Still worrying

mummytotwo_3

If you truly want to stop the phone calls, ring your phone companies and say that you are getting nusiance phone calls and that you would like to change your number and they will do it for free, then your creditors have no option but to write to you, as you can ignore letters more easily!!

ontheroad_2

You do get used to ignoring your home phone - I have . I check 1471, and my friends and family have my mobile number - none of my creditors do.

The bailiffs are not coming around any time soon - certainly not without you getting a letter from them first. So as long as you are opening and reading your mail, you'll be fine for a while yet. We stopped paying our credit cards etc in January, no-one is anywhere near doorstep-calling on us yet. Debt Collection agencies (as I've found out here) have no more right to be on your property than the milkman, so you don't have to invite anyone from their agencies into your house. And again, you'll be notified in writing if a DCA is intending sending someone round to call on you.

sententia_2

I wised up to this one very quickly and it is an extremely simple bit of advice.

Look, because a phone rings doesn't mean you have to answer it! Simply screen your calls. Answer from numbers you know, ie from family and friends. Ignore the rest.

Alternatively if you don't have caller display get a cheap answer machine that picks up after two rings and hit the delete button on every credit chaser.

In the words of the advers SIMPLES!

callywally

Its more phone calls at work that worry me. Not supposed to have personal calls anyway and very little privacy at work plus work with a lot of nosy people and anyway need to concentrate on work and not be woried that they are going to ring all the time.
Im trying the letter to ask for contact in writing only and I wont answer any security questions if they do ring.
I will be contacting them all in writiing so its not as if they are being ignored.
Just dont want phone call especialy at work.
Dont think there is a lot more I can do though its not really started for me yet but any day now.

missmilkwood

callywally wrote: »

You seem to be in a simala situation to me. I have in the past paid creditors and not left myself enough for food or petrol etc. I cant do it any more and have to get a life back. My circumstances changed and before I always paid everything on time but things change and you cant plan for everything.

I am really dreading the phone calls etc but will have to cope somehow.

Honestly, you will get used to it after only a few days. You'll just start eye-rolling. It's annoying more than anything, now I don't give them much thought. The calls in work from Barclaycard seem to have stopped - they tried for a few days, but went back to the mobile. But I'm monitering that, just incase!

My debt is around 17k between 4 creditors. Maybe, when I'm back on my feet money-wise I may be advised to try and get some sort of DRO instead of bankruptcy, but either way, I need to stop paying for a while to try and get myself on track, I really have no option except withholding payments right now. I cannot live and pay my debt, and that is that. No matter how hard I try, that's just the way it is. I havent purposely chosen this route, I've tried and tried to sort it, but I can't. This route kinda chose me.

Another thing, I have just received an email from Cahoot saying they are transfering my loan account over to Santander on 21 March (I will be missing my third payment at the end of the month.) I know Cahoot is a division of Santander, but anyone know any reason it is being transfered? I also have a Santander credit card maxed out to £5500 (and sadly, only about £1800 on the Cahoot loan, I would have been cleared in the summer had I been able to make payments.) So far, I havent received any calls from Santander, and missed my first credit card payment this month.

[Deleted User]

sententia wrote: »

I wised up to this one very quickly and it is an extremely simple bit of advice.

Look, because a phone rings doesn't mean you have to answer it! Simply screen your calls. Answer from numbers you know, ie from family and friends. Ignore the rest.

Alternatively if you don't have caller display get a cheap answer machine that picks up after two rings and hit the delete button on every credit chaser.

In the words of the advers SIMPLES!

I did this and it helps a lot. As soon as I know I would be making token payment went onto every account accessible online and removed phone numbers (esp my mobile because I'm self employed and thats how my clients contact me) I also registered my mobile on TPS for that same reason
I continued an old habit that is ANY account calls me they get told that I never deal with unsolicited calls and refuse to continue the calls. So many of then never bothered calling me when payments missed, some did though mostly to the machine not my mobile - easier to ignore
My lovely bank passed my debt to dca and they called me on the mobile - they got an ear bashing as I never gave them that no, they had no right to call me, it was TPS and I wouldn't discuss anything etc.... they called loads I ignored but sent letters with token payments and those calls stopped within a couple of day of sending the letter...largely been quiet over the last 6 months but as I'm doing the forms to go BR next week expect it to start again but I will have something to say then