Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

    • honeybee13
      Misuse of Freedom Pass - 1st Letter received and running out of time

      By honeybee13 · Posted

      Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • FTMDave
      NPE ANPR PCN - No Permit - Locton Estate, London, E3 2LP

      By FTMDave · Posted

      I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • BankFodder
      eBay parcel worth £265, booked via Parcel 2 Go, 'lost' by Evri

      By BankFodder · Posted

      Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • CinamonSpice
      Misuse of Freedom Pass - 1st Letter received and running out of time

      By CinamonSpice · Posted

      Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • BankFodder
      Scottish Widows Pension from 1999 - been sending all letter to another address for 25yrs.

      By BankFodder · Posted

      Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
      BankFodder

      Picked By

      BankFodder,
    View All

  • Recommended Topics

Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Provident Collecting??

bsj
 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3929 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

bsj

bsj

Posted
  • Author
Posted
I think it is statute barred, the date of sale has nothing to do with statute barring, the statute date is the last time contact was between you and the lender by way of payment.... if they say £1 was paid towards it just before it was sold ask for proof of who made the payment, you are entitled to this information.

 

 

I asked for this information from the catalougue today and they could'nt tell me the last time a payment was made to the account as they don't have the info,just the date the debt was sold on.

So i'm sending the statute barred letter to provident,let them prove otherwise.

Link to post
Share on other sites
  • Replies 134
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

bsj

bsj

Posted
  • Author
Posted
If its a catalouge company they won't have a valid credit agreement from before 2004 anyway.

 

JOgs

 

 

That's what i thought when they could'nt tell me what the last payment date was,if they had proof of the debt they should of been able to fulfill my qestions,not so.

 

Oh and i just learnt that wescotts status changed today to current,but it's pending,now i'm confused,phoning the OFT again in the morning i want to know what that means exactly.

 

I was pretty certain it was a sb debt anyway,i felt dissapointed to learn the default date,now i learn i was correct it's from the last payment and that would of been a time when i was in hospital,that's how i can pinpoint the date of last payment.

Link to post
Share on other sites
bsj

bsj

Posted
  • Author
Posted
The original debt is discounted by 10% and the offer is pay back the discounted amount, interest free over 25 weeks or 50 weeks, debt cleared credit file cleared, what's the problem?????

 

Firstly provident are not a collection agency.

 

It's against the law to put pressure on a debtor to take out more credit to pay another,when they can't afford to.

 

Secondly it's a statute barred debt so it drop off my credit file soon anyway.

 

I thought we were all on the same side here,do you work for them?

Link to post
Share on other sites
mr.ton

mr.ton

Posted
Posted
The original debt is discounted by 10% and the offer is pay back the discounted amount, interest free over 25 weeks or 50 weeks, debt cleared credit file cleared, what's the problem?????

 

Maybe they dont want to repay or dont have the money to repay?? :rolleyes:

Link to post
Share on other sites
bsj

bsj

Posted
  • Author
Posted

I don't have the money,and as the default has been on my file since 2004 it makes no difference.

It will drop off in a year,iv'e no wish to get credit i can't afford.

 

If i were to take the offer then could'nt pay it,i restart the timeclock on the original debt and have the problem of another creditor chasing me.

 

So all round not taking up their generous offer leaves me in a better position,they can't legally enforce it through the courts because it's statute barred.

 

All they can do is sell it on for someone else to beg for the money.Then i can report them for chasing an SB debt.

 

I'm in a win win situation.

Link to post
Share on other sites
KMF

KMF

Posted
Posted

Just been reading through this thread.

 

I'm a Provident customer & my agent was out earlier. We get on well & he knows I've had debt problems in the past so he told me that provi have bought Wescot & that it will be local agents calling on people.

I told him I didn't think that's right because a lot of people will have good relationships with their agents but now it seems that they're turning into debt collectors. I told him that if it was anyone else I would tell them where to go but I wouldn't tell him.

His advice if he was to ask me anything was not to admit the debt & say I know nothing about it.

He's apparantly been told that while an agents is going to a house anyway, more people might pay old debts & he also said they will be offering plans.

I was actually very p'd off about that & if it comes up, I have no intention of paying, I'd be more likely not to pay my provi debt.

I know my agent well enough to know that he won;t hassle me but I'm sure they won't all be so good.

Link to post
Share on other sites
bsj

bsj

Posted
  • Author
Posted

Well well well !!! thank you for that info,i knew there had to be more to it.

 

I even had a good poke around on their site and could find nothing connecting them to a DCA.

 

A new intimidation tatic although i have to admit they are alot nicer than any other DCA i have had the misfortune to deal with,seems DCA's are getting very desparate.I will admit the agent that did call on me was very nice,but knew nothing of Law or guidlines.

I have heard nothing back from them since the housecall,i'm sure your right that won't all be as pleasant because they rely on their commision.

 

Your very fortunate to have an agent that is pleasant as most are i'm sure,but now watch a change take place now they a DCA.

Especially any new agents they recruit.

Link to post
Share on other sites
PGH7447

PGH7447

Posted
Posted

Theres been nothing in the news re westcot and provident but several threads are mentioning that the provi are collecting on westcots debts, so whether they have "bought" them out or not is debatable, however if the Provi wants to disgrace itself by becomming a DCA thats their look out - the same rules apply to then as to other DCA's No Doorstep collecting

Link to post
Share on other sites
blondie46

blondie46

Posted
Posted

I had the same letter from Provident last year. Being a muppet and not being sure of what to do I paid them up, only after getting a discount of over £80 though. Now Wescott are chasing me for the debt again, and are ringing me every day ...

