First phone call dealt with.........

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scaredykat

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Post by scaredykat » Wed Aug 18, 2010 8:35 pm
and it wasnt too bad !! I explained my situation told her I was applying to do an IVA, she then wanted my reference number...oh, I said my IP doesnt deal with numbers so name etc given. Account now on hold for 30 days. I actually feel a little relieved...although I will admit to not answering previous calls from them today. Daughter dear answered the phone and then asked me why I was shaking !!! [:I][:I]
See Jan...thats me opening my big mouth the other day !! x
 
 

Shining

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Post by Shining » Wed Aug 18, 2010 8:36 pm
Well done you! Deal with them all like that and then end the call. You've come a huge way since your first post xx
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

nepensioner

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Post by nepensioner » Wed Aug 18, 2010 8:38 pm
Well done Scaredykat..
I am expecting the calls to start next month as this is when the payments will not be made. Have not made up my mind yet whether to be brave and answer or ignore when the number is not recognized on caller ID!!
F & F Accepted 19th Oct 2010
 
 

MelanieGiles

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Post by MelanieGiles » Wed Aug 18, 2010 10:39 pm
Proud of you! Once you have done this a couple of times it will become a breeze, and most creditors are actually quite polite when you get them talking.
Regards, Melanie Giles, Insolvency Practitioner
 
 

ThriftyWitch

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Post by ThriftyWitch » Wed Aug 18, 2010 11:29 pm
Yep I agree. First one I had was terrible, I was shaking like a leaf! Now I just tell them straight. Glad you had a positive responce to the 'no ref number' question, I wasn't so lucky, but at the end of the day we are all sorting out our problems so they can just wait![:D] Well done!
Trying to be thrifty!
 
 

Imhotep

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Post by Imhotep » Wed Aug 18, 2010 11:51 pm
I was almost in tears by the time I rang my first one.

I thought they understood at the time. Then I got a letter saying my 10.00 token payment wasn't enough and I should be paying pro rata and they wanted...

Today I've had five telephone calls from them asking for immediate payment as my credit card is over the limit. A credit card with a limit of 10k and a balance of 2.5k that they decided to cap at 2.5k then decided to add interest.

That's an 'ethical' bank for you.
Last edited by Imhotep on Wed Aug 18, 2010 11:53 pm, edited 1 time in total.
 
 

Shining

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Post by Shining » Thu Aug 19, 2010 12:05 am
It's a tough time for those waiting for meetings and I can remember it well, but it does pass, hang in there and hopefully it won't be too long until you're all telling them I'm in an IVA x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

Imhotep

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Post by Imhotep » Thu Aug 19, 2010 12:40 am
I thought sitting in the dentist's waiting room was bad. It's nothing compared to this :)
 
 

ashb

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Post by ashb » Thu Aug 19, 2010 6:34 am
This is what i did.

Sent letters to all my creditors and informed them I would not be able to speak to them on the phone, at work also. I informed them that I would respond to any letters or emails. I got a extra mobile number to give to familly and freinds, a answer machine to filter calls and didnt respond at all to silly threats of visits. When I knew I was starting the IVA I contacted them all by letter and informed them. I didnt go through any of the stress some people do and certainly did not have to deal with the disturbing calls.

good luck
 
 

kallis3

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Post by kallis3 » Thu Aug 19, 2010 6:45 am
Well done for speaking to them. I was a coward and never did. I also wrote and told them I'd only deal by letter. Didn't work though!

Just hang in there. Things will get better soon!
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
 
 

Struzzo39

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Post by Struzzo39 » Thu Aug 19, 2010 7:11 am
Well done. I dealt with them all by letter and initially my hubby took the calls and after seeing it wasn't as bad as I thought i took them too. Hang in there it will get easier and hopefully soon all will be sorted . good luck xx
Steven & Debbie
 
 

Gazsun

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Post by Gazsun » Thu Aug 19, 2010 9:56 am
Well done:-)
I have given up talking to my creditors as all most have done is try to trick me into paying money to them!
yesterday had a letter from Barclaycard saying they have put my limit up to £10500!!! BUT I have to pay them £480 NOW (it was in capitals on the letter) before I will be allowed to use up to that limit.
I now know how a reformed alchoholic must feel when someone keeps offering them a drink, luckily I have my eyes wide open :-)
 
 

scaredykat

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Post by scaredykat » Thu Aug 19, 2010 4:35 pm
Thanks Mel and everyone else !! i felt a little proud of myself too, was on quite a high when I left for work last night. That lasted till i got home this morning, the dreaded letters, and the phone ringing but i didnt get out of bed to answer it,Im sure if its important they will phone back (she says tongue in cheek) xx
 
 

Tina Shortland

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Post by Tina Shortland » Thu Aug 19, 2010 5:49 pm
Well done scaredykat - I told you your forum name would be a thing of the past soon! I hope your post gives others confidence too.

I would rest assured they will phone back but with your wings of steel you can handle it! And when you can't there is al the support you need right here.

:-)
Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.

If you’re looking for effective debt related information, articles and news, then go now to our on-line advice service at www.debtadvicetv.com

If you’re ready to ask us for specific advice or help, then get in touch at www.call-me.debtadvicetv.com so you can start to free yourself from the stress and anxiety of overwhelming debt.
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