Hi

Just been asked to help a friend,

D, who has recieved a letter from Provident saying that as of the 22nd August

they sold the account to AK and BCW are managing the account.

This letter is dated the 17th october 2014.

Also recieved is a letter from AK, dated 17th october 2014,

saying the have purchased the account from provident and the outstanding balance is £xxx.

These I believe, and cant say way incase they are watching, have been printed from the same printer.

Also recieved is a letter dated the 14th october 2014 from BCW saying they are disapointed the situation remains unsolved.

this is also a Settlement Offer offering him a exceptional opportunity to settle on highly favorable terms

they are willing to accept under £500 less as long as its paid in 3 months and

they reserve the right to register a deafult on the account then the client will mark it as partily settled.

Highly favorable to them l see.

I have noted the dates they must think that we have a time machine due to the dates.

D has not got any paperwork for this account so l am SARing Provident and CCAing BCW and will go from there.

l have agreed to battle for him,

he is a Mental health patient and

l fight all his battles for him.

He has asked l dont scan or put copies of letters on here but said l can give necessary details to help with the issue.

Just looking to no if there is anything new with Provident and if l could get the debt wiped completely based on the extortinate rates.

Any advise based on this would be a help l have been out of the battle for a few yrs now.

Sorry ment to add

BCW= Buchanan Clark Wells

AK= Aktiv Kapital

P= Provident

D=My friend.

Just incase anyone wanted to know who l am on about or newbies.

Discounts mean something is wrong with the debt. Especially when it comes to a backstreet loan company like provident.

Yep l no Renegadeimp have dealt with them myself they ended up with nothing. tho it did not go to a DCA stayed with them. Never dealt with a DCA for provident.

Looking to pay nothing due to the rates they expect you to pay and the agent stopped coming round as he was scared of the dog.

you want to see the agents note book entries

was this his only loan..i bet not.

dx

DX l dont no.

Provident have never conversed with D over this.

The only reason we know the agent was scared of the dog is because he did not turn up twice and D called him.

He ignored the call, well it rang a few times then went to voice mail,

a handwritten note was put through the door on a compliments slip saying he would be getting a new agent due to current agent being scared of the dog.

It seemed strange to me re the phone so we tested it if the call came from any of Ds numbers

and it was visable then it would ring then go to voice mail

but if the number was not visable or came from my mobile then it would answer.

Local office was phoned by me with D there giving permission and

l asked how come this had only just come up when agent had been several times before

and not been a problem but one day when the agent turned up and D was not there the dog barked and the agent got scared.

This is a day the agent turned up when he was not ment to.

The dog is a huskey but are they not ment to bark at the door.

D has had the dog a number of years must be since my middle one was in the local surestart nursery

so were talking 4-5 yrs and the dog and agent had meet before especially when the agent brought the money round

as he would have been in the flat.

The new agent was never sent or no further contact.

This is the first contact in months from anyone to do with Provident.

Though on one occassion my partner and l were at the flat looking after the dog due to hospital visit as D has a few medical issues

and the agent never provided any type of id to prove they were a agent and had the right to collect

he handed me a tesco clubcard saying that me.

I went and got mine saying snap.

Never had any paperwork a folder or anything.

As far as l was concerned he could have been a [problem] artist as result he went away empty handed.

I was told when we had a provident loan, over 10 yrs ago, that the agent should always produce a id

to say they work for provident and we could ask for it at anytime as they would regularly have to renew it.

it Is 'unusual' for provi loans to be sold on.

typically mind

its because loans were a 'rollover' or a 'new' loan

and the agent took immediate payment for the 'new' loan the day he gave the cash over

breaks the CCa 14 days cancellation rights

dx

Well l no that no new loan has been taken out in months as no contact has been made. I have never known a provi debt to be sold either. It does seem strange to me but the provident letter is clear and the BCW letter is also comfirming its a provi debt.

Be aware of BCW ... I had a Provident loan and like you the agent stopped and there were all different kinds of arguments but it was passed to BCW who after a month were telephoning my landline 5-8 times a day, my mobile 5 times a day and my works number 2/3 times a day all from different numbers. They ignored the No Calls letter and i eventually took it up with both Trading Standards, OFT and the local police (who by the way do nothing as they claim it is a civil matter)

They use mobile numbers, Skype numbers and numbers from different locations around the UK as well as the non-geographical numbers

Hi

Just been asked to help a friend,

 

 

D, who has recieved a letter from Provident saying that as of the 22nd August

they sold the account to AK and BCW are managing the account.

 

This letter is dated the 17th october 2014.

 

Also recieved is a letter from AK, dated 17th october 2014,

saying the have purchased the account from provident and the outstanding balance is £xxx.

 

These I believe, and cant say way incase they are watching, have been printed from the same printer.

 

Also recieved is a letter dated the 14th october 2014 from BCW saying they are disapointed the situation remains unsolved.

this is also a Settlement Offer offering him a exceptional opportunity to settle on highly favorable terms

they are willing to accept under £500 less as long as its paid in 3 months and

they reserve the right to register a deafult on the account then the client will mark it as partily settled.

Highly favorable to them l see.

 

I have noted the dates they must think that we have a time machine due to the dates.

 

D has not got any paperwork for this account so l am SARing Provident and CCAing BCW and will go from there.

 

l have agreed to battle for him,

he is a Mental health patient and

l fight all his battles for him.

 

 

He has asked l dont scan or put copies of letters on here but said l can give necessary details to help with the issue.

 

Just looking to no if there is anything new with Provident and if l could get the debt wiped completely based on the extortinate rates.

 

Any advise based on this would be a help l have been out of the battle for a few yrs now.

It is accepted practice for a debt purchaser to send a notice of assignment on behalf of the original creditor.

DNs can be sent by the OC the assignee or both.

Be aware of BCW ... I had a Provident loan and like you the agent stopped and there were all different kinds of arguments but it was passed to BCW who after a month were telephoning my landline 5-8 times a day, my mobile 5 times a day and my works number 2/3 times a day all from different numbers. They ignored the No Calls letter and i eventually took it up with both Trading Standards, OFT and the local police (who by the way do nothing as they claim it is a civil matter)

 

They use mobile numbers, Skype numbers and numbers from different locations around the UK as well as the non-geographical numbers

Well non geographical numbers are blocked on Ds phone so are unknown numbers. The best part is he never answers the phone anyway. Oh and they will be billed per phone call.

Oh and l no its accepted practise but generally they are sent in same envelope not in a provident envelope for the provident letter and a normal envelope for the AK letter.