Unbelievable! Assume it was a "baliff"?

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HuskyLou

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Post by HuskyLou » Thu Mar 06, 2008 10:41 am
Morning

Our IVA was approved 100% a month ago and we are 2 payments into it and feeling really good[:D] then bout 15 minutes ago doorbell goes and it is what I assume was a baliff calling on behalf of HSBC (black portfolio type things and a worried look[:I]). Told him we were in an IVA and that HSBC were aware - I'd barely finished saying this and he turned round and walked off.

Doh! Good job I'm taking the tablets [;)]

Huskylou x
The future is alot closer than you think.
 
 

vic74

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Post by vic74 » Thu Mar 06, 2008 10:43 am
Blimey huskylou you dont need that! still at least you sent him packing well done!!!
 
 

Adam Davies

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Post by Adam Davies » Thu Mar 06, 2008 10:47 am
HI
Well HSBC will be picking up the tab for that call !!
This is the strongest part of an IVA,protection from legal action/collection from your creditors.
Regards
Andam Davies
 
 

sblack

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Post by sblack » Thu Mar 06, 2008 10:51 am
The big banks do not seem to know what is happening from day to day. All they want is payment and nothing else seems to matter. I have received phonecalls wanting payments from 2/3 different people at the same bank on the same day and they have not got a clue what was said in the previous conversations. They will then ring back the next day with no recollection of the previous days calls. We have got our creditors meeting on the 14th March and I have spoken to 3 of our creditors this week who apparantly know nothing about an IVA bieng proposed ????.
"Life is too short to wake up in the morning with regrets. So love the people who treat you right, forget about the ones who don’t and believe that everything happens for a reason. If you get a chance, take it. If it changes your life, let it. Nobody said that it’d be easy, they just promised it would be worth it."
 
 

HuskyLou

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Post by HuskyLou » Thu Mar 06, 2008 10:55 am
Strangley about 10 minutes before he came the postman had delivered letters from HSBC saying that as we are now in IVA our accounts have been frozen, can we return cards/chequebooks (Er no, they've been destroyed but thats another matter) and they require no further contact from us and will not be contacting us in the future [B)]

Arse...elbow??
The future is alot closer than you think.
 
 

ray_a

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Post by ray_a » Thu Mar 06, 2008 11:42 am
Interesting and just wondering whether it was a try on to see if they could frighten you to pay extra though!
 
 

HuskyLou

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Post by HuskyLou » Thu Mar 06, 2008 11:53 am
Picked the wrong person - he looked more scared of me than anything!
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iva experts

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Post by iva experts » Thu Mar 06, 2008 12:33 pm
Its amazing how long it can actually take for IVA information to be passed down to the necessary departments.
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Michelle Pontes
IVA Experts
http://www.iva-experts.co.uk/
 
 

Soulgrowth

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Post by Soulgrowth » Thu Mar 06, 2008 12:34 pm
This, for me, has been one of the most rewarding things about being in an IVA ... you may have debts to address but it shows that you have done so morally and legally and have the backing of, and therefore the protection, of the law of the country in doing so. It's a truly powerful feeling after having been through a wholly powerless journey of feeling 'indebted' to people.

Debbie
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ianmillington

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Post by ianmillington » Thu Mar 06, 2008 12:42 pm
sblack wrote:

The big banks do not seem to know what is happening from day to day. All they want is payment and nothing else seems to matter. I have received phonecalls wanting payments from 2/3 different people at the same bank on the same day and they have not got a clue what was said in the previous conversations. They will then ring back the next day with no recollection of the previous days calls. We have got our creditors meeting on the 14th March and I have spoken to 3 of our creditors this week who apparantly know nothing about an IVA bieng proposed ????.
The person you spoke to probably doesn't know about the IVA. They may be in Delhi and the proposal is on a desk somewhere in Britain! In many cases we are required to send the proposal documents to specific places which is unlikely to be the customer service centre you are speaking to. You would think that somewhere along the line the system could be updated though.

Ian
Ian Millington
Insolvency Director
PDHL Ltd (formerly Personal Debt Helpline Ltd)
www.pdhl.co.uk
 
 

sblack

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Post by sblack » Thu Mar 06, 2008 1:01 pm
Thanks Ian,
In reply, they did confirm they were the department that IVA proposals would be sent to.
"Life is too short to wake up in the morning with regrets. So love the people who treat you right, forget about the ones who don’t and believe that everything happens for a reason. If you get a chance, take it. If it changes your life, let it. Nobody said that it’d be easy, they just promised it would be worth it."
 
 

chris.g

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Post by chris.g » Thu Mar 06, 2008 3:54 pm
Unfortunately, that's the way some call centre advisors work, take a call but make no notes on the account details, therefore no history of the call or query. Frustrating for us and to be honest, to the good advisor who then has to pick up the call from an irrate, frustrated customer, [:(!]. It sounds like the 'breakdown in communications syndrome' that companies tend to suffer from. I expect it won't happen again, but at least you now know how to get rid of them!!! lol [:D]
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buttercup

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Post by buttercup » Thu Mar 06, 2008 3:54 pm
The right hand does not know what the left is doing. I have had a letter from Mint acknowledging I am looking to enter an IVA. Then this week they sent me new credit cards (which I cut up)
 
 

ianmillington

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Post by ianmillington » Thu Mar 06, 2008 4:08 pm
Left hand/right hand I think!
Ian Millington
Insolvency Director
PDHL Ltd (formerly Personal Debt Helpline Ltd)
www.pdhl.co.uk
 
 

chris.g

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Post by chris.g » Thu Mar 06, 2008 4:08 pm
haha, Buttercup, that is a classic example......
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