Scarey !!

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ditzydoodle

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Post by ditzydoodle » Sat Mar 03, 2012 5:21 pm
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Well thats the DDs cancelled......scarey or what ? Dont think the bank will be too pleased with me eeeekk !!
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Foggy

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Post by Foggy » Sat Mar 03, 2012 5:26 pm
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My bank didn't seem to notice --- the almost empty account is sitting there, waiting my return. Mind you, I haven't dared go into the branch as they know me by sight !!!!
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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kallis3

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Post by kallis3 » Sat Mar 03, 2012 5:28 pm
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If you have any online banking then go on there and put duff phone numbers down. Otherwise, you will get phone calls and they will try and bully you into paying. Don't let them get to you!!!! You can either tell them to get lost, change your number, refuse to answer security questions or tell them that you are going for an IVA.

The call centres are bullies and you can send any letters onto your IP.
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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ditzydoodle

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Post by ditzydoodle » Sat Mar 03, 2012 5:30 pm
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good advice thanks kallis ill put some duff numbers in that'll confuse them for a while lol
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kallis3

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Post by kallis3 » Sat Mar 03, 2012 5:33 pm
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It should do.

Don't let them bully you if they do phone up - they haven't a clue about IVA's and are just out to make up their wages from commission (they'll be on a basic wage)

It is a scary time - you've got a good company behind 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
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ditzydoodle

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Post by ditzydoodle » Sat Mar 03, 2012 5:42 pm
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be nice to get tuesday here so the ball can start rolling
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kallis3

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Post by kallis3 » Sat Mar 03, 2012 5:56 pm
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It will be here soon!!
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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Foggy

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Post by Foggy » Sat Mar 03, 2012 5:58 pm
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Best thing is to keep yourself busy. Get a box file, or somesuch, for all the paperwork to be kept in one place. And, I found it useful to use a small diary for keeping track of the finances, with a list of all payments due out, so I could tick them off as they went, that way I knew each day what was and what will be in the bank. First time I have ever used one of those free union diaries !!! Actually, come to think of it ... first time I have used ANY diary out of work !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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kallis3

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Post by kallis3 » Sat Mar 03, 2012 6:05 pm
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We already had a filing cabinet for stuff and still do.

Finances are done online via the bank so I know exactly what is going out and when.

A lot of people use a spreadsheet - I can't get hold of them, never have done!!
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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Foggy

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Post by Foggy » Sat Mar 03, 2012 6:11 pm
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No I can't use spreadsheets and I have online banking -- I just like to see things down on paper (the dinosaur in me!).
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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kallis3

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Post by kallis3 » Sat Mar 03, 2012 6:22 pm
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I actually use online banking and a notebook so I know how much we have left each month.
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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Foggy

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Post by Foggy » Sat Mar 03, 2012 6:25 pm
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Since time imemorial, it's only since we have been in an IVA that there HAS been any left at the end of the month!
Last edited by Foggy on Sat Mar 03, 2012 6:28 pm, edited 1 time in total.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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ditzydoodle

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Post by ditzydoodle » Sat Mar 03, 2012 6:28 pm
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dont even know what i did with my free union diary !! got a notebook ready, didnt think of a file tho so will see what tescos have got later. think ill have a play around with a spreadsheet while im on nights tonight (when and if it goes Q that is !!)
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ditzydoodle

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Post by ditzydoodle » Sat Mar 03, 2012 6:29 pm
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you really have money left at the end of the month ?
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kallis3

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Post by kallis3 » Sat Mar 03, 2012 6:37 pm
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You should have some left!!
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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