Wow it’s amazing how much information you can get when you know the right things to say , I don’t have an exact date of last payment as I need to call another number on Monday but they said when I stopped paying them (provident) that they got a debt collection agency called moorcroft to collect payments and this is where it gets interesting ,they said I paid £400 in £10 instalments and then it was sold to Lowell so where have Lowell got this one payment of £3.93 on 9th October 2013 from ??? Also I got married in 2011 and my name changed that’s why I’m nearly 100% sure nothing has been paid for at least 7 years as if I was paying moorcroft I would have informed them my name had changed but they still have my old nam ,hopefully il get exact dates on Monday ��

Hi, all the letters have been sent , provident didn’t ring back so I rang them again and they said they don’t have the information as it’s been sold on to Lowell and gave me a different number at Lowell, Lowell said no payment has been made since they bought the debt they said the last payment of £3.93 was made to provident I asked how I get the information as I don’t believe any such payment was made and that the debt was sb’d ,they said it’s going to court so it’s not sb’d so I don’t know how to get proof of last so called payment

I cant thank you enough for your help,im waiting for a call back from provident and il sort the rest out today,il keep you updated,again thank you

hi im having problems getting my credit file,im starting to panic as I haven't done any of the court forms yet

Name of the Claimant ? Lowell portfolio ltd Date of issue – 08 jun 18 Particulars of Claim 1)the defendant entered into a number of consumer credit act 1974 regulated agreements with provident personal credit limited under account reference xxxxxxxx which is formed of the agreements which are numbered xxxxxxxxx,xxxxxxxxx,,-(the agreements) 2)the defendant failed to maintain the required payments and arrears began to accrue. 3)the agreements were later assigned to the claimant on 29/08/2014 and notice given to the defendant. 4)£1907 remains due and outstanding. and the claimant claims a)the said sum of £1907 b)interest pursuant to s69 county courts act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.418, but limited to one year, being £152 c)costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? What is the total value of the claim? Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? loans When did you enter into the original agreement before or after April 2007? after I think Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? not sure Did you receive a Default Notice from the original creditor? cant remember Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no dont think so Why did you cease payments? to be honest I completely forgot until I got a letter few weeks ago which I ignored as thought it was statute barred What was the date of your last payment?again I cant remember as its been years Was there a dispute with the original creditor that remains unresolved? Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management planicon? no sorry im not very good on computers ,its been such a long time I cant remember but my name has changed since I had the loan, ive been married 7 years and I honestly cant remember making any payments' had a stroke in December 2013 so my memory isn't the best

Hi I’m new to this, trying to get some help, I got county court letters yesterday about a debt with provident from 2007 , from what I’ve read it’s statute barred but Lowell are saying I made a payment of £3.93 on 9th October 2013 as far as I’m aware I haven’t made any payments in at least 6 years but I have no idea what I’m doing any help would be fantastic. Ruth