www.iva.co.uk

I don't know if mods will allow such a thread but there some seem a common themes re certain debtors being reasonable others not.

For me pre IVA

MBNA were by far the worst with automated calls 8am Saturday and of course daily calls in evening afternoon etc etc.

Northern Rock agreed after 2 calls £1 a month for a year on a 16k debt.

Funny thing Northern Rock voted against the IVA (still went through)

MBNA when they realised I was going into IVA said they would accept about 35% of the figure.

Amazing when you consider 9 calls and letters just to reduce the £650 interest they were charging monthly on the arrears.

For me the worst were Egg - had at least 20 missed calls per day before the IVA was accepted.

MBNA and HSBC only wrote and I owed them the most.

Mint sent me a lovely letter wishing me well(I am in ill health) and telling me they hope the IVA is accepted.

It varies from person to person - what is bad for one is not always bad for another.

I must have been lucky got one call from egg I told them I was entering an IVA and gave the details to the lady on the phone, never had anything from them since. Lloyds again took all the details of my IVA and that was it from them, my credit report shows settled as well with Lloyds. My wife got pestered by her store card company until we exhausted their complaints procedure and threatened the next step of seeking compensation from them via the ombs, her store card debt was less than £900.

Bank of Scotland and Nationwide were the worst for me. Bank of Scotland called constantly everyday and were very agressive in trying to get money out of me, they had me in tears several times. I had my current account with Nationwide with a large-ish overdraft, they were very quick in trying to issue a CCJ and wouldn't accept I was going into an IVA until it actually started.

Egg without a shadow of doubt.

Paul

MBNA never bothered me once and I owed the most to them

On the other hand Nationwide were awful, calls on home phone at 8am everyday then when that went unaswered they immediately called my mobile. HOWEVER they were brilliant once the IVA went through! The IVA is in my name but the overdraft is joint. My husband doesn't work due to a disability, so he only has DLA & Incapacity benefit and we wrote explaining this and offering a small monthly payment for the overdraft, they wrote back and said they wouldn't pursue him for it, even my IVA company were bowled over by that! So terrible on calls but sensible & understanding in other areas!

MBNA by FAR! Constant phone calls at ungodly hours.

Have to say Egg were fine, but that was in the days that it was owned by Prudential and not Citibank and then Barclays...

Mercers were my worst nightmare!!! Constant calls which I ignored.

I had relentless calls from egg and even when our IVA was approved they sent us a letter with IVA in thick huge black letters scrawled on the heading of the letter that you could see from the window of the envelope so everyone could see it! I was not amused!

Mercers for barclaycard were pretty threatening too and trying to convince us not to go down the IVA route, pay them instead of our other creditors etc etc

That is awful Lem! Although saying that - I could tell from some of the envelopes what they were by the word default in bold black showing through the envelope.

I just hope that my postman had so many letters to deliver he didn't have time to look at them all!

Mercers were strangely ok with me but probably because by the time they got involved my IVA had been approved. The guy wished me well and apologised for Barclaycard referring it to them after the IVA acceptance.

MBNA were my worst by far and they voted against. HBOS were really supportive who i owed 50% of my total debt too. Egg were pretty uninterested a couple of phone calls and standard letters. Next never rang and only sent statements. LLoyds, again, only sent statements. It seems a long time ago since I had that fear of a statement arriving or a phone call.

Creation were my worst by far x

mbna were by far the worst for me closely followed by hsbc via mumbai i only got one letter from egg and i found cap1 easy to deal with

Barclaycard were bad for me even before Mercers got involved. The last call I had though was on the day my IVA got accepted and I've had nothing from them since.