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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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Provident- battle for a friend.


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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.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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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.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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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.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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you want to see the agents note book entries

 

 

was this his only loan..i bet not.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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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

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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.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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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.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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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.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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