Kids dad just phoned me back. He wants to buy her the bed for a present and insists I pay him nothing in return. She should have it within the week, he and new partner will go and get an orthopaedic bed ordered tonight. He also called me a silly moo for thinking of getting credit to buy it in the first place!!!!! Talk about a busy hour. Should thank you provvy for pushing me to talk to my ex. He says you are **** too but lucky for me he has a very good credit score that wouldn't lower itself to using you. Shame those who do need to use you are messed around so badly, you want us you dont, you do you dont, oh,make your mind up.

They didn't like me pointing our it was a little sniffy to refer to a card that it was obvious they would refuse to refer back to provident for an amount had already said was not enough. I consider this a silly near miss opted for rather than contacting my ex. THANKS VANQUIS AND PROVIDENT FOR SHOWING ME HOW DODGY YOU APPEAR TO BE ONCE MORE. ITS NOT A MATTER OF BEING UPSET AT REFUSED, MORE OF BEING MISLED TO THINKING WAS ACCEPTED TO BE LET DOWN ONCE MORE.

Rang provident 0800 number out of interest as last time the man turned up offering half what wanted. So I tell her what happened last time and that I would just like to be reassured it was 500.00 the rep would come with. Guess what? From getting message saying accepted. I am suddenly declined. So I once again say to a provident rep, remove me from you mailing list as you are time wasters and I dont want any more offers to reapply and she says it is done. Is there more to this, when ringing up I had to go through all the questions asked on line and wonder wether the acceptance notice is just a porkie. In that you either get the man turn up with less money and justify you were not accepted for 500.00 or more sinister are provident/vanquis building up some sort of data base. Pathetic really as it was them who encouraged me to apply when it seems they dont want me to borrow any more than 250.00 in the first place. So who are we that are okay for a rip off loan of 250.00, but not 500.00 when our situation has not change. Either they have changed their marketing policy or are deliberately giving false hope, which is NOT FAIR. Why did the loan and card offer not say you are restricted to 250.00? I FIND THEM DODGY and will approach daughters dad for the bed. He pays the csa and kids now see him, so will kindly ask he gets it however he can and I insist on repaying him in full. Should work out cheaper all round avoiding the provvy. You know what its like you dont want to approach an ex, but needs must.

Thank you, so I am right. The need for them to deny information has been past between the two when just originally trying to get them to remove my details, makes it appear very dodgy added to the we are nothing to do with vanquis. There is no need for it.

I know they charge a high rate, but have used them before and successfully paid off previous loan of 500.00, so I just couldnt understand as my situation was the same, why they were offering me less, then to apply for credit card, to encourage me to apply back with provident for the ammount I requested in the first place. Different companies I could understand, but after reading other threads I am assuming I am correct in that they are linked. So they either want to lend me 500.00 or dont, but please stop messing me about, I am a good payer.

I have been told by provident that they are not linked to vanquis rather snottily. Also that the only link between the two is that the provident offer a product supported by vanquis like a lot of companies do she said. Reason I am posting this is I did a little test re something that happened a few months ago. Provident offered me an instant loan, but as it was not for the agreed amount I declined, basically I couldn't do what I needed to do. Needed new bed for daughter. They seemed rather suprised I declined the lower offer, I had asked for 500.00 to get her an orthopaedic bed due to back problems, but for 250.00 I could only get the standard bed similar to already had and hurting her back. Any way I said no. Since then I started being bombarded by visa forms from vanquis offering similar product but a card but offering the 500.00. I applied and was rejected and told to come back in six months. In the meantime provident were bombarding me with the 250.00 offer which I again refused. Received offer form from vanquis asking me to re apply and I did. Refected, but this time they offered me to click on what was described as sister company provident for a loan of 500.00. Clicked on it to see and it said provisionally accepted and will get our rep to call on you in couple of days. If they call and offer only 250.00 I will tell them to pee off. Thing is last time I was being bombarded by these forms I called provident as it started soon after. They said they are nothing to do with vanquis. So I find it misleading for them to convey that over the phone when only asking why are they passing my details on to vanquis for them to refuse it was the case when all I wanted, was them to remove my details. As it is will see if I get offered the 500.00 for daughters bed, but I am suspecting they will again only offer 250.00. I am not too worried about my credit score, hence my little test today, but I suspected I would be turned down once more and refered to provident as was. I suspect for low income and poor credit rating customers in some cases, these offers of credit are only to encourage you to apply, get turned down and refered to provident. Why is provident not admitting to owning vanquis or visa versa or why not admit sister companies?