I sent everyone a letter, some two !! spoken to them on the phone but i have now changed my phone number as the constant ringing was keeping me awake during the day. I work permanent night shifts. I thought I was gaining a little control of my life too DMB, until today !!!! I messed up too and I am trying very hard to do something about it !! x
You are trying to do something about it and I hate it when creditors don't seem to recognise that.
I'm sure tomorrow will be better.
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
Please don't worry about the letters scaredykat. I think they are legally required to send them, but I know that doesn't stop the worry! I've just sent back my proposal. It's been a couple of months now. At first I sent them all letters, which I know my IP did too. I also politely explained the situation. Some have been fine, even saying they won't call back within the next 2 weeks, but I got so fed up with telling them the same thing over and over, I just ignore the letters, and forward them on to my IP. When the phone rings, my 4 year old normally gets there before me! The other day, he told the nice call center man from capital one that him and his brother were pretending to be firemen putting out fires! It soon got rid of him (think it went over his head a bit!) Seriously though. These people are mostly on commision, and just want to get some kind of payment out of you. They have no bearing on the outcome of your IVA. Their computers don't seem to talk to each other either. As you say, you are dealing with your debt, and totally doing the right thing. Stay strong! x
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
Don't worry about it. I had a court summons when my iva was being proposed. The creditor was the one which was being awkward about the iva as well. I just replied to the court stating that I was in the process of setting up an IVA and no more was heard. That was 2½ years ago.
