OMG I just spoke to my first creditor

[kallis3]

We can but hope!

[Cath]

Yes, it says that it's pending!

[Shining]

Hope they update their records and no further contact via phone Cath, some don't give in but don't let it get you down, it'll all work out in the end.

[kallis3]

I would like to think they would take notice, but from past experience it is unlikely.

[Cath]

I have just been so rude to the person that rang me just now from Barclaycard. I ddn't let him speak and told him that I'd already informed the company of my position and that I didn't want to speak to them and that my account was meant to be on 14 day hold. He tried to give me their number but I told him I didn't want it. How rude I have been but they are doing my head in!

[Max]

Cath, our Parish Priest gave my husband a phrase in Latin to say to Barclaycard - Caro putrida es. The translation is You're dead meat!. My husband only said those words to Barclaycard - it worked after a time! J

[Cath]

What is the Latin for f off? I owe them £750, the big guns to whom we owe thousands haven't even been on the phone yet!

[Shining]

I think it's each to their own but I would never be rude to anyone in latin, english or any other language. I did have a script which I kept to and would diverse from but it was always polite and always said in a calm manner.

[Max]

When you are told to have your animals put to sleep to pay them that may even make you say something that you would not normally say.J

[Cath]

I didn't swear at him, I was just plain speaking my mind, I guess it was similar to your script Lesley cos you just kept on reading and I just kept on speaking as if I had a script! That's the last time I answer the phone to them unless I have had a really bad day!

[Cath]

When you are told to have your animals put to sleep to pay them that may even make you say something that you would not normally say.J

Did they really say that to you? Barclaycard seem to be the nemesis of many people in debt. I refuse to get into conversation with them as I tried that the other day and was treated like a village idiot!

[kallis3]

I didn't speak to mine, but I'm afraid if I had have done so and they kept hassling, then I wouldn't have been polite.

It did help getting BT Broadbank Talk with a second number and being able to unplug the other phone.

[Max]

Yes they did and a lot worse such that Melanie had to intervene with the people who reprsent them. Mercers are also 10 times worse if you get invloved with them>J

[kallis3]

Mercers are one of the worst creditors to deal with.

[Julie]

Hopefully the calls will decrease soon Cath - there's loads of tactics you can use, I think it depends on what mood you're in when the phone rings.

It made me laugh when they use to warn hubby his credit rating would be affected [:D] As if this was going to make him pay!

Best advice I can give, is to have your phone on silent / unplug it.