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Provident Advice Needed


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I am no longer able to afford the debt of 40.00 a week with provident, what do I need to do, as I have a few loans with them, and at very high interest rates.


Do i write to there head office explain my circumstances and just recently lost my home, and i am having no money left for living expenses, and can I offer something like 10.00 a month


I am going to ask for my ccca as well as I do not have a book, will I have to tell the collector first I cannot afford

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You should write to the Head Office and copy in to the branch office offering them a £1.00 a month. Advice them to ensure the agent no longer visits and explain your circumstances have changed since taking out the loan. You can get an income and expenditure budget sheet on the National Debtline which is easy to fill in.

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CCA them however before making that offer. The debt may not be enforceable in which case you'll have some breathing space

All my posts are made without prejudice and may not be reused or reproduced without my express permission (or the permission of the forums owners)!


17/10/2006 Recieve claim against me from lloyds TSB for £312.82

18/10/06 S.A.R - (Subject Access Request) sent

03/02/07 Claim allocated to small claims. Hearing set for 15/05/07. Lloyds ordered to file statement setting out how they calculate their charges

15/05/07 Lloyds do not attend. Judgement ordered for £192 approx, £3 travel costs and removal of default notice

29/05/07 4pm Lloyds deadline for payment of CCJ expires. Warrant of execution ready to go

19/06/07 Letter from court stating Lloyds have made a cheque payment to court

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holly-i really, really hope this debt is not enforcable. £40 a week is an awful lot of money to pay to this company. They make it so easy for people to borrow money at extortionate rates. Their website states rates as high as 183%!!!!!!!!

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