IVA meeting still over a week away

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Debtbuster

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Post by Debtbuster » Thu Apr 04, 2019 7:36 pm
I wonder if you can help. We are not due to have our creditors meeting for over a week away and all our bills are up to date, its been killing us to keep up with the payments but we have so far. Anyway my husband has received two calls now, one creditor saying he is in an Office IVA so his account has been stopped and another asking him if he has problems paying as they have him down as bankrupt. Why are they ringing us, we are not in an IVA yet and are on top of our payments

Foggy

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Post by Foggy » Thu Apr 04, 2019 8:02 pm
They have been given notice of the creditors meeting. Just refuse to discuss it with them and tell them to contact the IP if they wish.
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

kallis3

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Post by kallis3 » Thu Apr 04, 2019 8:04 pm
Your creditors will have been told of your IVA meeting so will be contacting you - refer them to our IVA company.
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

Debtbuster

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Post by Debtbuster » Thu Apr 04, 2019 9:11 pm
But what happens if it doesn’t get agreed and we don’t end up going into an IVA. Why have they got down that we are in one already

Foggy

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Post by Foggy » Fri Apr 05, 2019 6:47 am
Thu Apr 04, 2019 9:11 pmDebtbuster wrote:
But what happens if it doesn’t get agreed and we don’t end up going into an IVA. Why have they got down that we are in one already
Often the people who contact you don't know what they are talking about --- they are a third party collections section charged with getting payment. Some I spoke to didn't even know what an IVA actually was ! If the IVA doesn't get agreed you can get the IP to negotiate payment plans or go back to struggling with the payments for now while you re-group.
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

Debtbuster

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Post by Debtbuster » Sun Apr 07, 2019 3:45 pm
Or declare ourselves bankrupt I guess. Apart from the car we pay for each month we will be no worse off than doing an IVA. I would have to see if my parents can buy us a cheap run around

Foggy

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Post by Foggy » Sun Apr 07, 2019 4:19 pm
Sun Apr 07, 2019 3:45 pmDebtbuster wrote:
Or declare ourselves bankrupt I guess. Apart from the car we pay for each month we will be no worse off than doing an IVA. I would have to see if my parents can buy us a cheap run around
BR is always an option ... but will cost £750 per person up front! If I were back in the situation I was when I entered my IVA, I would probably go for BR instead, but I had this notion of trying to pay back as much as possible --- nearly 10 years of seeing what creditors and, indeed, some insolvency firms act like has tempered that naive notion somewhat !
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

Debtbuster

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Post by Debtbuster » Sun Apr 07, 2019 5:03 pm
We are paying £1000 a month in minimum payments so I think skipping 2 months payments would get us those funds

luluj

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Post by luluj » Sun Apr 07, 2019 9:26 pm
Just either ignore the calls or refuse to answer the security questions
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"

kallis3

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Post by kallis3 » Mon Apr 08, 2019 9:03 am
I agree - ignore them. It's only a call centre and they have a script to follow. If you have Sky or Bt you can have their call blocker which is free and people have to say who they are before you answer the call so I imagine most will hang up. It's solved spam calls on my phone!
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
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