A couple of points on the issue of creditors harassment.
It seems to be a popular misconception that it is illegal to persue a debtor once an IVA has been agreed,even within specialist IVA departments. I'm afraid that simply isn't true.
It may well be a breach of the banking code, and possibly a breach of contract, but to describe it as illegal is incorrect.
This is a serious issue, however, and from the many posts that I see on the board and from the stories that I hear from my own clients, the major problem would appear to be that debt collection agents appointed by lenders appear to think that they can say anything that they like, with impunity.
If I was facing this problem, at the start of a call I would inform the caller that the call was being recorded because of previous unacceptable behaviour.
That's a personal view, I've no idea of it's legality, but given that the debt collectors don't appear to be bothered about legal issues, frankly I think that it's quite irrelevent.
What I'm fairly sure of, however, is that a debt collector, when put on notice that they are being recorded, would temper their attitude to debt collection, just in case.
