Jump to content

  • Tweets

  • Posts

    • Thanks for your reply dx    no I haven’t moved, in all honestly I don’t think they have sent the NOA, hence why I have asked for proof. It was suspicious on the phone as they couldn’t find the letter and then couldn’t attach it to an email    I have no problem paying the £75 if they prove they sent it.    im disputing the £235 as I don’t think they’ve follow the COVID guidelines either. I’m at work and my sister answered the door who is deemed vulnerable and is shielding. I would have told them that if they done a risk assessment (I believe the ministry of justice require it)    im a little confused with what you mean by the NOA running out? They have told me they sent it on the 14th? 
    • Well, I'm being pedantic but I think they're using the wrong term.   Link to the Money Advice Service on salary sacrifice below. It doesn't sound like what you're doing.   https://www.moneyadviceservice.org.uk/en/articles/salary-sacrifice-schemes   HB
    • can you please refrain from using any hosting sites now please   read our upload guide carefully (esp about using pdfreducer websites) and pop the PDF up here.   can you also rotate the images!!   thank you
    • can't see how you can owe the £235 fee, just because of an error their way that ran the 7 days out because you didn't pay the £75 NOA fee in time. you need to confirm the address the NOA was sent too , thats all. have you moved since the fine was issued?   please be very careful about following advice on some bailiff sites, they can be very misleading at the best of times. if you've not moved, then there can't be any real dispute about not receiving the NOA, letters are deemed received 2 days after posting regardless.   i think you need to get WRITING to the company, offer the £75 . 
    • So after requesting a new SAR this is what we received. Can anyone shed some light on what I could do with these figures?  https://drive.google.com/file/d/1PLDAGPrHWMrmqhiu6CDA3Vxg1w8NYQqI/view?usp=sharing   (There is no sensitive info on this link)  Can anyone Help? 
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 2654 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

They have been sending agents to our doors begging ppl to take out loans with them. That is deffo not a request for a visit.

 

 

Can't wait, I'll have a bucket of "water" waiting in the hallway just in case!

My advice is given based on personal experience and any useful information I've picked up over the years. Always seek professional advice if there's any doubt.

 

<Please feel free to click on the star if you think I've been helpful

Link to post
Share on other sites
  • Replies 138
  • Created
  • Last Reply

Top Posters In This Topic

A full gosunda is much better. ;)

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

On a more serious note - doorstep calls can be embarrassing, intimidating and just plain scary. The proper way to deal with these is availsble via this site on the following link:

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/591-dca-home-visit-if-you-receive-or-are-threatened-with-a-doorstep-visit-

Just print off a few copies of the letter and post through the letterbox as adviced. Then time how fast they retreat at the threat of police attendance.

  • Haha 1
Link to post
Share on other sites

Been a long while since any one tried it, but I'm saving a copy of that letter just in the rare event that they do

My advice is given based on personal experience and any useful information I've picked up over the years. Always seek professional advice if there's any doubt.

 

<Please feel free to click on the star if you think I've been helpful

Link to post
Share on other sites
On a more serious note - doorstep calls can be embarrassing, intimidating and just plain scary. The proper way to deal with these is availsble via this site on the following link:

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/591-dca-home-visit-if-you-receive-or-are-threatened-with-a-doorstep-visit-

Just print off a few copies of the letter and post through the letterbox as adviced. Then time how fast they retreat at the threat of police attendance.

 

Your post sums up just how i felt when the agent called on me,although i stood my ground i got quite nervous and felt terrible,i was shaking as i spoke to him,i was also worried the neighbours would over hear, i'll print some copies off the template,just in case.

 

Thank you for the link.

Link to post
Share on other sites

The letter, is as a direct result of sending them the bog off and no Doorstepping letters and a letter to the OFT.

 

 

"EXEMPLO DUCEMUS"

Link to post
Share on other sites

Provident and wescott obviously thought people would just pay up when confronted on their doorstep.

And not fight back.

 

well done,i like the grovelling apology and they closed the file.

 

Just shows what power we have over them when we stand our ground.

 

They knew they were overstepping the mark.

Link to post
Share on other sites

Congrats! David slew Goliath once more.

 

Would recommend reporting this post to a mod and asking they change the title of the thread to 'Provident doorstep collecting - Won'. This would make it easier for other people in the same situation to find out how to get rid of them.

Link to post
Share on other sites

then another doorstop collection bog off letter would be good then.

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!!'.

Link to post
Share on other sites

sillygirl1,

 

Is that a hand or a foot in the mouth of your avatar??:rolleyes:

 

I don't think you are really getting into the signifigance of the thread. Some of us are fairly savvy as to how to deal with **** bag dcas.;):p

 

 

 

"EXEMPLO DUCEMUS"

Link to post
Share on other sites

my daughter left home and the county ,owing provi, they have tried their hardest to get money out of me !!!! :x but after some choice words and a nice bit of law thrown in .... not even the local agent will speak to me now, and i see her nearly every day at our local shops!!:lol:

Link to post
Share on other sites
sorry forgot to add , that provi sent it to moorcroft!

 

What a lovely surprise :rolleyes:

My advice is given based on personal experience and any useful information I've picked up over the years. Always seek professional advice if there's any doubt.

 

<Please feel free to click on the star if you think I've been helpful

Link to post
Share on other sites

dont u even get a courtey hello or excuse me.

 

My last agent is that polite to me i get a move when i am in her way. On well not my fault she refused to turn up countless times.

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!!'.

Link to post
Share on other sites
  • 1 month later...

a provident agent stated that agents were now required to get payment of old debt from current provi customers, whose details they received from dca's including I believe - moorcroft?? that the debts were in some cases 10 years old but agents were asking customers to pay them along with their own loan from provi.

 

I think this is outrageous intimidation practices, leading customers to think that they will lose the facility already in place as this could be implied and not advising them that the loans are stature barred etc and they need to show a valid agreement as well. some customers are furious, rightly so, and isnt provident yes loans? so no surprise if the tactics match up.

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

Link to post
Share on other sites

doorstep lending weekly collections - if a customer wants to pay by anothe method or monthly??

 

is it part of the agreement, i.e in the agreement that payments are weekly on doorstep?

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

Link to post
Share on other sites

i took out a provi loan a few years back and used to pay it to my mother in law the she would give it to her agent but unfortunately have been so skint over the last 6 months i have not been able to pay they offered me this deal of 0% so i aggread and told them to get the agent to start calling at my address but low and behold i have waited nearly 4 months for an agent to come and get my weekly payments but no one has turned up i am in all day every day waiting for them but they dont come now they have started sending solicitors letters asking how much we earn and how much we pay out (they know what they can do with that)...but how do they expect ppl to pay it when no agent comes to collect or am i missing something here and they have a new telepathic way of paying???

Link to post
Share on other sites

and they will be marking credit file an unpaid....

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

Link to post
Share on other sites

yes,they ask if you want to 'renew' when you get into difficulty, pay off the arrears on the previous loan and start all over again, of course, racking up much more lenghty cycle of debt to them

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

Link to post
Share on other sites

Provident Financial - Annual Report 2008 - Business review - General & specific risks to our business

 

agents stay up to date with customers circumstances blah blah blah

lets face it tactics such as waiting outside your home in the car and grabbing you and going to the cashpoint with you, asking you to pay in the street, saying I know your car, asking you to leave the money with a friend or relative, does this accurately describe the power position agents use to get payments!!??

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

Link to post
Share on other sites

£400 loan, tcc £284, is this extortionate, so nearly £300 pound added, so repay almost £700.

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

Link to post
Share on other sites

Please note that this topic has not had any new posts for the last 2654 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...