Phone calls have really started now but what really gets to me are the automated ones.'this is an important business call for xxx, if you are xxx please press any key'
I knew they would ring but I wont get involved in a call from a machine and them asking me loads of questions until a 'human' is ready to talk to me!
Papers are all back at ip's, just one or two things outstanding and then proposal should be done, so things are moving along. We have sent letters to all the creditors so by now they should all know.
Hopefully pay will go into new bank this month so it all looks ready to go.
Had snotty woman on phone half an hour ago from a credit card company and when we wouldn't confirm any details as we didn't know who she was, she got really shirty and said 'I've told you who I am!'
oh well, I suppose that's how it goes but I feel really uncomfortable going into full details with lots of different people when I've spent years keeping things to myself, being quite a private person. We will pay back every penny we can possibly afford to so I am trying to keep that in mind.
Thanks for letting me ramble on as I can't talk to anyone else
You ramble all you like! I know what it is like with the phone calls, 12 months ago we were the same. I ignored them all until the day our IVA's were approved.
Now your paperwork is back with the IP, it shouldn't be long before the proposal comes out, then the next step is the creditors meeting.
Hang in there, be strong and don't let them get to you!
Just come on here and have a good moan or a good rant. There's nearly always someone here to talk to.
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
Thanks for that Jan.
It's just nice to talk to people who know what we're going through and don't judge us.
Thanks everyone for the support, hopefully when we're a bit clearer on all of this we'll also be able to offer support to others.
That's what makes this site great, the fact that the majority of members know exactly what you are going through and can tell you what to expect and really don't mind what you come on and say if it makes you feel better.
You'll get there, and it won't be long now.
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
hi pap
my husband and I had our iva approved 3 weeks ago.... tonight i had the most horrible phone call with some snotty bloke from a company called Calders (REPRESENTING BARCLAY CARD) he spoke to me like i was nothing when i told him i was in an iva he wasn't the slightist bit interested.. said to me "we have nothing on our computer to say this as far as i know you could be lying i told him wew were in an iva approx 3 weeks and I was not lying.... he said to me how can i believe you.... i said if you contiue to speak to me like this i will report you.... in the end i had to put the phone down on him as i think i would have sworn at him i was so angry. With the phone calls and letters we have had over approx the last 6 months i am not prepared to take from these people anymore AND NEITHER SHOULD YOU they are no more than school yard bullies.... don't feel you are alone there are more people then you realise out there who are going through the same thing, it will get better and you will become stronger and be able to deal with these people. x by the way I have rambled on as well it just makes me so angry that these people speak to you like you're nothing and we're not.... we've just made mistakes and we're trying to make amends x
PS don't get me started on the automated messages.... LOL take care x x
Im actualy lookin forward to that rude snotty little person who calls me.. so far everyone has been ok/a bit demanding! But nothin too aggressive as of yet.. should be fun! I havent been there Yet, but im sure im on the way, BUT advice ill take myself is, dont take any of it. If they use innapropiate tone, just hang up or in my case i dnt think i could hold my self and ill launch into a tirade of obsenities! (i hope i dnt, as it wnt help really), but it is annoyin when they say they have no record...
but its part of the process, there is light at the end! (so ive been told)! [8D]
aw pap-its not easy is it but you are doing really well-even if you dont think so.
a lot of these companies who call get commission if they extract a payment from you-thats why some of them are downright curt and rude-the idea is to cajoule you into paying pronto.
if it gets too much you could always change phone numbers-tell your friends and relatives that you were getting lots of double glazing calls etc.
we want you to keep posting we do care that youre ok pap
youre halfway through and youre with a brilliant company
take care and keep posting x
Hey Pap, I had my IVA approved about 3 weeks ago, and I have been surprised how few phone calls I have had since then - I was being bombarded with them before, and once the IVA had been approved it was like a switch had been flicked - I still get the odd one or two as it takes a while for the IVA to filter through to the oily rags who make the calls, but they will stop so have faith!! I had never missed any payments at all before entering an IVA, so the letters and calls were a shock to the system, but its something you just get through and once your IVA is accepted you will see that it has all been worthwhile. You could always do what I did and ignore any numbers you dont recognise until it gets approved, then you can answer them in a position of power knowing there is nothing they can do! Good luck [;)]
We were lucky - we only had one from Mercers on the day of approval, and she was quite pleasant and polite.
I must admit though that if I'd had any really rude ones like that I would have let fly down the phone with both barrels!
Either that, or don't even enter into conversation with them, once they start getting aggressive, just put the phone down.
It annoys me that they're quick enough to call you a day or so after a missed payment, but it can take weeks or months after an IVA for them to stop!
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
