Hi,

me and my partner have a few greenwoods loans out pay £86 a week!

It killing us now, told agent we can't afford payments and to arrange something cheaper for us.

He got angry and said if I don't get £20 I lose £5 of my commission!

I told him I dont have £5 spare at moment.

Can we ask for a reduced payment and interest to stop till we in better position to pay?

In a word yes, never mind the agent he is merely looking after himself. I would suggest that you have a word with you local CAB who will calculate an affordable repayment and agree it in writing with Provident Head Office.

Thank you

Your welcome, this is a frequent situation with doorstep collectors as much of their income is commission based.

I have not been able to get to CAB, but ringing the greenwoods office to make a payment but to rearrange how much a week we can pay.

I am paying them £86 a week now,

but offering £30 a week,

I know the agent him self will not be happy about this

he always makes me feel guilty if i miss a payment as he says i understand you have no money

but i lose my wages if you do not pay me leaving us with no money

(but after seeing him today in a lovely new Jag i doubt he losing that much from us)

Do you think they will be ok with this,

i know they will get moody but it better then nothing

As previously stated ignore the feelings of the collector, that's all he is Jag or no Jag.

Your agreement is with Greenwoods and they will decide whether to accept your offer or not.

Send them a letter explaining your proposal and when they respond you'll have proof in writing.

TP agreements are diff to prove later.

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

i will update you in 6mts time or before, should my situation change.

.

could you please as a reciprocal goodwill guesture,

.

refrain from levying any penalty charges & freeze the interest on my account.?

.

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

.

.

as your actions would do nothing to help me.

.

i thank you for your time.

..

.

dx

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then write back........

.

.

i'm sorry, but you have failed to assist me during a period of financial difficulty, against all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges & freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

dx

I didn't know I could pay via internet banking!

Thank you for your help I shall send by 1st class recorded. Also when we last made a payment, the agent took the books!

Also what am I reclaiming?

your offer will almost certainly be accepted, to be fair Greenwoods and Provident are not the worst, BY FAR in this situation. Nevertheless, writing only and no phone calls as previously stated.

had to contact office to ask that the agent does not call out tonight (he normally calls around 9pm)

he asked why, and i explained why told them it was because we were unable to afford weekly amount,

he told me to pay agent what could and he would call at house.

he also told me that we in arrears by 600

told him it because we cant afford weekly amount,

told them no i do not give permission for you to call at our house ( was not happy with this)

told me that i had spoke to CAB (though haven't) and he changed hos mind.

Writing letter now to send of today

thank you for your help guys

2nd class with proof of posting is ok.

as for the PENALTY charges

you'll need the statements to see if any naughty fees have been charged.

dx

we were paying £86 a week and now want to make it a monthly payment of £35, they not happy at all!!

I made one payment 3 weeks ago and posted letter (recorded)

not heard anything but the agent who we not heard from im over 2 weeks has knocked 3 times today!!.

I did not answer door but kids were all shouting mum the door!

so he started knocking again!

Not happy

well you are not paying him so he won't get his 'cut'

wont like that

continue what you are doing

dx

Ok thank you

Head office, just left a lovely voicemail saying they taking me and my partner to court for the accounts! :'(

that'll be a first!

just hot air

keep that recording.

dx

What I would also do is make the payment you have proposed.

If possible send a cheque or po weekly to the local office or if close enough take it yourself .

Court?! HAHAHAHAHA!

They cant do anything until there is a 13 week break in payments. So after 12 weeks of no payment, send them a quid.

Ask them to put their threat of Court in writing, they will soon go away.

Ok so got a letter today, saying if I don't pay 589.60 by 8th August they taking me to court for full amount of 728.00!

I've been paying them as much as can each week, and they enclosed a standing order form and a income and expenditure form!!!

bet it does not say WILL.

that I&E is none of their businesss

only a judge can demand to see that pers info.

dx

your right it does not say will,

just failure to respond to this letter may result in action being taken via the County Court,

or by using a Debt Collection Agency.

at the bottom of the letter it says:

D.M.Rees, Solicitors, is employed by Provident Financial plc and is authorised and regulated by the Solicitors Regulation Authority,

SRA number: 111767, C.K. Edrupt & co. operates as a in-house recovery unit for subsidiary companies of Provident Financial plc.

Im not responding to the letter im just going to carry on making the £1 a week payment

yep

edrupt are they still around blimey

don't fall for it

they are a solicitor for hire

well he's a box of our letters heads do what you like with them.

dx

Yeah CK Headache are still going.

They soon go away.

we were paying £86 a week and now want to make it a monthly payment of £35, they not happy at all!!

I made one payment 3 weeks ago and posted letter (recorded)

Im not responding to the letter im just going to carry on making the £1 a week payment

Did you notify them that you were dropping your offer of £35 down to £1?

They will never refuse a payment, just moan.

If they ever refuse a payment ask them to put thei refusal in writing