Here is a brief overview of the situation: A few years ago my mother, who was suffering with just severe anxiety/depression, took out a loan with Provident Personal Credit Limited. She was in receipt of just ESA (WRAG component). Just over a year ago she was at our house and burst into tears. I asked her what was wrong and discovered to my horror that Provident had been taking over £172 per month from her in repayment of a now £3000+ loan. It meant that she was paying over 50% of her fornightly income, before the deduction of gas, electric, food etcetera. This can't be right I thought as I have been informed in the past by Provident agents that they are not allowed to loan money to a person when they only have £30 per week left after deducting the above. So, I sent them a leter, along with a budget sheet and offer of repayment at £10 per month, which is all my mother could afford. They accepted it, after a bit of mssing around, and all was fine. August last year my mother had a stroke that has left her with many ongoing health problems, including post-stroke vascular dementia. Bear in mind that provident have been told not to phone or visit my mothe, and that all correspondance must be in writing. Well in July she received a phone call from some cretin at the local office who as far as she could recall wanted to discuss the repayment of her loan, which she is repaying. This made her very stressed as she could not understand what the cretin was on about. I phoned the local Provident office and enquired into who had contacted my mother and they completely denied that any contact had taken place. So I checked with BT and discovered that it was them who had called, and it was from that office that the call had been made. I then sent another leter of complaint. Their reply completely denies that they phoned her and stated that the debt will now be passed onto C. K. Edrupt & Co. On 02.08.13 my mother received two letters, headded 'Notice of Acting', from them and they are demanding full repayment of the loan by 09.08.13 or that she fill in another budget sheet. If she fails to do this then they will either commence court action or pass on the account to a DCA. Any advice?

I'm new here and I'm just looking for a piece of advice, long story to understand but here goes nothing when I was 18 3 years ago I let my mother who had just been made redundant take out one of these loans in my name the amount was 600 I'm sure but not 100%, as far as I was concerned she made every payment on time and the loan was paid off during the agreed time but it turns out she lied and I only discovered this when a letter dropped through the door from C.K Edrupt & Co solicitors asking me to pay the remaining balance of £413 and I confronted my mother about it and she said she will get the money and pay it but around 1month passed and she came up with nothing but this week another letter has came through from C.K Edrupt again saying they are willing to accept 50% of the amount due if I pay in full, which I'm more than willing to do as I will just pay it. The questions I have are is there anything I should know before making this payment over the phone? Like asking them to send me a receipt or anything like that. And the next question I have is will this have a really bad effect on my credit score in years to come as I embark on getting my own mortgage ect in the future, everything else I have ever had on my credit file is perfect and this has got me really worried about things looking to my future, many thanks for any replies I get and I'm very sorry if I've posted in the wrong section.