Provident V Shufflers Son

[theshuffler]

Here we go with another scrap for my son , this time with provident . He and his wife both have accounts , and owe them so much between them its scary. 2,900 . Silly i know but kids have a lot to learn . Both of them had being making regular payments and ran into diffs some time ago , the collection agent was aware of this and said he wouldnt call for a while , that was around 6 months ago , he never returned. Today they both recieved letters from C K EDRUPT advising them they had been instructed to collect the balance and had untill the 30th of Jan to make payment or to send an offer. This is the first correspondence , should there not of been a Default notice , an letter of assignment sent first ? He has the agreements so will get a look at them soon , am i right in assuming that EDRUPT are inhouse collections? and have they already made a boob by not sending the DN?

[alfwithhair]

Here we go with another scrap for my son , this time with provident . He and his wife both have accounts , and owe them so much between them its scary. 2,900 . Silly i know but kids have a lot to learn . Both of them had being making regular payments and ran into diffs some time ago , the collection agent was aware of this and said he wouldnt call for a while , that was around 6 months ago , he never returned. Today they both recieved letters from C K EDRUPT advising them they had been instructed to collect the balance and had untill the 30th of Jan to make payment or to send an offer. This is the first correspondence , should there not of been a Default notice , an letter of assignment sent first ? He has the agreements so will get a look at them soon , am i right in assuming that EDRUPT are inhouse collections? and have they already made a boob by not sending the DN?

 

C K Edrupt are their in house monkey boy solicitors

They do not have to issue a default notice to pester for the money, but would need to if they choose to take legal action, which is unlikely with Provident as they would not want their extortionate interest rates aired in a public court.

 

The are two option here

offer them a quid a month

or go down the CCA route

[dx100uk]

agreed

 

dx

[theshuffler]

He has the agreements in his house somewhere , so will get a look at them , see if there is any ammunition to be found . If there is i will CCA them anyway, just helps to stall them a bit. I think if they ever went to court they would only get the nominal amount , so perhaps an opportunity to have some fun. Hell i can have a laugh for the price of a few stamps , great value entertainment.