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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Greenwoods and Provident personal credit inside info


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i wish to remain annonimous

i am just posting this to warn you all or the current operating proceedures by this company, if you dont know already but Provi and Greenwoods are the same company, i am a regular poster on her so am doing this on the quiet, i will only post this an the return to my usual id. they both operate out of the same office

 

Provident and Greenwoods are currently going after old debts, older than 6 yrs, some are 10+ years, this is unlawful and up to now is not going along with it, what they are doing is simply renewing the paperwork calling it a fresh start loan agreement, where the customer doesnt actually get any money just a rehash of the old loan, but if the customer agrees they owe the money and after so long in a panic they sign papers agreeing to the fresh start, but here's the catch, if you owe provi, they send a greenwoods agent to collect stating they have been passed the debt to collect and viceversa, thus using an in house debt collecting system.

so if you know you owe these companies money, just cos they dont call for years that dont mean they have forgotten.

 

if you owe these companies money and are struggling to pay, you have a few options, firsly talk to your agent, they will accept lower regular payments, just talk to them. if you cant even manage that and have not paid in weeks and are worried they are going to take you to court, dont worry! they will only take you to court after 20 weeks of none payment, but even if you pay 1 payment after even 19 weeks, then they have to start the waiting game again, the 20 week period starts again. also, any paperwork you sign for these companies MUST MUST be done infront of the agent, otherwise the loan is unlawful and can be challenged, also take a look at the payment book, does it correspond to the agreement, sometimes the agent cocks up the percentages etc and that also that there are no mistakes on the paperwork as the agents are under a lot of pressure to sell loans, (thats what they call it, selling loans).

 

oh and they now impact on your credit file, until recently about 2 years ago they didnt bother with credit checks, they do now tho.

 

Why do people work as an agent for a company like this, well cos they pay well, very well indeed, which is part of the reason the interest rates are astronomical, dont get me wrong, while there are aspects of these companies that do annoy me, i believe there is a place in our society for them, if the government reigned in a tighter control on them then they would cease to exsist as every one gets a cut from your loan and they wouldnt be able to pay any one, eg, some one borrows 100 over 33 weeks, they pay back 163.00 ish, out of the 63 interest, the agent gets a cut, the agents manager gets a cut, the agents managers manager gets a cut, and believe me when i say that leaves about 10 profit for the company them selves, take them out of the equasion ( which would be financial suicide for the government) then what have you left, the banks wont lend to high risk customers, you are left with the loan sharks etc, who would you rather lend off, what also companies like thes have going for them, if if you borrow money and miss a payment, there is no penalties unlike a banks high rates, the agent will just smile and arrange to call the next week.

also if you have an agent who is nasty or rude, remember that they have a manager and if that agent is a bad one that impacts the percentage the agents manager gets, which he wont be happy about.

any way i just thought i would give some inside info incase you need it, if this helps you then great, if not please dont pm me as i wont respond. :(

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  • 4 months later...

hi i was searching today for some info on greenwoods and came across your post, thank you so much, i have been having huge trouble with my local branch, long story but have sent them several letters all by recorded, one via the agent several months ago, and a complaint to head office and emailed the head office and i still have not had ONE reply, get the standard letters sent to me but nothing in reply to my letters, i even hand delivered one a few weeks ago with a cheque inside, which has not been cashed, after having read your post re the twenty week before court action, i believe that is why they have not cashed the cheque!! its been 17 weeks since my last payment!! so im going to use the barcoded letter to pay at a paypoint tomorrow!! and have resent the hand delivered letter by recorded delivery, just wanted to say thanks as that 20 week rule you put may just have saved us from going to court!! thank you so much, we are really struggling at the moment, i have a serious illness and husband was made redundant in January and they still wont reply to my letters asking for help, they will get £5 every so often!!

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This is very disturbing.

Of course many are aware that Provident and Greenwood are one and the same.

Thanks for heads up on this.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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This is very disturbing.

Of course many are aware that Provident and Greenwood are one and the same.

Thanks for heads up on this.

it def is disturbing, we have quite a few debts and with help from this website and payplan have agreed repayment plans with all but greenwoods, yes they are the same, in our area greenwoods and provident share the same postal address, cannot believe that they will not reply to any of our letters, does anyone have their sort code and account number as i have asked on each letter to pay by standing order but no reply, do not want the agent to call so not sure apart from paypoint how else to pay them.

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Will move the thread into "Other Institutions"-this is the forum for Greenwood and Provident issues-so will likely be of interest to others there.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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