Not sure if I can ask here but here goes. MJy husband and I are in the process of undertaking an IVA with DFD and we have our phone assessment on Monday.
One of our creditors, Fairfax Solicitors, have been made aware of this transition and were quiet for about 3 weeks. They are now harassing us. They have called 3 times at antisocial hours and this morning the same man called whilst I thought I was in labour so I hung up the phone on in! When he called on Wednesday evening I told him again about DFD and the fact that we were advised not to pay them any monies. He disagreed with this statement but said he would await DFD's communication and would hold the account. Now he is calling and calling and I am sick of it. My baby is overdue and I have enough stress. I have faxed him a letter reminding him of the OFT Debt Collection Guidelines but he seemed to not care. His continued harassment is against the OFT's guidelines and I know he wants money but we have none! What shall I do?
Im so sorry your going through this now so early in your journey to becoming debt free. DFD come highly recommended on the forum & a member of DFD posts on the forum, so your in good hands.
Prior to your IVA being accepted they can & will harass customers, but you do not have to answer the calls & you can unplug your phone & ignore them. Honestly: They are just doing & saying anything to get any amount of money out of you before your IVA comes into place. And you are not the first to get bullied this way.
If they get that bad - change your number. Its has been suggested to others on the forum & many do change their number!
You really dont need this stress with your baby being due anytime. Hang on in there Charlotte & take care of yourself, they are not worth it. x
Final IVA payment made in April 2013, never ever thought we could do it or get through it but we did! X
An IVA.co.uk Mentor is someone sharing from their experiences of dealing with debt
Charlotte - i fully sgree with Mrs Knight uplug the phone - or switch the answer machine on . Yes in other circumstances by all mean formalise a complaint - but you dont need this at the moment and by the time its responded to, you will be protected by your IVA.
If you have a mobile that people you want to speak to can call you, unplug your phone. It will just cause stress. Don't worry about not speaking to them. You are taking steps to address your febt problems and they will just hound you for any payments. You can't give to 1 and not the others as it will be seen as favouring one of your creditors.
Relax - wait for the baby, do the telephone assessment on Monday (which isn't scary) and try to concentrate on your baby.
you can also refuse to communicate with them by telephone. Tell them that you will only communicate with them in writing. That should slow things down a bit. I eventually got to the stage whereby i told them exactly what to enter in their notes and then get them to read it back to me.
As much as they will disagree you do have a certain amount of control in this situation and do not let them get to you. You and your baby are much more important than anything else!!
Answer phones are brilliant i have my volume on low and if the person ringing leaves a message and you dont want to talk to them you can sit back and relax i think they are great.
Totally agree with Mr BS, answerphones are brilliant. If you are in you can always pick up when you know who is calling, otherwise ignore....
Please don't let the phone send you into labour Charlotte.....
You can change your number - just tell friends and relatives that you are receiving nuisance calls and need to change it. I believe the initial change is free.
Just concentrate on the baby and I hope everything goes ok. Let us know (when you have a few seconds spare of course!!!!)
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
