Still being pestered by debt collectors, passed to IVA co. Any advise on what else to do ?

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Anyen

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Post by Anyen » Sat Sep 29, 2012 1:45 pm
even tho use password given cant log on. No matter, RBS say no more..have acepted am in IVA...but still pester me with Debt collectors..said collectors use words..yes we have heard that before..have passed on to my IVA people and then new lot start up...any advise as to what else to do please ?
 
 

Niobe

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Post by Niobe » Sat Sep 29, 2012 1:48 pm
Hi - just ignore them. The calls and letters will stop soon and rest assured that they can do nothing to you.

Threaten them with harassment, refuse to answer the security questions, just put the phone down or change your phone number.

Don't let them get to you - you're safe.
 
 

Foggy

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Post by Foggy » Sat Sep 29, 2012 1:48 pm
Ask them to hang on whilst you call the police -- harrassment is against the law !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

Bradders

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Post by Bradders » Sat Sep 29, 2012 7:48 pm
Here are a few suggestions to make that phone call a bit more enjoyable:
Laugh at them and point down the phone
Put them on hold while you go make a cuppa
Pretend that the horse that you've backed is 100m from the finish line and neck and neck, and it really needs your support to win.
Bark down the phone
Simulate sexual activity.
Ask the person what they are wearing
Re enact a scene from the film Fight Club
Tell them that you a Jehovahs Witness and would really like to discuss their relationship with God.
Blow dry your hair
Try to replicate the steel drum sound using pots, pans and baked bean tins.
Play Cowboys and Indians, and you play the part of the Indian.
Pretend you are auditioning for the X Factor and your song of choice is "I will Always Love you" by Whitney Houston.

Whatever you do, do not be concerned, they are wasting their time, so if they are intent on doing it, try to make it entertaining for them.
 
 

4kidsnocash

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Post by 4kidsnocash » Sat Sep 29, 2012 11:47 pm
so funny bradders you have brightened my day

Anyen you could always do what i did when i got fed up of calls for my hubby i just said sorry he doesn't live here anymore ( haven't told him though he still comes through the door as if he does)
Alas, I am dying beyond my means.
Oscar Wilde
 
 

kazzafunk

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Post by kazzafunk » Sun Sep 30, 2012 12:17 am
[:D][:D]
Kazza

Please visit my blog:
http://kazzafunk.blogs.iva.co.uk/

IVA completed 21/03/2012
 
 

orchid5

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Post by orchid5 » Sun Sep 30, 2012 11:42 am
Lol at bradders and also 4kidsnocash, i think you should just leave them hanging on the phone and go do something more productive rather than listen to senseless waffle. Good luck hopefully they will stop soon and as Foggy says if not then harrassment is the word i'b be using next. x
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.

IVA COMPLETED August 2012, received Completion certificate 18.4.13.
 
 

dunkynuts

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Post by dunkynuts » Sun Sep 30, 2012 11:52 am
So funny Bradders-wish I had had that list when I first started my IVA, seriously though once the IVA is accepted,they can't do anything even though they try.Its annoying and stressful. I just disconnected the landline and put my mobile on silent and ignored all numbers I didn't recognise,but they do stop eventually.[:D]
Have no regrets,the future is ours!
 
 

Shining

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Post by Shining » Sun Sep 30, 2012 12:42 pm
Bradders made me laugh and I can imagine my hubby trying a few of them as he does like to wind people up!
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

Shining

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Post by Shining » Sun Sep 30, 2012 12:43 pm
Forgot to add the calls will stop eventually but it does take time to filter through to all and I know some are quicker to mark as in an IVA than others. Eventually one creditor Barclaycard couldn't get the message and my husband did lose him temper with them ...they didn't call back! x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

Goosed

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Post by Goosed » Sun Sep 30, 2012 3:35 pm
Just say
"Hang on a moment, I`ll get my debit card"

Put the phone to one side, then check half an hour later to see if they are still on the line.[:D]
"When the seagulls follow the trawler, it is because they think sardines will be thrown into the sea".

Eric Cantona
 
 

MelanieGiles

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Post by MelanieGiles » Mon Oct 01, 2012 1:01 am
I know I shouldn't say this - but I think that Bradders post is absolutely priceless! Couldn't recommend any of the particular points to a client, however, (much as I would love to be able to sometimes!!)
Regards, Melanie Giles, Insolvency Practitioner
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