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  1. Hello, i have been helping a friend out who has Provident loans. He has had for years, so I gather. He has always worked but over the last year in particular is drowning with the debt, whilst paying what he can. Like a idiot last summer he even took 2 loans out with Satsuma to get through - and since defaulted on these. Provident hasn't been defaulted to date. I wrote off to Provident for him and complained about irresponsible lending as he's sure loans were paid off by taking new loans in most cases. After a couple of days a letter came back dismissing he's claim
  2. Hi all, This time last year my gran passed away. We have discovered this week after finally clearing out everything in the premises (extreme hoarder) that she was a customer of that lovely company we know as Provident. From the mountains of paper work I've looked through, I have found 23 legible statements first one with a date of March 2008 and last one December 2014 - The oldest of the paperwork (extremely water-damaged) have the provident logo's and date Nov 1999. We have counted every one of these and there's 121 (inc the 23 legible) - which works out at roughly 3-4 loans per
  3. Name of the Claimant ?PRA Group (UK) Limited Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 26/10/2018 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - 28/11/2018 ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days
  4. Hi I.m new here and need help . Over the yrs me and the wife have had provident loans we have defaulted 3 times on them for thousands over the yrs. They still lent to us mind. Over last few yrs we have never missed a payment but got our self in debt with them. To the point we paying £200 a wk in repayments over long term. We kept renewing loans for more to keep money in our pockets it would last us a fee wks until next renewal to the point that we are at the limit. We did pay it off once to lower payments and renewed straight away then to get more money back bu
  5. I've lurked here for many months and gained lots of useful advice. Many Thanks. I've joined ready for what may be the next step.... I've taken up the cudgels for my partners who is being harassed by Lowells Pariahs for an old £400 Provident debt she was saddled with by her ex partner. On my advice, she ignored months of Lowell Portfolio threatograms and discount offers to settle, then they wheeled out Lowells Solicitors, whom I imagine to be another minimum wage otherwise unemployable sat at an adjacent desk! I suspect they are cranking up as it appears to become statute barr
  6. I have just found out the level of my 69 year old mother's provident loan repayments. At the moment, she would appear to have 4 active loans and a weekly repayment of £110 per week whilst living on a pension. Surely there has to be some sort of irresponsible lending going on here? Most weeks, her fridge is almost running on empty and I'm lending money from time to time to help her pay things like rent, electricity and even to make sure that there is food in the fridge! I knew she had a loan, but I am shocked at the level of it. She cannot afford £400 a month, on a pension either
  7. Hi, I was wondering if it would be possible to get some advice please. Late 2011/ early 2012 (sorry I can't remember the exact date) I took a loan out through Providemt for about 300. I paid weekly to the lady collector who arranged the loan and then a new collector started working for them and I continued to pay him weekly (for about 4 weeks) until late mid 2012 when I was moving to a different county. At this point I paid my balance to the collector in cash as was the arrangement and moved away. Over the past few years I would occasionally get a 'debt' letter from Low
  8. regarding this post: http://www.consumeractiongroup.co.uk/forum/showthread.php?401188-Abbey-National-Endowment-Mortgage-Santander-giving-us-the-runaround AVIVA have demonstrated the kind of shocking customer service that even BT would be ashamed of - This complaint has been running far too long now, AVIVA customer support - Pls explain why this has taken so long. I would like a reply, & an explanation, & an apology. I would never EVER deal with this ridiculous outfit as my Parents did. AVIVA pls deal.
  9. Well it seems like Provident are having issues. Being investigated for irresponsible lending and losing a lot of money on shares. http://www.dailymail.co.uk/news/article-4814606/800-000-families-face-crisis-sub-prime-loan-firm-tanks.html
  10. Hey all Not been on here in while! ok so here goes My wife has got herself into a bit of debt without my knowledge and is now struggling to make payments etc due to us moving home and the expense that has caused so Im starting with Provident She had been paying nearly £60 a week to provident for a £2200 loan it looks it split into 2 different loans £700 Flat rate interest 68.50% APR 191.20% £1500 same interest rates as above this is causing a great deal of grief in the household soo please could anyone help with advise on how to go about tackling
  11. Hi guys, hoping you can help. I've sent off my complaint to Provident about irresponsible lending, what i am wondering about is what would be refunded (if successful). From what i have read up on, it would be interest + 8% of that interest. So for example, one of my loans were £1600, over a period of 104 weeks with an interest rate of 181.4%. Using an interest calculator online, it shows the interest on that loan would be £4,409.70 plus 8% of that which is £352.78, totalling £4,762.48. I just want to make sure because that seems an awful lot, considering i had 10+ lo
  12. received c/c summons from lowells via n/Hampton indicated that didn't have any knowledge of debt and would defend on line n/Hampton acknowledged . this am a letter from Lowell solicitors Form N 190 already filled in just requiring my sig , they did also state that court would be in touch ive heard it all now or is this the norm. have sec 77 lowels no reply as yet
