We have 2 Mortgages with ICS, one for our PDH, and one for our RIP.
The tenants recently moved out of the RIP leaving a month's arrears, and the place was trashed. We had to invest €4,000 into it to make it rentable again but unfortunately one month's payment was missed, €1,200.
We kept in touch with ICS each step of the way, and kept informing them of the situation. We completed an SFS, and subsequently an I&E form (over the phone).
They asked us to pay €90 per month and I advised that we could afford this and probably a bit more, they then confirmed that they forgot to include the Mortgage on our home in their calculations and that we can not now afford €90 per month, which I disagreed with.
They said that we would need to meet with their Network Area Manager who can give us debt advice. I advised them that we have no time to do this, and would just clear down the arrears anyway.
Since this time, our arrears have reduced to €540, and we have been paying between €120 and €140 per month off the arrears. Despite this, we are getting incessant telephone calls from their Arrears Call Centre either once or twice a day, Mon-Sat, insisting we meet with their Network Manager, which I refuse to do.
Despite trying to explain over and over and over again the situation, what efforts we've made, the reducing arrears, the people who call appear to be just reading off a sheet and just won't listen to what I'm saying. They claim that as we do not have an 'official arrangement', our increased repayments don't count, and they'll continue to call every day until the arrears are cleared or we agree to a meeting.
We consider this to be total harrassment and have told them that the lack of compassion, common sense, and incessant 'chipping away' at people will lead to suicides.
I have begun to ask for full names of who call and what their relevant qualifications are, but they refuse to give these. Neither have they read any notes of previous conversations on the account.
... but the calls just continue ......
Can I ask if this is reasonable on the Bank's part, if they are allowed to keep calling every single day, and sometimes twice a day when someone is blatantly making active efforts to reduce down arrears.
Is there anything I should be saying to them when they call?
I have become so frustrated that I have also begun to refuse to give them my date of birth when they call, so they can't discuss it with me. I just tell them to read the notes and repayment profile and they'll see the situation.
Any help would be most appreciated, as they really have the knack of really wearing someone down.
Sorry for the lengthy post.
The tenants recently moved out of the RIP leaving a month's arrears, and the place was trashed. We had to invest €4,000 into it to make it rentable again but unfortunately one month's payment was missed, €1,200.
We kept in touch with ICS each step of the way, and kept informing them of the situation. We completed an SFS, and subsequently an I&E form (over the phone).
They asked us to pay €90 per month and I advised that we could afford this and probably a bit more, they then confirmed that they forgot to include the Mortgage on our home in their calculations and that we can not now afford €90 per month, which I disagreed with.
They said that we would need to meet with their Network Area Manager who can give us debt advice. I advised them that we have no time to do this, and would just clear down the arrears anyway.
Since this time, our arrears have reduced to €540, and we have been paying between €120 and €140 per month off the arrears. Despite this, we are getting incessant telephone calls from their Arrears Call Centre either once or twice a day, Mon-Sat, insisting we meet with their Network Manager, which I refuse to do.
Despite trying to explain over and over and over again the situation, what efforts we've made, the reducing arrears, the people who call appear to be just reading off a sheet and just won't listen to what I'm saying. They claim that as we do not have an 'official arrangement', our increased repayments don't count, and they'll continue to call every day until the arrears are cleared or we agree to a meeting.
We consider this to be total harrassment and have told them that the lack of compassion, common sense, and incessant 'chipping away' at people will lead to suicides.
I have begun to ask for full names of who call and what their relevant qualifications are, but they refuse to give these. Neither have they read any notes of previous conversations on the account.
... but the calls just continue ......
Can I ask if this is reasonable on the Bank's part, if they are allowed to keep calling every single day, and sometimes twice a day when someone is blatantly making active efforts to reduce down arrears.
Is there anything I should be saying to them when they call?
I have become so frustrated that I have also begun to refuse to give them my date of birth when they call, so they can't discuss it with me. I just tell them to read the notes and repayment profile and they'll see the situation.
Any help would be most appreciated, as they really have the knack of really wearing someone down.
Sorry for the lengthy post.
