www.iva.co.uk

We have been receiving phone calls from NR every couple of days chasing payment. We advised them last week about the IVA but have still been receiving regular calls. I am always polite (the loan is in my husbands name but he always passes the phone to me) and explain the situation. Tonight we received a call from a young lady called Celeste from NR and I can honestly say she was really lovely and very understanding. She told me that 3/4 of IVA's proposed to NR are accepted which I wasn't aware of and she made me feel like she believed that we were doing everything we could to pay back as much as possible. We had a lovely chat and at the end of the call she thanked me for my time. Just wanted to reassure people who are worried about ceasing payments its not all pushy call centre staff just be open and honest and if they are rude then at least you know that you are better than that debt or no debt.

I dont know whether her information was correct or that our IVA will be accepted but I do know that a little compassion goes a long way.

Dee

That's a great post Dee, and thank you for sharing it with us. And well done for being brave enough to engage in conversation with your creditors. So often there is a fear factor involved, which if you are polite and adult about handling the call, you often find that there is a sympathetic ear on the other end.