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    • It just been delivered and ive had a live chat with p2g to get some proof of deliverey and they send me a picture of the parcel placed in a gas meter box which they class as a ' 'Safe Place'  and not placed into the hands of the buyer which is either a good thing as the buyer can claim he never received It so i can claim against p2g or a bad thing . Do p2g have coordinators when taking pictures and scanning of parcels ?  I know Royal Mail do ... I'm going to send the buyer a message and see what he says
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    • Wow thats incredible. Thank you so much
    • If the purchaser denies having received it then sue P2G. If you simply don't hear anything more from the purchaser then you have the purchaser's name and address – and frankly for £48 I would go ahead and sue. As long as you have good proof of delivery then your chances of success are probably better than 95% and frankly the purchaser would probably put their hands up as they would effectively be being sued for the civil equivalent of theft. I wouldn't let it go if I were you. It would be a good exercise for you and gives you confidence the next time something comes up which is may be much more valuable
    • Thank you again Emmzzi for your insight. Not only did I do the work, but as a maths tutor delivering financial literacy workshops under the Govt Multiply project, the college were paid £400 for each student I recruited, which makes it an even bigger kick in the teeth! I spoke to Citizens Advice Bureau on Friday who advised me to go back to ACAS for advice and assistance, as ACAS are the experts in employment matters. They did also mention small claims court, as being more straightforward and less complex, but surely their solicitor would just contest this and I would lose the £80 court fee? If I did submit a claim through the small claims court, would I just leave the employment tribunal running until the outcome? The deadline for me to submit my schedule of loss is tomorrow, so I will submit today so that they cannot hold me in breach.
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provident loan/wiseman debt collectors


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Hi

Peter once checked my provident agreement and came up with the following if it helps. I've contacted him again as I've just received a claim form from northampton. Will let you know what response I have from Peter.

 

The agreement is on page 356 of CCA thread

 

Re: Re Provident-(post 7117)

Quote:

Originally Posted by taurus66

Hi

I have onny glanced so far ut i see no interest ratewhich is of course a prescribed terms.

Also the apr is incorrect according to my calculations it should be 181%.

This could be construed as predudicial to the debtor in that the correct information was not supplied in order to make an informed choice and render the agreement unenforceable under 127(1)

I also take the point about the extortionate credit bargain.May i ask what the status of the account is currently.

PM me if you like

 

Best regards

Peter

 

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My partner recieved a letter yesterday from them advertising the interest rate at 183.2%.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi,

 

Did the agent witness the signature herself? Looks that way and they did the same with me.

 

They are supposed to take it back to head office to be approved and witnessed by the area manager but alot of them seem to witness it themselves.

 

Something to bring up maybe?

 

Good Luck

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Blackhorse Car Finance Court Claim - Won

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It sound like a good idea.

 

They will not issue legal procedings as they will have to much to answer. Especially when tou explian to the court they failed to send an gent round and they failed to send you anything to help you pay them back the money and the argument over the interest rate.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 1 month later...

had a reply from letter i sent.

guess what they have sent me another expenduture and income letter with notice of intend action across the top and asking for payment by the 16th jan/08 or they are going to take court action.

they are on about balifs and county couirt fees. aarrgghhhh. help

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Just send the letter again.

 

See what you get and tell them they have 7 days from recipt to reply to your letter.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 6 months later...

an update on these,

 

they ignored all my letters and i eventually made a standing order with my bank to them and i have been paying provident a steady £5.00 a month.

so i'm slowly paying it back for i don't know how long...

i asked them if they could reduce the amount as i'm on income support - they said no.

some one did mention about the apr being wrong as i think this would be my only option but could any one help me on that as that's why i'm repaying them as i don't know anything about apr...

 

help!

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You are in control of the standing order. Then u can change the amount to whatever you feel is within your means.

 

Write to them advising that due to the high living costs you are going to have to reduce the amount to something which you can afford.

 

If you want to talk about the apr then u need to speak to PT2537 about that as i am no good with apr either.

 

If you need any help with the letter then let me know.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 3 months later...

Just to warn all of you ... these 'legal' loan sharks are now reporting their loans to us to the Credit Reference Agencies!

I'm spitting blood about this!

Even though I've not missed any payments and my account with them is up-to-date this flippin door step loan will remain on my CR for 6 flippin years.

What 'legit' lender will lend to me now!

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  • 3 weeks later...
Just to warn all of you ... these 'legal' loan sharks are now reporting their loans to us to the Credit Reference Agencies!

I'm spitting blood about this!

Even though I've not missed any payments and my account with them is up-to-date this flippin door step loan will remain on my CR for 6 flippin years.

What 'legit' lender will lend to me now!

 

Sorry to be so thick, but I thought all loans you take out are put on your credit files.

 

What would be the problem for someone like Provident appearing on your credit file. Is it a big black mark? I ask because I may need to borrow £500 from Provident asap.

 

Tezzaa

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Provident are like a black mark. They are for the subprime really.

 

Not all loans appaired on your CRA in fact non of mine have so if Provvy were to mark anything it would be from 2004/5 so they can then remove it as it would be incorect info.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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