aww sweetie youve still got a little way to go and it is horrible but again the calls arent meant personally its simply someone on the end of a line-who quite often dont even work for the creditor but a temp agency and when they call they have one objective-MONEY ! and they will try their damnest to extract it from you. theres a dear lady on here called lili who doesnt post as much now but last year around now actually whilst i was waiting for my iva approval she was so kind to me and really cheered me up because i was getting hassle like you and she helped me deal with it so well-she even likened them to slimey green monsters ! still makes me giggle now and that helped me deal with the stress !
you have done nothing wrong apart from get into a financial tangle like us all but YOU are making headway in sorting it and that makes you a responsible person ok so hold your head up-yes the calls are terrible-i still get the odd idiot calling me a year in !!!
stay strong IT will be over soon but this is test time-how strong are you-from what ive seen i know damn well you can do this ! we are always here-well when im back from work ! [:p] and you can guarantee even at 5 am lesley is here to listen
we will get you through this ok so keep posting and keep the head held high hun xxx
also hun have a look at this ok do not worry we will help you through this xxx luv fd
IVA : How to Deal With Creditor Calls.
There is nothing quite like having a call from a creditor. Especially when they are looking for a payment.
Just the thought of a creditor calling can be enough for some people to avoid answering their telephone, especially when they don’t have the means to pay the creditor anything until next month.
However, it is important to realise that communicating with your creditors is the key, so try not to hide from your creditors, as a lack of contact can be more damaging in the long run.
If you have not notified your creditors of your financial difficulties before hand, the first contact you will probably receive from your creditors will be from one of their recovery team, or late payments department.
Their reasons for calling you are generally to find out why your payment is late, or did not arrive when it was supposed to, and to establish when you intend to make the next payment to them.
Different creditors have different tactics, but they will vary their tactics, dependent on how much you owe them.
Strangely enough, it can be the creditors who are owed the least money that cause the most upset.
If you put yourself in the creditor’s shoes for a moment, you can see that if somebody in financial difficulties owed you £20,000 it is unlikely that they will be able to repay you any more quickly just because you are using threatening behavior towards them, whereas if somebody owed you £300, you maybe able to influence the client to maintain some level of repayments by threatening action against them.
Not all creditors will call you regularly, indeed, some may not call at all, but when they do call the type of phone calls you can expect from creditors can vary immensely, from a courteous call and a gentle reminder to a full threat of legal action against you should you continue to avoid payment of the debt.
So here are some golden rules that you can use to assist you when your creditors call
Stay calm and be polite, even if the person on the other end of the phone is being rude to you.
Take the name of the caller and the name of the creditor concerned and keep a date and time log of your conversations as it may be useful later on.
Keep your call courteous, short and to the point, and try to avoid being engaged in a conversation about your repayments.
Do not make a promise of a payment you cannot keep, as this can make the calls even more difficult later.
Try to keep control of the call. Remember, you are the still customer.
Then, depending on your situation :
If you are entering into an Individual Voluntary Arrangement (IVA): Give the name, address and telephone number of your Insolvency Practitioner to the creditor, and explain to them that you are in the process of proposing an IVA. Ask them to contact your insolvency practitioner, as they are dealing with all your finances and have instructed you to refrain from making any payments to your creditors at all.
