Thought I would let you know about an interesting development in my IVA.
One of my creditors Welcome Finance, who are included in the IVA sold the debt to a companies called Catties. This company have in turn sold the debt to Mackenzie Hall.
After 4 1/2 years I received a letter that states I had 3 days to find the outstanding balance. I thought I had better call to advise about the IVA. Was met with a very difficult individual who threaten that balifs would be calling to collect.
Informed B&E my IP and they said they would deal with this.
Another few phones calls by M Hall and again my advise to them was speak to my IP. I thought this would of made me mad however I started to just laugh down the phone at the treats. I now think this company are being dealt with in the appropriate way.
So great work B&E and this is what an IVA is for protection from iditots and peice of mind.
But just wondered what happens if a creditor breaks the terms of an IVA and keeps contacting?
Its only 60 months!
This experience has taught me to improvise, adapt and overcome.
I'm sure that something can be done dj as they should not be contacting you at all!
I think I would find it funny though now and tell them to do their worst! Bailiffs would be given a two word answer - the second one being off!
Let them take you to court if they will - you could get damages from them!
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
They can do nothing at all and it's good that BE are obviously on the case.
In the meantime I'd just tell them to 'bring it on', keep a note of all calls/letters/callers (including names) so you can get them done for harrassment.
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
Well done, djroyale. I'm glad too see that they didn't phase you.I wonder how much of this is a "try on" by the company who bought the debt rather than miscommunication? They may think that if the get hold of an unknowledgeable person, they could get something out of them. But of course this is less likely to happen with the help of this forum. It’s been a life saver to me on more than one occasion!
