I remember the calls , i didnt find them that bad but at points they did seem relentless.
To be fair they stopped as soon as IVA was arranged and bar a couple of letters ref debts being sold onto max recovery I havent heard a thing.
The long term benefits of an iva far outweigh the hassle of the calls and whilst it appears to be a hard slog all the way through its certainly a lot better than the life i had before.
Now i have money to live and dont have the constant worry i used to have.
Im lucky one year left so lots to look forward to but still some way to go so im not getting carried away.
I used payplan who i have to say have been excellent however i would have probably used Melanie Giles if i had found this site before as the feedback is excellent.
Whilst I dont want to put you off there will be other situations during your ive which will stress and cause hassle just like the calls, such as boiler breakdowns / car repairs etc etc but i honestly beleive its nothing compared to the worry i had before.
Hope this is of some re-assurance
I am being chased too, by demons!! And my "stuff" has been going on a while - don't worry, as the others say, just talk to them, that's what I have done (not necessarily when they call, but I do call them back) - most are ok, but Mercers are particularly nasty as have no shame in making you feel about an inch tall and the most irresponsible person in the world.
I'm toughening up a bit now, and like you, getting very organised!
Good lUck, I am sure things will turn out ok
Under s40 of the Administration of Justice Act 1970 its an offence to cause alarm, distress or humiliation (I'm paraphrasing) when collecting a debt.
I have years of debt collecting experience at the dirty end of the business and some of my branch managers would have encouraged me to use every trick to get a payment (or an attachment of earnings order). However - most of my area managers would have jumped on me from a great height.
You need to complain; if you have been unwelcomely contacted at work when there are other reasonable means to contact you. Keep it in writing if you prefer,
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