Oh my gawd better keep an eye on this then,thanks for the heads up.

The debt is not mine I paid it on behalf of my partner,if they take any money out of my account with out my express permission they will be acting fraudulently,surely?

Why?

We have had a photo copy of the agreements from Provident does this constitute a true copy? However there is nothing in writing about what was agreed with Moorecroft over the phone of payment of £30 a month. They are a third party in my eyes and have either brought the debt or it has been handed to them by Provident. Do I send the letter above or adapt the others. Sorry for being a pain.

Many thanks

We phone Moorecroft and pay normally by debit card.

Is there a template letter on how to word this ??

Thanks a lot to take in.

I wonder if you can help. My partner has had two loans from the Provident,unbeknown to me. The first was on the 5/12/08 and 5/06/09.The first for £600 and the second for £400. She has been paying them but then got into difficulties. Because she didnt tell me I didnt know how much she got behind until letters started appearing. This has caused many arguments between us. Moorecroft have been involved and I agreed with them via my partner that £30 a month would be paid off what I thought was one debt,the first one for £600.We paid a one off goodwill payment of £10 and started to pay the £30 as agreed.In total I think it must be around £130 which has been paid. A couple of days ago my partner got a letter from Provident showing a second demand for payment of the second loan,which I was unaware of. Moorecroft from the statement have taken £12 £2.40 £12.00 £4.00 £12.00.All at differrent dates which begs two questions what has happened of the £30 paid as agreed and have they split the payment over the two loans. This isnt what was agreed.If anything the agreement was for £30 to be paid off the total sums and not one,if that is what has happened. I have called the Provident and had a major row with them and asked if the debts had been sold on to Moorecroft. I was told it had been passed over and after much pushing from me the manager said no. I then questioned why Moorecroft were collecting the money if it hadnt been sold on and I was told to contact them for further information.I was also told they can pass it on to a debt recovery service,which I challenged as the contract is with Provident and not Moorecroft,hence not wanting to tell me if it had been sold on. I have asked them to show me the following, Validation of the debt (the actual accounting) Verification the claim against my partner A copy of the contract binding both parties. I was told by the manager that they would send out to me the documentation. We recived a letter and the two photo copied agreements with an apr of 189.2%!!!!! The letter stated that the monies paid would be split between the two debts. How nice of them to do this with out my partners permission. They have also said I contact them by phone or by writing and that I can contact the FOS. I have had a conversation with Moorecroft and told them we are in dispute with Provident. Now I want to write to Provident and demanding what I originally asked for as a tatty photo copy doesnt constitute what Iam asking for and also I want to know if they have sold the debt on thus nulifying the contract.Also the extorinate APR is a disgrace. Does everyone on here think I have a case or should I be careful inn how I go about this. They are the ones who have been dishonest in the fact that an agreement had been reached to start paying off the debt but then split the payments with out my partners say so. Cheers Kev