The man of my dreams is where he wants to be. If he wanted me, he'd be here ... :eek:

Link to post
Share on other sites
uiop

uiop

Posted
Posted

HI, I have just had a similar experience so I thought I would share my own findings/info. Any help with my questions at the end would be appreciated...

 

3 days ago I was in my house and there was a knock at the door. The person there said they were from Provident Personal Credit and they wanted to speak to me about two outstanding debts.

 

These debts were for companies who I had delt with in the past (approx 5 years). When I spoke to the person at the door they didnt have a lot of info, no reference numbers or paperwork they could give me. Only amounts and who they were originally with. They wanted me to sign up there and then for weekly payments. I declined as there was no way I was signing anything without looking into it fully. Especially for some random person at the door. I said I would look into it and be in touch. (They seemed to be indicating that I had until the end of the week, at which point they said "I dont know what happens, it could go to court")... which i'm thinking is a scare tactic.

 

When I told my wife about this she said that as far as she knew Provident only supplied loans. They sell them to people who need them on door to door visits with high interest. This was news to me and so initially it seemed like they might be trying to con me into signing up for a loan (£20 per week on 1 payment and £18 on the other).

 

Anyway, a little more digging yesterday and I found out that the company who supposedly passed Provident the debt are Wescot. I found this out when I spoke to the guy from Provident again and while i was speaking to him i asked who he is telling me I owe money to. He said Provident. I then asked if they were trying to sell me a loan, and if the 2 amounts discussed were total amounts or would have interest added.

 

The response was that the amounts were totals and no interest/charges would be added. He also said it wasn't a loan... it was a plan to get my credit rebuilt and if paid off i could have a loan with them in the future.

 

So, based on the other info in this thread it seems like they do think I should be paying, that its not a [problem] as i first though. My next task is to find out if I still actually owe anything on those accounts, or if they were cleared as i think they were. (Who knows what random charges have been added in the last 5 years to increase the "balances"!)

 

Also, does anyone know what I can do whilst investigating this (i will settle the debt if owed), for other companies i would send them a recorded letter with either statute barred notice (if it applied) or "i do not have a debt with your company" letter to buy some time. Provident dont seem to have an office though... or not that i know of other than their HQ. So if the guy comes back and I give them the letter there is no way to prove i did? Any suggestions. (I live in Scotland)

 

In the mean time i'll be trying to find the paperwork from the original accounts and call to find out the date of last payment and balance at that time.

Link to post
Share on other sites
JGJ

JGJ

Posted
Posted

uiop.

 

You "MUST NOT" deal with people calling at "YOUR" home claiming that you allegedly owe money to them, or any other organisation they claim to represent. Tell them to go away and to contact you only in writing, do not give them any information at your doorstep, especially acknowledging alleged debt.

 

You must check your files etc. to see if there is anything outstanding, when you have done that, then it can be dealt with appropriately with advice and guidance from the site team and caggers.

 

There are plenty of template letters for you to send to them if you check the CAG Library. You must not allow these people to cajole you into thinking you owe money to them. "THEY have to prove to "YOU" that you in fact do owe monies, "YOU" do not have to prove to them you don't.

 

Remember all letters to them to be by at least signed for delivery and DO NOT sign them. Print only.

 

 

"EXEMPLO DUCEMUS"

Link to post
Share on other sites
bsj

bsj

Posted
  • Author
Posted
Theres been nothing in the news re westcot and provident but several threads are mentioning that the provi are collecting on westcots debts, so whether they have "bought" them out or not is debatable, however if the Provi wants to disgrace itself by becomming a DCA thats their look out - the same rules apply to then as to other DCA's No Doorstep collecting

 

 

I have found nothing to substaniate the rumour that wescott have been bought out by them,i think they just got a thing going on.;)

Link to post
Share on other sites
uiop

uiop

Posted
Posted

Thanks JGJ, in terms of writing to them, because its the door to door person that I am dealing with and they wont give me any local address. Do we think that writing to the Head Office is the best course of action?

 

Also, thanks everyone for the info in this thread. I am sure it will help a lot of people as it has myself.

Link to post
Share on other sites
bsj

bsj

Posted
  • Author
Posted
Thanks JGJ, in terms of writing to them, because its the door to door person that I am dealing with and they wont give me any local address. Do we think that writing to the Head Office is the best course of action?

 

Also, thanks everyone for the info in this thread. I am sure it will help a lot of people as it has myself.

 

I sent my letter to head office,may of been the reason the agent was'nt aware of it.

I'm pretty sure it got ignored,but they have'nt got back to me as yet.

 

I had to giggle at a line in your post,'it's a debt repayment plan and if you pay it,you can have a loan in the future from us'.Touting for future buiseness too.

 

With the interest rate they charge,no thanks.

 

Have you complained to TS and OFT?

Link to post
Share on other sites
uiop

uiop

Posted
Posted

 

Have you complained to TS and OFT?

 

Hi, at the moment no. Once I have the full info I will though... i am quite sure that many people would just panic in this situation and sign up. Especially when they throw in the mention of court. That shouldnt be allowed to happen.

Link to post
Share on other sites
JGJ

JGJ

Posted
Posted

uiop,

 

Yes address is,

 

Provident Personal Credit Limited

Colonade

Sunbridge Road

Bradford

West Yorkshire

BD1 2LQ

 

Their in house SOLS.

C.K. Edrupt & co Solicitors

Water Lane

Bradford

West Yorkshire

BD1 2JL

 

"EXEMPLO DUCEMUS"

Link to post
Share on other sites
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3929 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...