Story so far:
IVA's approved 20 April this year, 2 payments made so far in accordance with agreement, getting used to it and determined to make it work, BUT:
hubby had loan with Barclays (less than £4k outstanding) and they will not give up. It all went very quiet for a while but over the last week or so they're back to ringing several times a day, texting as well and actually not being very nice at all. They won't listen when we tell them what's happened, ip office have confirmed that paperwork has been sent to Barclays more than once (and I fully trust them) but Barclays deny all knowledge and will not listen to us!
Call tonight lasted for 10 minutes, hubby too polite to hang up on them but it's really getting to him.
If this continues, the prospect of bankruptcy and them getting nothing is becoming more appealing. We really can't take much more from them.
Sorry to rant but I had to vent, I hate to see hubby distressed like that and not able to do anything about it.
I have had this with Barclaycard. They just do not seem to understand that we now have an IVA. I spoke to cleardebt regarding the harrasment we were getting. They said they would contact them again for us. They called the day after and i spoke to them and was very rude to them. I have not heard nothing now for over a week.
Can you bar their number on your phone.
Do not let them grind you down. I think their is also something where you can report them to the courts for harrassment, one of the other members maybe able to confirm this. I also wondered about reporting them to the Financial Ombudsman to see if they can do anything. Not sure tho if they deal with debt matters.
Chin up, and that's what the boards are for.
I know money is tight right now but try to invest in a 'Caller Display Phone' my IVA has not gone thru yet so was expecting lots of calls but the only creditor that calls day and night is 'Barclarcard' and the debt is less than £900!! they have rang at least 8 times today but I knew who it was because of caller display. Mind you creditors will start realising this soon and try another tactic. Good Luck.
It sounds bad Pap - if they will not take any notice of the IP then write to the Court who will intervene - Barclays will not ignore them = if they do it will at their peril. You could direct Barclays to the Insolvency Register of course.
Sorry to hear that you're still having problems with Barclays Pap. I know exactly how you feel though. They were still ringing me 3 months after my IVA had been approved, and if that wasn't bad enough it was my workplace that they were phoning! They only stopped once I insisted that they check the insolvency register whilst I was on the phone to them. I do hope you get this sorted out asap as it's something you can certainly do without! Take care xx
Thanks for all your support,
it just really gets me mad to see my hubby trying to tell these people and them totally ignoring what he's saying and going on and on about wanting their money. We're doing all we can and I wish they'd treat us better and not make us feel like criminals.
Personally if it were me I'd tell them where to go in no uncertain terms but they won't talk to me cos the loan was in his name, he won't do that as he's too nice.
Oh well, I expect we'll get there in the end, hopefully it won't be through us throwing in the towel.
Hi Pap, I am sorry you are getting all this nonsense. I had the same with Lloyds TSB. Tell hubby to fail thier credit check by giving false info they will soon put the phone down. Just give the wrong date of birth, I told them I couldn't remember being born and after another couple of calls the same night they havn't rung since. About 6 or 7 weeks now since I had a call.
IVA.co.uk The best place for debt advice. Thanks to Melanie Giles, David Mond, David and J (Elv5) Kallis, Dand, Skippy, Andy Davie
Unfortunately it can take time for the information to filter through, but that still doesn't give them the right to keep harrassing you. I know it's difficult but hang on in there as the calls will stop eventually [:)] xx
Don't enter into a conversation with them, they will keep on and on, as your husband has found.
Forget politeness - just put the phone down!
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
We have complained about this to Barclays again Pap, and it will die down soon. Try and get your hubby to simply tell them you are in IVAs, and that he is under instructions from his IP not to engage in conversation with them. Then politely put the phone down. This is all that needs to be said.
