Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I have been using these for years mainly because it is convenient and there is no credit checks. the interest is quite shocking though.
Anyway I am shocked to see that they are now part of the credit file, I logged into experian and was shocked to see infomation about provident on my account.
One of the main plus points about provident is that if you get behind in payments you don`t get any extra interest or charges added to your account but now obviously it is going to show on your file that you are behind in your payments.
I have almost cleared my account now anyway and certainly wont use them again but I am just wondering is there anything you can do about this.
If I had known at the start that it was going to be on my credit file I wouldn`t have taken out a loan with them probably, can they just start putting in on credit file agencies after you have taken a loan out?
Presumably there is a marker on Experian for late payments or something like that?
Steven
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Provident Financial
is quite shocking though.
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