Jump to content


  • Tweets

  • Posts

    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • The clock is ticking for savings providers. They now have just a few weeks left to get their act together and start offering loyal customers a good deal.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
  • Recommended Topics

Can I stop a door step collection


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5310 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

Hi,

I hope someone can please help me & I appologise if this is in the wrong thread, sorry.

 

My wife has received a letter today from Provident personal credit. The letter is asking for £532.50 & says it offers a "fresh start", although originally the loan was with a company called Greenwood personal credit, this letter is from Provident.

The letter states that a "friendly local agent" will come to our home in the next few days. Obviously we are worried about what will happen. The loan was originally taken out about 7 or 8 years ago and to be honest we had forgot about it as we have heard nothing from them until now.

 

The loan had extreemly high APR but at the time we where desperate to find money to live on due to my business going bust & we had nothing at all to live on, I was declared bankrupt a few weeks later.

 

My question is .....

Is there a law that I can quote to the collector, or letter template that I can hand to the collector when he / she comes to our home as I am desperate for them to leave us alone ?.

 

If we are out and our 16 year old daughter is at home when they call, can she simpley hand a typed letter to the collector and basically say "sorry but I'm closing the door" ?.

 

I would rather write, fax or e mail a letter too them but there isn't an address on the letter for me to write too.

 

Our life is a struggle as it is. I am disabled with Multiple Sclerosis & Bi Polar disorder and my wife in poor health. She has recently come out of hospital after having surgery and has to endure more surgery at the begining of November. I would rather Provident take my wife to County Court so she can be treated fairly. We do not have enough money to declare her bankrupt.

 

Thanks,

 

Matt

Link to post
Share on other sites

  • Replies 77
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

when was the last time you acknowledged the debt by a payment or in writing

 

Hi, thank you for reading my letter. As far as I am aware we have never spoken or agreed to anything with them. It appears that after reading the letter again that the debt has been sold to a different company.

 

The opening line of the letter that my wife received says ....

 

On 12th Oct 2009 BCW Group appointed Provident Personel Credit to collect your outstanding Greenwood Personel credit debt. A friendly local agent will call to your home to discuss repayment options with you.

 

We could help you pay less

 

We understand that there may be many reasons why you have been unable to make repayments with BCW Group in the past and if you cannot pay the full amount now, we may be able to help.

 

The Blue writing above is an exact copy of the wording in the letter that we have received.

 

The letter then goes on about how regular payments will improve her credit score & that a future Provident loan should be available in the future, not that we ever intend to get involved with this company for a loan.

 

Look forward to any advise that you may be able to offer.

 

Thanks

Link to post
Share on other sites

have a read and send them this

 

looking at other threads, it seems providant are getting into the dca business

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/599-letter-sent-when-debt-is-statute-barred

 

 

Thank you. I'll copy the contents of the template letter but unfortunatly there are no contact details for written correspondence other than a phone number. I'm worried that if we phone them we will be talked into payment promises that we cannot afford.

 

I really do appreciate you taking the time to help me.

Thank you.

Link to post
Share on other sites

Moving thread into the Debt Forum.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

LINKS....

 

Forum Rules.

FAQs....

Link to post
Share on other sites

this is difficult to understand but i'll guess..

you have a loan running with greenwood, but have fallen on hard times and now provident want to take on paying that loan off for a new loan with them?

 

if this is so they are acting illegally, they should NEVER suggest paying of credit with more credit, report them to the FOS/FSA.

 

if this is a debt/loan you know nothing about then ignore them.

 

is my guess correct??

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Greenwood Personal Credit is part of the Provident Financial group of companies.

 

ya know what, i was thinking that. seem to remember that name from my past 15yrs ago.

 

nice way of acting then. hey you cant pay this loan, but we'll give you another oh ! thats 2500% int too!! int compound on int!

 

hope my guess is wrong though.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

ya know what, i was thinking that. seem to remember that name from my past 15yrs ago.

 

nice way of acting then. hey you cant pay this loan, but we'll give you another oh ! thats 2500% int too!! int compound on int!

 

hope my guess is wrong though.

 

dx

 

20+ years ago for me ;)

 

Your guess is far from wrong I'm afraid, A loan is what will be offered.

Hopefully one day all dca's will be history

Link to post
Share on other sites

The number is 0800 916 6346 it says call and quote "fresh start"

 

can we confirm you have an outstanding loan going?

or is this the first you have heard of this 'debt'?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

ya know what, i was thinking that. seem to remember that name from my past 15yrs ago.

 

nice way of acting then. hey you cant pay this loan, but we'll give you another oh ! thats 2500% int too!! int compound on int!

 

hope my guess is wrong though.

 

dx

 

As daft as it sounds, the letter does say that if a proven payment plan is adhered too that we (Provident) may be able to consider us for future credit. At their interest rates they can clear off. The loan was taken out we think in 2001 and at a time in our lives when nothing seemed to be going right. From memory, we have not paid anything since 2002.

Link to post
Share on other sites

can we confirm you have an outstanding loan going?

or is this the first you have heard of this 'debt'?

 

dx

 

It was a loan that was taken out in about 2001 or early 2002 but we quickly fell behind with payments and we both think that nothing has been paid or aggreed for about 7 years.

Link to post
Share on other sites

well send the statute barred letter by recorded delievery

 

print some off and if any body does knock on your door

 

ram it under there nose

 

 

Thanks. Unfortunatly no address is shown anywhere on the letter, only a phone number which I'm going to ignore. I'll print off the Statute Barred letter and address it too Provident Personal Care. I'll ensure the "freindly" door step collector gets a copy.

 

As you all know, Provident must have the legally highest interest charge in Britain. I've just noticed the logo on their letter says....

Credit Today awards 09 5 star winner. Home credit provider of the year...

I presume this must be a competition that is run by their own group of companies.

 

Thanks again for all of your help.

Link to post
Share on other sites

actually i wonder if this is a crafty way of getting new business?

they have looked in their old Co. records and have seen you had a loan......

tough its statute barred though.....

 

i wonder if they are rgistered as a dca now too..can anyone look 'em up?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...