www.iva.co.uk

i have just recieved a call from capital one 8th call today i know this cos checked the number on google anyway decided to answer this one they asked for my date of birth for security i declined and asked what he wanted, to which he said as i would not give dob he could not discuss it ....fine with me ..they phone ME are they mad? anyway waiting for next call no doubt very soon to further not discuss the matter hey ho x

I changed my number, phoned bt done in 24 hours and had no calls !!! but have had lots of mail. Just wrote to all my creditors and told them I was having financial difficulties and thinking of an iva and could they contact CS. Now I send all my mail to my IP
Which company have you decided to go with ?

havn;t yet not sure sho to go with i know i need to decid quickly but just keep putting it off x

its just so freightening isnt it !! never done this before, never been fetched up to do this never missed a payment up to now

i know how you feel ive always been a good payer in the past but last couple of months things have got out of control and to be honest i got greedy it was easy to get credit ( i know its no excuse) iborrowed well beyond my means = so i deserve this really just hope there is a way out now x

Caraf...I have thought about changing my tel no.with BT, can you tell me how to go about it?
Do you have to pay to get it done and what reasons do you have to give them??
Also does it affect your internet connection if you change number?
Thanks

Hi sjw
It is a very worrying time and creditor calls are relentlous, I would advise you to sit down and work out what you owe and what you can afford to pay each month and then get some professional advice.
I remember making the first call and it was so hard but I knew it had to be done sooner or later, you will feel relief when you decide on the best solution for you
Good luck
Emma x

thanks i know it needs to be done but in my tiny mind iv avoided dealing with it and its not working, will get xmas over and start process that lottery win just aint happening x

Hi frequantflyer
I telephone 150 BT at about 10pm one night, asked if I could change my number please, he gave me a choose of 6 new numbers to choose from, no questions asked, no cost !! and when I woke the next morning the number had changed. I have no gone ex directory too !! was also have alot of marketing calls from abroad.
No affect on my bt internet either, all just went very quick and very smooth

I should add not to leave it too close to 10pm to call BT as their customer service call centres usually close then!!