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Hi

We are meeting the IP on Thursday and are about a month into it - so the calls are pretty bad and are really upsetting my wife. We have written to all our creditors and explained what we are doing(before we stopped paying) and then sent them letters of authority from the IP with a covering letter. So taken every effort to make sure they all know what is going on. My question is if I disconnect the phone and only use it for outgoing calls for my wife's sanity will this affect the voting in any way?

Hi ggr

Not in any way. A lot of people do this, and it has absolutely no effect on the decision makers within the respective lenders.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

Hi ggr

Just politely tell them to contact your IP and if they continue to phone your home you will be reporting them for harrasment.

They will get the message then and it shouldn't affect the vote as these people are like ants taking orders and no say in proceedings at all

Keith

The long and winding road will straighten out eventually....keep the faith

Hi g.g.r
It's actually an offence to hassle debtors.
Quote from The Bankruptcy Association.
The telephone has little or no place to play in debt negotiations and should be removed from the scene of action quickly.
Only deal with creditors by letter.
If creditors ring, on any matter, then the debtor should simply state that:
I am sorry but I do not discuss my private financial affairs over the telephone with anyone- goodbye'

Thanks folks for the reassuring replies. Phone disconnected it is! -
Once again let me say how good this forum is. Its only when you are in this position that you understand the almost debilitating stress that accompanies debt as you try and deal with it and come out of the false comfort blanket of robbing peter to pay paul and kidding yourself that you are actually servicing your debt. So this makes you extermly vulnerable to wrong/ misleading or indeed unethical advice that serves the persone giving it rather than the person receiving it!

[;)]

Just before you go disconnecting that phone ....... if your creditors have any other numbers the calls will be transfered to them including work !!

Automated systems work through call lists and when the primary number goes unobtainable the intensity of the calls to your other numbers can increase.

As I am self-employed and wasn't able to change my home telephone number when I was going through this stage I set up call re-direct on my home telephone to my mobile telephone which has caller display. I then never answered any calls that I didn't know the source of. Any important callers will always leave a message. This meant that I had a few high telephone bills for a couple of months, but the reduced stress was well worth it.

Debbie

hi there there ia another way to stop calls if you subscribe to bt.If you frequently receive unwanted or nuisance calls from a particular number, you can block that number from getting through to you. This ensures your peace of mind and, if later on you change your mind, you can lift the block and allow the caller to contact you again.It costs around £3.00 i used it and thought it was worth it as the calls were constant hope this helps you and yur wife. You can block up to 10 at a time.

I wrote to creditors stating that I was not willing to enter into verbal discussions with them and will only communicate by letter, I changed my mobile phone number, landline disconnected, you can request that they delete work numbers also. One company wrote one liner saying its imperitive that they speak to me and that was all, I didnt phone them. I do reply to every letter that they send though which means the cost of a stamp but it works for me. Its much more difficult for them to write the threats they make on the phone. I can at least have visitors without being hounded and made to feel useless and ashamed that I am still breathing.

Good luck and I hope you find peace soon.

LILY

fly me up to where you are beyong the distant star, I will wish upon tonight, to see you smile, only for a while, to know youre there, a breath away is not too far, to where you are.

Hi, I am afraid that I can not answer your question with 100% accuracy, but from expereicne we were in the same position 18 months ago and onething we relised is that the people that attend your meeting are reps of the creditors who are employed to solely attend IVA meetings are not interested in you as a person, just how much money they can get back, If you have followed the instructions from you IP and sent letters informing them of your IVA, you have done the right thing, once the IVA has been approved the calls will stop, please believe me, you get the odd one,but be firm and polite and say that you have just started an IVA and would they contact you IP. If they refuse then we just took their name and passed this on to the IP the next day. - Please be strong, it will stop. Good luck

one month at a time!

Hi there
I understand how you feel with phone calls, My hubby got really narky with them.
The best advice is to be firm but polite.
hope this helps


Zoe
x
Keep your chin up - everything happens for a reason!
View my blog http://zoes.blogs.iva.co.uk/