That's good then, at least you can ignore numbers you don't recognise or are blocked.
If you've got an ansaphone or use 1571 they will leave messages, but they usually just ask you to ring them so I always used to just delete them.
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
Hi David
Just looked in and saw your post about Barclaycard.
They have also been the biggest pain in the wotsit with us as well. We have both a barclaycard and a Barclacard loan and the loan people are terrific and have put the account on hold for 14 days but the card people are a different story. They have been vile, phoning hubby at work and leaving messages when he's not there, if you speak to them they threaten all sorts. I know exactly how you're feeling cos we feel the same and are at similar stages but really try not to let them get to you. I have resorted just to telling callers that we're going for iva and when they start to say it's not on their screens I tell them that I'm very sorry their management don't trust them with information but that isn't my fault and say goodbye, then whether they are speaking or not I hang up.
Keep your chin up - you will get there and these people know nothing about you or your circumstances. They are not paid to think, only to bully.
Everyone is here for you whenever you need support, and best wishes to your wife also.
I didn't have any debt with Barclay's but found when creditors were ring to let the phone go to answer phone was great and to have a set script saying that I am aware of my debt I am entering in a IVA with and gave then the name and phone number of the company and put the phone down. I tried always to be polite but didn't get into any conversation with them. They still rang but I felt more in control of the situation.
Jan
Nothing you can buy feels as good as not being in debt.
Great attitude Paps. It's not worth arguing with them as they never listen to you anyway.
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
Thanks Pap - you are a marvel. Been every hour on the hour so far - I just let the phone ring - its on a short ring and by the time I get to it has stopped. I do not know the matter is with them - they know the position and they know Melanie is dealing with it. Anyway, they are going to get a shock on Tuesday - my Parish Priest said they obviously do not understand English so he wrote a letter for me in Latin telling them that Melanie is dealing with it and not to communicate with me!! See what they make of that. David
The call centres really don't care about you going for an IVA, and they probably aren't even aware of that.
Their remit is to get you to pay up by any means, fair or foul. They work on commission, so if they can bully you into paying then that's money for them. You are just a voice on the end of the phone and they really don't care if they are upsetting you.
How they sleep at night is beyond me - they must all have shares in Nytol!
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
The only time I ever spoke to Mercers was on the day my IVA was approved, and I took great delight in telling them that - and they still asked for a payment! They never called again.
Hang in there, you've just got to be strong for a while longer.
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
Just for a slightly different angle on this, I've entered into a DMP with barclaycard and they've been fine with me so far, just one phone call and it was all sorted and that was it. That seems to be the main difference between a DMP and an IVA at the start of the proceedings, it seems to me that on a IVA you stop paying your creditors for a month or two and thats what annoys them.
With a DMP you send them a cheque with your proposal and although it's a smaller payment than they are expecting at least it's a payment, and that seems to make them less annoyed and everything is sorted out without threatnening phone calls asking for money etc.
I know there's more important differences between the two methods of paying off your debt but that seems to be the main difference in the first month or two.
My IP (through one her colleagues) said I can, if I wish, pay each of my creditors a nominal amount until the IVA is sorted. That is what I am going to do in April so it will be interesting to see what happens when they get the payment in the light of your experience.It will only be a small amount because I have to put money aside for the first IVA payment when my IP submits the propsals. David
If you do a company managed DMP, you will encounter the same problems whilst you are setting it up, as you do in an IVA.
You've been very lucky with your creditors yahwob, plus you set it up yourself which does seem to have made a difference.
I hope it continues to go well for you.
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
After all the problems I had with Mercers, I just can't believe there still up to there old tricks. I think I developed a stomach ulcer over this lot.
I often recount my experience with others, particularly with friends who I know have accounts with Barclays.
They seem to represent just about everthing that's wrong with the modern banking industry. Very troubling to here others are going through the same as my wife and I did.
I've since discovered that Mercer's have and I guess stll do have a very deliberate policy of intimidation towards there clients. They know what there doing is wrong, and I'm sure will continue to behave this way untill there rooted out.
After ignoring MBNA for a couple of weeks, I spoke to them today, explained I was going through the IVA process and the man was really pleasant, took my case number and asked me to let them know when I had my creditors meeting date, was a pleasant surprise - mind they will probably be back on the phone tomorrow with their 25 a day calls!! Also received a letter from them this morning asking me to send back my cut up credit card and any MBNA cheques cut up back to them - no stamp addressed envelope so wont be doing that - anyway never ever used the card, just transferred a balance some time ago and dont think I still have the card. Also Northern Rock were really pleasant with my husband 3wks ago when he explained that we were going through the IVA process, thought we would keep getting calls from them but touch wood hope they've got the message.
14.1 We will consider case of financial difficulty sympathetically and positively
14.6 In certain cicumstances we may pass your debt to another organisation or debt collection agency.We will always choose reputable firms which also agree to follow the code when arranging repayment.
