Mega stress today......

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scaredykat

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Post by scaredykat » Tue Sep 21, 2010 6:07 pm
got my first default notice and it was really really scary !! I have told various people various times at santander what is going on but nobody seems to take any notice [:(][:(]
What do I do now ?????
 
 

nepensioner

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Post by nepensioner » Tue Sep 21, 2010 6:13 pm
Hi Scaredykat

Suspect if I was you would just send it to Melanies team, don't be scared its just a piece of paper...
F & F Accepted 19th Oct 2010
 
 

Broke of London

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Post by Broke of London » Tue Sep 21, 2010 6:14 pm
Hi scaredycat, I love your butterflies! Default notices are quite normal. Just send them to your ip. You are protected in the Iva so don't let them get to you.
 
 

kallis3

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Post by kallis3 » Tue Sep 21, 2010 6:15 pm
They will come, don't worry about them.

Let your IP know.

I had enough to paper my lounge before my approval.
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
 
 

Pandy

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Post by Pandy » Tue Sep 21, 2010 6:26 pm
Hi scaredykat, haven't seen you around here for a while, just send it to your IP and let them deal with it, dont worry I am sure you will get more before everything is settled.
If life is what you make it, I must have been in a strange mood when I made mine
 
 

scaredykat

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Post by scaredykat » Tue Sep 21, 2010 6:36 pm
thank you everyone, your advice and support is, as always, much apreciated !! Broke of London..not in an IVA yet, hopefully soon ! Pandy..I have been having problems getting on the site but do look in most days...when i can !! x
 
 

kallis3

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Post by kallis3 » Tue Sep 21, 2010 6:41 pm
The site has been playing up a bit over the past couple of days, hopefully it will settle down now.

Don't worry about the letters, and come on here and have a rant or whatever whenever you like.
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
 
 

TheMatrix

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Post by TheMatrix » Tue Sep 21, 2010 6:47 pm
In a way it is good to get these default notices prior to the start of your IVA.

File em away, or forward them onto your IP. Nothing to worry about at all.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
 
 

Broke of London

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Post by Broke of London » Tue Sep 21, 2010 6:50 pm
Hi scaredycat, that's the worst time. Some of my creditors followed up the monthly default letters with almost daily "this is your last chance" phone calls but it had no impact on the way they voted and that's all that matters. They dry up after the iva is accepted. Do you have date set for the creditors meeting?
 
 

DMB

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Post by DMB » Tue Sep 21, 2010 6:58 pm
Hi Scaredykat,I personally didnt answer any phone calls or reply to any letters.I just sent everyone one letter explaining what was going on with the IVA application when advised to do so by my IP.
Non correspondence befor or after that.
Dont know if that is good advice? But my IVA was accepted last Thursday.
Still getting letters and post but still ignoring it hoping it will eventually go away???
 
 

kallis3

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Post by kallis3 » Tue Sep 21, 2010 7:05 pm
It will get better DMB and the letters will stop.

The good thing is that you know you are covered now.
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
 
 

Broke of London

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Post by Broke of London » Tue Sep 21, 2010 7:10 pm
Hi DMB, they stop after a couple of weeks so just keep sending them to your ip. These organisations are huge and basically the left hand doesn't know the right hand has accepted your iva yet. I work for a bank and see every day how disjointed it all is.
 
 

DMB

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Post by DMB » Tue Sep 21, 2010 7:14 pm
Thankyou but i am not bothered by them now.I feel like i am getting back a little bit of control in my life?
I know from reading on here things can change very quickly but i am not going to worry myself to an early grave.I have messed up and now i have faced up to it.
 
 

JoeB

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Post by JoeB » Tue Sep 21, 2010 7:57 pm
ON a practical note once it is accepted - if you have a woodburner = all the letters come in very handy!
 
 

kallis3

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Post by kallis3 » Tue Sep 21, 2010 7:59 pm
Shredded they make excellent litter for guinea pigs or hamsters so I am told![:D]
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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