Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)

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  1. #1
    Basic Account Holder jed2004 Novitiate



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    Default Greenwoods loan

    I have a loan with greenwoods personal credit i pay 40.60 a week and it is leaving me with nothing i have to borrow money from family to buy food and things for my son then when i get my benefits i have to pay my family back and greenwoods again and again i have nothing i have really fell behind and don't know what to do! My agent will be here on friday and again i will have to give her 40.60 which again means i will need to borrow from someone else to get electricy and gas! I really wish i never took the loans in the first place, I am currently on income support and dla, Is there anything i can do i feel really bad


  2. #2
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    Default Re: Greenwoods loan

    Contact Greenwoods direct and tell them you just cannot afford the repayments at this level and can they work with you to reduce them to an affordable level.
    If you can't afford it you can't afford it and tell the agent that. He/she will give you some old toffee that if you don't pay, they don't get paid and that they will send the bailiff in, its all crap, they can't do anything without going to court first, and they will not do that, Greenwoods are Provident, legalised loan sharks, who steer well clear of the courts as they don't want their exstortionate interest rate aired in a public court.

    Don't let them bully you in to paying what you can't afford or taking out a further loan to cover this one.
    They prey on good people like yourself who have no access to mainstream lending.

    Please don't let them intimidate you.


  3. #3
    Basic Account Holder jed2004 Novitiate



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    Default Re: Greenwoods loan

    I just feel really bad and ashamed! The provident manager actually phoned me last week saying she was doing a promotion and offering all greenwoods customers a loan with them she offered me 300 saying she could bring it round the day after! I told her i would just leave it and she phoned again today! It's just a new greenwoods agent i've got and she was a bit huffy when i only offered 30 2 weeks ago! I can only imagine how she will react if i can't pay what i owe! It's the thought of her coming to my house , I really hate this but i honestly can't afford it and i know it's my own fault


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    Default Re: Greenwoods loan

    Do not feel ashamed or guilty, we have all been in your position at some point, thats why were on here.
    Nobody on here will judge you.

    If you can't face the agent, go out or don't answer the door.
    If you feel threatened in any way by the agents manner when they visit, call the Police.

    You can't pay what you haven't got and your family and priority debts come first. THE PROVI is NOT a priority debt.
    You will not get a criminal record and you will not be sent to prision, these are thing I have heard these agents tell customer that can't pay on the night.

    Look after number one, these parasites need closing down permanately.

    Even if they were stupid enough to go to court, they would have to win the case first and even then a Judge wouldn't award them more than a 1 a month if your on Income Support. Your DLA is not taken in to account, that is for your disability and don't let anyone tell you otherwise.

    Did you even sign anything when you first got this loan?


  5. #5
    Basic Account Holder jed2004 Novitiate



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    Default Re: Greenwoods loan

    Yes i signed paperwork, I think i'll go to my mums on friday cause i really don't think i speak to the agent! Would i need to phone the main office? Do you think it would be ok for my mum to contact them for me? Cause i get upset really easily i suffer severe anxiety and when trying to explain myself i get in a bit of a state so it's not easy for me to speak to people thats why i'm really worried about the agent , My mum doesn't know how much i owe and will probably be quite upset to that i've been leaving myself with nothing!


  6. #6
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    Default Re: Greenwoods loan

    Call them on 0800 068 7761

    You will have to initiate the call as they will do security checks, they may if you explain your health issues allow your mother to speak on your behalf if you give your permission, but this is at their descresion.

    There is nothing to fear in calling them, you are simply ringing to reach a solution ammicable to both parties.

    They will usually arrange for a manager to visit you, where you can come to some sort of arrangement. try and have someone sit in with you so they have heard everything that is said and agreed to.

    They usual play ball, but don't agree to an amount you can not keep up with on a regular basis. Remember unlike other lenders there are no penalty charges for late/none or reduced payment. You usually pay this to their ****pot solicitors CK Edrupt. As long as you keep up the reduced payments you will have no more hassle.

    If you get an unfavorable response to your request then pay a visit to the CAB, who will contact them on your behalf.

    Whatever you choose to do is your call, but don't be bullied or intimidated by this company or its agents, some agents are very very helpful other are just tossers, like any other walk of life.

    If a 1 a week is all you have to offer, thats all they get, but make sure you pay it every week. They will not like it but they have no option, take 1 a week off you or go to court and get 1 a month if the case isn't thrown out. Judges don't look favourably on creditors that waste the courts time, when payment has been offered or made. You see the picture here.

    Stand your ground, once they have spouted the companies policies on non payment, they then start to listen. If you don't like what they say, just tell them you are going to seek advice from the CAB.

    One final thing DONT PAY THEM 40.60 a week if you don't have it, no matter what they tell you is going to happen if you don't pay.
    IT IS ALL CRAP - THEY CAN DO NOTHING - TAKE NOTHING - OR REMOVE ANY GOODS


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    Default Re: Greenwoods loan

    Hi Tingy

    Empathy with the enemy or agents of the enemy is dangerous to the OP in dire straights.

    I think I'm merely disagreeing with your choice of language.

    x

    v


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    Default Re: Greenwoods loan

    Hi Tingy

    Notwithstanding a possible misinterpretation of the use of terminology as misogyny; for the avoidance of doubt, I still love you.

    v

    PS I went to a lecture on Shariah banking (backed by HSBCicon and Lloydsicon) today (events in Middle East etc) and a scholar put it thus; if there are 100 tons of gold in the world and you borrow it all at 10% pa, where does the extra 10 tons of gold come from when you repay it? I think this is comment on fiat currency (and I don't mean Fix It Again Tony). Anyway, back to the Prozac.

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    Default Re: Greenwoods loan

    Soz T

    Crossed timing.


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