Well it just had to happen, after all the emotions of getting IVA approved today and taking a huge sigh of relief, we've just had a knock on the door from a debt collector on behalf of Mercers (Barclaycard) I nearly died!! All these weeks we've had idle threats from this company and on the day of our meeting they actually turned up[:0]
I told him about the IVA and that we had received letters from his company last week acknowledging that we were entering into an IVA. He was not happy at all, he got straight on the phone to Mercers asking them what they were playing at. Talk about bad communication within a company!
I must admit he was lovely with me and could see I was very upset. He apologised for his visit and assured me that we would have no further calls from him or anyone else from his company. He even told me that he too had been in our position and that there is light at the end of the tunnel.
The worst thing about it was the children were all at home and my husband was desperately trying to distract them into another room so they could not hear what was being said. We told them a fib that it was a man from E-ON trying to sell us Gas.
Still can't believe this has happened today of all days,it has just again brought it home to me what a mess we would be in without the protection of our IVA.
Thank goodness he was nice - but what a complete waste of his time, the creditors time and your time. I fail to understand why creditors continue with this sort of action, when they have been made fully aware of their customers situations by them directly and the IP acting for them.
Thanks Julie, I'm going to try to get it out of my mind now or I'll start worrying next that other creditors are going to turn up. (My husband always tells me I'm never happy unless I'm worrying about something!!)
I feel kind of numb now, I know that I should be really happy, and deep down I know I am, and eternally grateful that we have been granted a second chance, I just can't stop sobbing, I've cried more today than I have in months, it makes no sense, I don't even know why I'm crying.
A lot of people feel that the acceptance of their IVA is a real anti-climax, and get worried that they have nothing to worry about any more! It is natural Jo, so try to relax and just get things straight in your own mind. The next few weeks will be much easier for you and you will soon put this all behind you.
You're bound to be feeling emotional, dealing with debt is very stressful. You now have a plan to go forward and get you debtfree. You also have the added bonus of support at anytime from this forum [:)] xx
Thanks Melanie, I'm not a complete fruit case then!!
Just wanted to say a really big thank you from the bottom of my heart for everything you have done for us. You have a fantastic team working for you and I cannot fault the way your company have handled our case every step of the way. I will have no hesitation in recommending your company to others.
I has been an absolute pleasure to work with you guys, and I am delighted that you got the result that you wanted. I know that there was some last minute negotiation, and my colleague Hywel (who has just become a Dad for the first time) deserves all of that credit for avoiding an unecessary payment increase.
bettyboop....you will feel a bit "all over the place" for a wee while..esp re someone actually at the door.yikes!!!!....go with the flow if/when letters arrive...phone rings etc... you know for sure you are legally protected so just smile your way through it....
IVA completed 11th Dec 2009 due to a Full and Final with the fantastic help of Michael Peoples and
Mc Cambridge Duffy
bettyboop, I had a mercers debt collector out to the house, she was lovely and wasn't too happy that she hadn't been told about me proposing an IVA either. Can't believe you got one on the day of your approval though![xx(] It can only get better from here.[:)] X
You're so right viki, it can only get better and I'm sure it will!
I was kind of looking forward to handling the creditors on the telephone now we've had our IVA approved, but having one turn up on the doorstep really knocked me for six, I was soooo not expecting that today!
It's been a funny day altogether really, we woke up to find our electricity had tripped out, later to find out it was due to our dishwasher deciding to pack up on us.(today of all days) I had an awful feeling it was a bad omen, the start of things to come! Then my husband had a very rude lady on the telephone from Student Loans Company trying to tell him that his loan could not be included in our IVA (this was complete rubbish!)and I guess the doorstep collector was the third thing (things usually happen in 3's don't they)
At least we got a positive outcome on our IVA though, I can just about cope with the other things,but don't even want to think what I'd be feeling right now if the decision had gone the other way.
Moretolife, as predicted I couldn't get to sleep last night and I did start to read your blog (from the very beginning)and you were right when you said I'd need a few hours to read it all!! I got about a 3rd of the way through it and like a good novel, once you start reading it you don't want to stop, it's great!!
Jo x
