worrying about the phone calls and letters

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Max.is

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Post by Max.is » Sat Aug 21, 2010 5:39 pm
Hi I am in considerable debt and will be taking out a iva. I'm really getting myself upset worrying about the phone calls and letters that will be coming from the c/card companies and bank. The thing is I live with my parents and I don't want them knowing how stupid I have been. Will the creditors tell them if they pick up the phone and how do calls and letters last - a couple of months ????
 
 

Adam Davies

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Post by Adam Davies » Sat Aug 21, 2010 7:30 pm
Hi and welcome
Creditors can only discuss your account with you and no one else
Calls I am afraid are part and parcel of the IVA process however if you contact all your creditors and keep them informed on a regular basis they will have no reason to call you
Regards
Andam Davies
 
 

Shining

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Post by Shining » Sat Aug 21, 2010 9:27 pm
Hi and welcome to the forum, do they have your home number? maybe advisable to ask them to only call on your mobile if that is possible? The letters and phone calls will last up to and maybe for a few weeks after the meeting date, I'm afraid. Some creditors are more persistant than others. Hopefully it won't be too bad for you and I hope you soon get your meeting date. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

kallis3

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Post by kallis3 » Sun Aug 22, 2010 7:50 am
If they have your home number and you have online access to your account, it may be an idea to go in and remove the home number.

Otherwise, as Lesley suggests, ask them to phone your mobile.
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
 
 

Mark.by

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Post by Mark.by » Wed Oct 06, 2010 11:36 pm
I was fearful of the phone calls aswell, and so changed all my numbers online. They must have had my 'real' number on file as they still kept trying.
Am feeling a little smug tonight because I had a call from Lloyds, who immediately set about the security questions. I refused to give my personal details over the phone to someone who had just called. After a very short conversation the man on the other end just said "can you pop into a local branch them ?" and hung up ...
 
 

Broke of London

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Post by Broke of London » Wed Oct 06, 2010 11:42 pm
Virtual high five!!!! So pleased you found the strength...speaking to those guys is a really big deal!
 
 

kallis3

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Post by kallis3 » Sat Oct 09, 2010 12:38 pm
I love it when people refuse to confirm security details! They cannot continue with the calls and so have to hang up!
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
 
 

Mark.by

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Post by Mark.by » Sat Oct 09, 2010 2:26 pm
Jan. is there a way I can seek some advice from you ... which isn't posted on the forum ???

Regards
 
 

kallis3

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Post by kallis3 » Sat Oct 09, 2010 3:26 pm
Sorry, I've been out and only just caught up with this. Add me as a frugal friend, I'll do the same with you and you can send me a message off forum.
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
 
 

Mark.by

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Post by Mark.by » Sat Oct 09, 2010 3:52 pm
sorry Jan. your gonna have to point that one out to me. I cant find the right buttons to press...to become an FF. Can you point me in the right direction please. ??
 
 

leaKybrain

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Post by leaKybrain » Sat Oct 09, 2010 4:07 pm
mark you need to click on your name near the top of the page near where it says logout. then on that page near the bottom is a drop down box for frugal frineds. it will list everyone, find the right person and add.


We've started with calls we think, but i told hubby from the off that if he did accidentally answer the phone to not answer the security questions.
 
 

kallis3

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Post by kallis3 » Sat Oct 09, 2010 4:27 pm
Go into your profile, you will see a box for frugal friends which has a dropdown menu so you can scroll down all of the members, find me, highlight me and then click add frugal friend and I should then be added.

If you then click on my avatar in your profile you will be able to send me a message
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
 
 

sg6646

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Post by sg6646 » Sat Oct 09, 2010 5:08 pm
I had the same worries, living with parents, phone calls being made to the land line. In the end I just told my parents that I was in debt and was doing the sensible thing and FINALLY sorting it out. Really there was no way of hiding it once I'd stopped paying my payments and creditors alarm bells started ringing. Good Luck with everything I've been there and am on the other side now counting down each month!
 
 

kallis3

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Post by kallis3 » Sat Oct 09, 2010 5:30 pm
Marky - I've sent you a message.
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
 
 

MelanieGiles

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Post by MelanieGiles » Sat Oct 09, 2010 11:47 pm
The decision to seek help to sort our your debts is never an easy one, but I guarantee you will feel ten times better one you have made that first call and know that there are many people who are on your side and are also in the same posiiton as yourself. The sooner it starts, the sooner it ends!
Regards, Melanie Giles, Insolvency Practitioner
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