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helpme
Starting Member
26 Posts |
 Posted - 22 January 2009 : 12:13:55
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| I go to court in feb for BR. Should I tell my credit card companies now as they are calling every few house. Lloyds TSB called every 30mins yesterday and left messages for me to call them back. should I tell them Im going BR or just ignore the calls |
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peppa-pig
Starting Member
26 Posts |
Posted - 22 January 2009 : 12:16:40
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It's upto you. If you tell them they may try and put more pressure on you to pay or try and make you think your debt with them won't be covered by BR.
You can either ignore the phone, unplug it or change you number for free if you are with BT. It will be all nice and quiet then!!! :) |
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leakie
Junior Member
United Kingdom
158 Posts |
Posted - 22 January 2009 : 12:25:52
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Hi Helpme
They will keep on calling until you are made BR after that give them the ref number and they should back off,
All the best
Leakie |
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harbourmaster
Junior Member
346 Posts |
Posted - 22 January 2009 : 12:34:03
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| Mine kept calling me and as soon as I could tell them my reference number thier attitude changed completely. Change your number if you can... |
Edited by - harbourmaster on 22 January 2009 12:34:18 |
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debtrider
Junior Member
494 Posts |
Posted - 22 January 2009 : 12:36:11
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Hi Helpme
Just tell them you are going bankrupt in February. I don’t think the creditors have enough time to do anything between now and then.
In saying this you will still get calls. If you use BT then you can always use call minder 1571 and have the answer phone kick in after no rings. That’s what I did and I just returned the calls I needed to. I also went out and bought a pay as you go phone and gave my family this number in case of emergencies.
I ignored the calls from creditors because i knew what they wanted, you just go over the same story over again and it does your head in.
The call centres are just doing their job and that is to chase you for the outstanding debt and want payment, they are not really interested in the reasons why. If you cannot pay and intend going bankrupt anyway soon then ignore the calls.
Debtrider
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Jez
Starting Member
United Kingdom
49 Posts |
Posted - 22 January 2009 : 12:47:06
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Hi Helpme,
There are a number of ways to deal with the phone calls:
1. don't answer the phone,
2. change your number,
3. answer the phone and tell the caller that you are dealing with your problems and are currently taking advice (and part of that advice is that you should keep a detailed record of all correspondence, and as such, it will only be in writing),
4. answer the phone and say that all you have is £10 and they can only have it if they beg :),
5. answer the phone (has to be the house phone) and say that you are going through a tunnel then hang up,
6. Refuse to confirm who you are for security reasons. They are not allowed to discuss anything with you until they have confirmed that they are talking to the correct person.
4 & 5 really do help releive the stress of the phone calls!
Alternatively, you could write a letter, using the following template (http://www.consumerwiki.co.uk/index.php/Harassment_by_telephone) which should stop the phone calls.
Jez |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 22 January 2009 : 12:49:32
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Hey Helpme
I spoke to all creditors when they rang and explained that i was in financial difficulty and could they give me some time to seek advice from the CAB - this seem to buy me a whole month initially and i had very little creditor hassle at all.
You havent got long to wait now 
Jenny
Onwards and Upwards is the way im going :-0)
From "Moneyworries" to "Movin On" in 3 months is fantastic :-))
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 22 January 2009 : 13:27:49
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Remember, excessive calling can be deemed as harrassment which is a criminal offence under Section 40 of the Administration of Justice Act 1970.
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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Harrassment
