The money Provident loans out is mostly to people on welfare. This is Government Tax Payer money supporting the UK social net.. Welfare people have to sometimes get a loan to rent a property and can not get money else where. Money that you get from Social programms definatly do not pay to this Company. They have an army of women making the collects. If they knock on the door tell them to xxxx and not come back and you will only deal with Provident in writing. Make 10 pound a week till you pay off the debt. If you do not have that 1 pound if they will take it. The trouble is the UK Government will not or does not want to pass "usage laws (high rates of interest". Usage rates of interest are unenforceable in a UK Court of Law.Overseas USA Washington has a cap of 12% on interest rates that can be charge at all levels of loan. Other States too..Middle East under Sharia Law charging any interest at all is against the teachings of Allah and Koran. A class action suit, like PPI which has been flogged to death, could be brought against Provident for usage interest rates and using welfare money.Best bet is not use them at all. Aviod them.You have to be desperate if you use them.