone call 2 weeks ago to explain situation and have not received either letter mmm. Last year due to a banking error 2 payments were missed and no phone call and a letter two weeks after 2nd months of missed payment.
09.45 RBS- CC wanting to speak to my Husband, I explained that he was at work and I said that I knew why they were calling and tried to explain to her the situation who rudely said she could not discuss with me and put the phone down.
11.00 Barclaycard ringing as my payment is 2 days late, previously again I have paid a week late no phone call. Again no letter has been received. She asked could I contact my IP so they can inform them of there details.
So a quick rant to Angela on the phone (sorry Angela but thank you) Just to clarify letters were sent.
So I thought I would vent on here too and just had another call from RBS-CC for me my payment is a week later, no record of any letters etc so went through situation again aargh. This lady was quite helpful and has made a note on mine and husbands card to stop calls for 28 days.... we will have to see.
So now I need to get off here and hope I have no more phone calls as I need to clean and tidy up a bit as valuers are coming later and my little one has trashed the place.
Here's hoping others are having a quieter day, I know a few are of you are at a similiar stage to me as I have been following your journeys on here.
[:(!] Sillybilly
We came with nothing, we leave with nothing.