  13. Bit of help/advise needed. during a recent search through the credit file I came across a default registered by Lowell Financial a former Provident debt. following some threads on here first thought was to CCA them CCA'd them on 14.06.17 finally received a copy of a credit agreement and statement of account on 29/07/17. however I am dubious as signature doesn't look like mine, the agent I was dealing with back then was named Joan and never had any contact with the agent named on the credit agreement. also on the statement of account it states I mad
  14. Hi All Trying to help a friend who is a mental health patient. He had a provident loan and then several times they rolled it over. Never checked he could afford it or asked for proof of income. They know he is on benefits and a mental health patient. Not SB last payment was 29/7/13. Was assigned 13 months, aug 14, later to A Kapital who then assigned it to PRA group end of dec 14. they say he was informed but he cant remember if was. Stopped paying as Agent stopped calling when not getting enough to cover it due to money. He said first he kn
  15. Name of the Claimant - Lowell Portfolio I LTD Date of issue – 08/02/2017 Date to acknowledge - 26/02/2017 Date to defence - by 4pm 10/03/2017 What is the claim for? 1) The Defendant entered into a consumer credit act 1974 regulated agreement with Provident personal Credit limited under account reference ********* ('the agreement'). 2) The Defendant failed to maintain the required payments and a default notice was served and not complied with. 3) The Agreement was later assigned to the Claimant on 29/08/2014 and notice given to the Defendant. 4) Despite
  16. Hey, I haven't posted on here in a long time but I have just received a Claim Form from Lowell Solicitors on behalf of Provident. I used to work in litigation, but that was 7+ years ago (unqualified legal assistant), so whilst I am familiar with small claims and county court processes, I am a little rusty all the same, so I hope to get some information from people in the know... The date of issue is 31/01 I have filed AOS I am calculating the date for the defence to be by 04/03. I have made a CCA request to Lowell Plus I have made a CPR 31.14 request to Lowel
  17. Name of the Claimant - Lowell Portfolio I LTD Date of issue – 17/01/2019 Date to acknowledge) = 04/02/17 Date to defence = by 4pm Friday 17/02/17 What is the claim for? 1) The Defendant entered into a consumer credit act 1974 regulated agreement with Provident personal Credit limited under account reference ********* ('the agreement'). 2) The Defendant failed to maintain the required payments and a default notice was served and not complied with. 3) The Agreement was later assigned to the Claimant on 26/06/2015 and notice given to the Defendant.
  18. I have a number of accounts with provident that I stopped paying about 12 months ago. I was an agent for them for a very short time and took a number of loans out myself (stupid I know). I stopped working for them 2 years ago when I was forced to take out a loan due to me loosing the money I collected when I had to take it into the office to show the collections on a weekly basis. I was so upset by this I stopped working for them in my part time position as an agent. I have had numerous calls which I have ignored but have just got a default letter from vanquish fresh
  19. Good Morning! Does anyone know how I can stop a door collection agent from Provident attending my home? I missed a payment collection date and was unable to notify the agent as my phone died. The agent then attended my property 4 times that evening knocking loudly from 9pm. Has anyone dealt with Provident before? The whole doorstep collection process for the sake of £100 loan is getting ridiculous. If I can come to an arrangement and deal directly with them that would be ideal. Any advice would be appreciated! Thanks very much. Kind regards P
  20. Hi , just a brief question ... my parents , both over 70 and on pension are both gambling every penny and more on the fruit machines ( though as most addicts do they deny it ) and are regularly taking out Provident loans to support this ... I reclaimed nearly £2k in bank charges for them which was gone within the month as well as over £2k of Provident loans ... they have been on the phone to the agent again this morning so no doubt more will follow ! I have told the agent several times that they are gambling the money and she said she wouldn't give them any more - but she has ! and k
  21. I have had over £500 worth of loans from what was originally greenwoods but they merged with provident so i'm told. So when my original caller quit after the merger provident sent 5 different callers over a 7 week period and each one i asked to see their identification as anybody would, but each one of them said we don't carry id as it isn't company policy, so i told them no id no payment. They could have been anybody and i don't pay to anybody on my doorstep without id. In recent months i have been recieving letters from lowell threatening court action and bailiffs, and i told them same as i
  22. Hi all Need a little help after looking at my credit report i have been trying to clean up my mistakes. I had a old mobile which i fall behind (passed on to lowell) I phoned the company to make payments to where they said i had a outstanding provident loan this was new to me as i said to them i have never had a loan from provident. I ask if they could send me documents of the loan agreement. Its been a few weeks and to day i had a email stating they have investigated my enquiry, but are unable to provide and documents. the email goes on and then
  23. Wonder if anyone can advise on the problem my partner is having with Lowell. Following is a timeline of events: Partner had problems paying provident and was defaulted on 4/1/2010 but was paying 1pound a month. Debt sold to Lowell on 22/5/2015 Sent for cca on 24/7/2015 Letter from lowells on 3/8/2015 -they have requested credit agreement. Letter from lowells- 4/9/2015- no cca closing account Letter from lowells- 16/9/2015 Copy of signed cca with terms and conditions. October 2015- started repayments again. The problem now is that lowells have put a
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