Hi I.m new here and need help .

Over the yrs me and the wife have had provident loans

we have defaulted 3 times on them for thousands over the yrs.

They still lent to us mind.

Over last few yrs we have never missed a payment but got our self in debt with them.

To the point we paying £200 a wk in repayments over long term.

We kept renewing loans for more to keep money in our pockets it would last us a fee wks until next renewal to the point that we are at the limit.

We did pay it off once to lower payments and renewed straight away then to get more money back but this is how we got to the limit .

We paid off with our Christmas no ey borrowed 2 wks later to get our money back but borrowed even more .

My wife as aspergers and she hates not paying it especially as we know the agent as live locally.

We on benefits which as been stopped at moment due to change over from was to income support not had money for nearly 3wks andooking at another fee wks before it's sorted.

We missed last wks payment they been fine with it and going to try and help but can't afford to pay it back at all.

My son and daughter been helping is out for so long even my son's boss giving is money to lend .

CAB just told us to contact them to make arrangement to lower payment but we been told it looks like we been irresponsible lending and between defaults and constantly renewing for more shows we couldn't really afford them they never looked at our money coming in and cause we needed the money for Christmas we lied what we had coming in I know it's wrong but was desperate.

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Thank you am so worried I just wrote and didn't think .

def irresponsible lending

get that complaint running.

Thank you what do i need to do exactly

read the pdf in post 2?.........

Thank you will get onto it today

read the pdf in post 2?.........

Update I emailed the directors yesterday evening

I sent it to every one listed as the ceo

got returned out of all the names on the ceo webpage.

Only 1 allowed it .

I then had a look on the other provident pages and found another director and it was sent there aswell.

Got a reply today to say they are looking into our complaints.

I have all our books going back yrs and boy I am shocked myself what we.ve had and how they allowed it

at the time u don't see it but every few months, some every wk.

Will keep u posted how it goes

go nail 'em!!

little dicky bird tells me that the FCA are FERY interested in Provident at present

they've had 100's of complaints from people getting letters from lowells on debts going back to the early 2000's some beyond

that lowells are now chasing and many they are trying to litigate on too.

dx

Are they really

I keep getting chased by them aswell

but thry statuary bard as they are over 6yrs old

I believe around 8/9 yrs

I just ignore them cause I know they can't do nothing

I also believe provident won't take to court cause of the interest rates.

From what I can see I have paid what I have borrowed prob 3 times over in the last 6yrs .

Only thing I.m unsure of is that I know we been lent irresponsible b

ut in terms of figures how do I break down what I want.

I have memory problems so what I read don't always make sense of

I can't absorb the info to make sense without someone telling me what it is I need to do so if anyone can help i.d be greatfull .

Just need to explain what it is I need to calculate so I can get someone to do this for me

cause without knowing I can't explain to the other person.

If that makes sense sorry for so many questions.

didn't say provi take you to court

ofcourse they don't

I was relating to lowells

they will and do

they send out 1 or 2 letters to an old address

then if they get no response

they issue a speculative claimform.

matters not if its Statute Barred.

if the claim is not contested

no human looks at it

rubberstamped default judgement.

1st people know is a judgement for claimant magically arrives at their correct address

that's why its SO important to update debt owners of a change of address

750'000 claimforms are issued every year

more than 85% are never contested

Thank you I.m not sure what I.m suppose to be asking for in the reclaims.

I.ve for certainly been lent money irresponsibly.

Loan renewed as soon as possible.

Numerous loans a yr

some every other wk started at £100 raise to fee hundred then to the 1000 to 2000 .

No loans paid off all together always renewed .

perfect complaint then

off you go read the guide

Irresponsible lending - probably.

Irresponsible borrowing -certainly IMO

Wanted loans for Xmas etc - sounds like a tenant?

What would you have said/done if Provident had rightly turned you down for a later loan?

With paying them so much every wk we had no money left for savings and what's wrong with being a tenant anyway we can't all own our own houses.

Plus isn't taking numerous payday loans out no different

so you saying people who keep talking pay day loans with numerous companies it's their fault for taking the loans out .

Even though your taking one out to allow u to live for the next few wks.

No need to judge us ,we already told provident we hold some responsibility in the emails.

But perhaps you should be on this forum if you can judge anyone so quickly

Update provident came back it wasn't irresponsible lending so referred to for. Last month was found in my favour had a nice pay out last month for 6yrs of loans.

Well played! Did it go to an Ombudsman or stay with Adjudicator?

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Off to the fos then