Sorry but as far as im aware provident dont charge penalty fees or any extra interest. When ur agent turns up just pay them what you can afford. Im with provi myself and dont pay full weekly amount i pay what i can afford. You can complain to head office re area manager. Just dont worry pay what u can afford even if its £5 provi wont take u to court as long as u maintain payment.

Hi No Problem CAG is here to help and advise people but it is up to the individual how they use that help and advice, I can understand your caution but you will get used to CAG. If you are ever worried like that or concerned about what is being said just hit the triangle and report it and the site team will advise you. Now I'm trying to look for the EU regulation on this so will get back to you. Oh almost forgot I can understand you saying you didnt give them the account or password as your computer was hacked now the BUT with those two clause thats their get out clause as you are responsible for keeping the account and p

Hope that helps

My heart goes out to you, 6 years ago I hit the buffers and finally had to sling in the towel on £93k worth of consumer debt -not proud of it and all down to stupidity in my case, unlike yours. So on the shame- game I reckon I trump you - right? I tell you this to show you that there are many others in the same boat as you - security in numbers? well it certainly comforted me. Truth be told I respect and admire you for what you have achieved, bereavement and brining up a family on your own - this world needs more decent people like you in it. Your debts are consumer credit debts and do not take priority over things like your ren

The £4.80 was the original fare price which I was offering to pay but the officer never took as part of the penalty, I reoffered this in my appeal. Payment was made tonight so all's well that ends well.

Hi Well Blair Oliver Scott are in fact Bank of Scotland....same company. If you want to get absolutely all data that the lender holds then send them a Subject Access Request (SAR). There is a template in the CAG library, the link to which is at the top of every CAG page in green. The cost is £10 and they will have 40 days to comply. Make sure there is a line added to say that the SAR is to include copies of all and any agreements you have ever had with them. You may find that there are unlawful charges on the account which could be reclaimed too (plus the interest on them).

Many thanks ims21 Ok Bury get quantifying...but as said prepare yourself for a shock if the figure is 8K net. Regards Andy

OK I believe that BCOBS came in to effect in November 2009 and gave a customer a right to action where they were treated unfairly. Prior to that I think it was the banking code. Andyorch can advise on the legal bit. As the account seems to have been left dormant then the charges and interest remain "notional" on the account as they haven't actually been paid over, they have just accumulated on the account. Accordingly I would use this spreadsheet. CISheet v101.xls Go through the statements of account and list each charge that has been levied on the account (not the interest) giving the date of the charge, a descriptio

Well done, good result

hi p2 firstly lets burst one bubble DCA'd are NOT BAILIFFS they never EVER will be and until a DCA OWNS a debt [which freddies DON't] they can do NOTHING to you. only the OWNER can take you to court if then you fail to pay the CCJ only THEN can baillifs get involved and they will be COURT BAILIFFS - and NEVER a DCA even with COURT PAPERS - no DCA has ANY magical powers. right thats that done... can you get your cra file please see below noddle is free can you list your debts please and make sure they all show on the CRA file. as for freccies/carter for th