Am I doing the right thing?

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kallis3

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Post by kallis3 » Tue Jul 28, 2020 9:04 pm
Hopefully this can be sorted.
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

maria360

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Post by maria360 » Mon Aug 03, 2020 10:24 am
So it's been nearly a week, and Lloyds have unfroze my current account I have with them (I had a credit card with them). During the freeze, my friend went and sent me some money she owed me to that account, so that's lost forever. My other friend did the same thing this morning, and it arrived! So can i use that account now as normal do you think? Very odd.

*I do have a different account which I opened and use as my normal day-to-day account, but my friends didn't ask about my account, and just sent the money over to my old one without checking*

Foggy

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Post by Foggy » Mon Aug 03, 2020 10:28 am
I would not use the old account --- just use the new one. The money your friend sent while the account was frozen should either now be available in the old account ( I would take out in cash anything in there) or should have bounced back to your friends account --- it should not be 'lost forever'.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

maria360

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Post by maria360 » Mon Aug 03, 2020 10:36 am
Thanks Foggy, I shall ask her to check and get her to send it to the account I asked her to in the first place!!! lol

maria360

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Post by maria360 » Tue Sep 29, 2020 9:45 am
Hello everybody!
As you know, my IVA was approved on the 28th July.

Does anyone know when the phone calls and constant letters of default payments will stop? I get them every single day. Its driving me mad now!

:D

kallis3

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Post by kallis3 » Tue Sep 29, 2020 10:04 am
They should stop soon. It does take a long time for information to filter down to the call centres. Just tell them you are in an IVA and they should notbenot be calling you. Letters can be forwarded to your IP for them to deal with, otherwise just shed them or return to sender (will be at their cost.)
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

Foggy

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Post by Foggy » Tue Sep 29, 2020 10:30 am
As Kallis says, it takes a while to filter through and, I imagine, the current pandemic is slowing things down even more --- the computers happily carry on spitting out automated letters, but no human is available to press the right buttons to get it to stop !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk
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