i couldnt agree more with what you say about provident, i to be honest cannot afford this loan, but when there is cash being waved in front of you not long before xmas all them thoughts dont enter your head. They are a ruthless company who prey on the vunerable, it shouldnt be allowed to happen in this day and age but sadly it does all too often.

Just an update, i have had the area manager of provident on the phone today, he told me that this will be dealt with very soon and i should just keep on paying the £12. Sounds like they are backing down to me, i will keep you posted.

hi godmother, i will not be giving into provvy's demands i will be fighting them all the way, when i have paid my 56 weekly payments of £12 i will be saying thank you but do not call anymore, what can they do? i will have done nothing wrong, i would love them to take me to court but i doubt they will go down that avenue. I have sent them an official letter of complaint today so my next course of action will depend on what they say.

Thanks for that, i am going to send off what you suggested tomorrow.

just an update, i cant believe the utter cheek on provident, i recieved a phone call from the branch manager and she said yes the agent made a mistake but you will still have to pay the £18 or they can lower the payments to £14 but it will be spread over 81 weeks and in her own words she said "YOU WILL PAY MORE INTEREST" i was totally flabbergasted by her rudeness. I have now written to the financial ombudsman complaining about how they are operating.

i have just checked my payment book and in there the details are what the loan payments should be(£18). But when i took out the £600 loan the agent took the book away and said she will bring it back when my first payment is due, so perhaps its not a fault with the office but solely the fault of the agent? I am still going to contest this plus i will visit my local CAB on monday. i will keep you posted

Cheers sod'em i dont feel so guilty now

Thanks for your help, funny thing i recieved a text from the agent today saying that someone in head office is going to contact me and her job is now on the line?? she signed off by saying thanks a lot, i sort of feel guilty but i am not going to let it go.

Hello this is my first ever post, i am looking for some advice regarding a provident loan i recently had (yes i know they have very high apr). I had a loan previous and always paid up on time, so when i finally paid off the balance i decided to get another loan for £600. The agent called to my home and the first thing i asked was "what are the terms?" the paperwork said 56 weeks @ £12 per week, i thought ok i can afford that and i took out the loan. Anyway the agent called today and as always i leave her a cheque in my shed for her to collect because i aint at home the time she calls. So i was very suprised to recieve a text message from the doorstep agent saying "you are £6 short the payment should have been £18" i immediatly text her back saying according to the paperwork it says £12 per week, she then replied "oh i must have made a mistake filling in the forms but the payments will be £18". My question is what can i do regarding payments? i would not have taken out the loan for £600 if i knew i had to pay £18, £12 is probobly my limit, as i said before the credit agreement written out by the agent say's £12 per week, is that legally binding? can i refuse to pay £18 per week? I dont really want to get the agent into trouble as she is a lovely person, but this had put me in an awkward situation. Any advice would be appreciated. Thanks in advance