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Guest alderney1965dk

Me vs Provident Credit & C.K.Edrupt !! HELP PLEASE !!

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Guest alderney1965dk

This is a long one so please bear with me.

 

Last year I took out a loan from Provident Credit as we were in need of some quick money at the time. Anyway all went well, the rep called round once a week to collect the payments then this stopped in November. I had numerous letters from Provident of which I told them that no representative had been in touch either by telephone or mail, they then stated that they would be sending another rep, no one turned up till early this year,after threatning letters from them saying the account was in serious arrears (£202.50). As I was away at the time of the new reps call I could not see them also no telephone number was on the card.

 

I then recieved a couple of other letters basicaly the same as before that the accopunt was in serious arrears and to contact them, this I did, they said they would organize another rep to call to collect payments. No one has been in touch and this morning I recieve a letter from C.K.Edrupt & Co Solicitors serving me with a default notice. I contacted Provident about this and they said because it has gone to the debt collection agency they can no longer deal with it and the onus was on me to contact them.

 

Is there a letter I can send to C.K.Edrupt to explain this or what to do next.

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C.K. Edrupt and Provident are the same company.

 

Registration Number: Z5227544

Date Registered: 07 February 2001 Registration Expires: 06 February 2008

 

Data Controller: PROVIDENT PERSONAL CREDIT LIMITED

 

Address:

COLONNADE

SUNBRIDGE ROAD

BRADFORD

WEST YORKSHIRE

BD1 2LQ

Other Names:

C.K. EDRUPT & CO


Anthrax alert at debt collectors caused by box of doughnuts

 

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Write back and tell them you want a paying in card do not set up a Direct Debit.


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

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Guest alderney1965dk

Thank you for your help, I am currently on benefits (Income Support) and Careers allowance for my sick wife, Would £5.00 per month be acceptable

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It is for you to decide what you can afford, you must take into consideration your 'priority' bills, housing, utilities etc. £5 per month could be more than a judge would order, possibly as low as £1 per month. Do not leave yourself in difficulties.


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Guest alderney1965dk

Thank you £1.00 per month it is then, any idea as to whether there is a letter template I can send advising them of this

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No, I don't believe there is, just put it in your own words, and TELL them that is all you can comfortably afford at this time, when and if, your circumstances improve YOU will decide if you can pay more.

They don't need to see an I&E form.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Guest alderney1965dk

Thanks to everybody's help

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Hi,

 

You might find something in here you could edit to suit............

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Regards.

 

Scott.


 
 

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Hi alderney 1965dk

 

I have had dealing with provident over an account my daughter had, offered to pay £1 amonth which they accepted, and they sent me a payment swipe card to pay it with. Try it they can either accept or decline. Only cost a stamp.:grin:


:welcome::rofl::welcome:

 

 

 

 

 

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:tea:

 

 

 

most of my knowledge is from the school of hard knocks

 

not based on any legal background

 

As quite a lot fellow caggers state seek Legal Advice

 

 

:ranger:

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Guest alderney1965dk

Hi Guys

 

I have recently started a payment plan with C.K.Edrupt who bought my debt off Provident Personal Credit, and I am offering them £1.00 per month as I am only recieving Income Support. They came back with a letter with the following words and I quote"Whilst we note your comments, neither ourselves or a court can possibly determine whether or not your offer of £1.00 per month is reasonable without details of your income & expenditure. We do not consider it unreasonable to request this informationand enclose the form once more.

 

Surely without a court order then cannot have this information, they can ask but surely i do not have to agree to it without the courts say so.

 

Please help!!

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Yes you're right its only a court that can ask for that information.

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They have no right to ask for any personal information at all.

 

Are you sure that Edrupt are entitled to collect the debt?

 

I would just start sending them £1 a month anyway and let them make the next move.

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Guest alderney1965dk

Hi The Cappuccino Kid,

 

Apparently yes they are as I recieved the letter from them after numerous letters from Provident stating that they would pass the information onto a third party debt collection agency (C.K.Edrupt are Providents in-house Collections team) same offices at least.

 

This is also down to a screw up by Provident who stopped calling to my property from November 9th 2009 to collect weekly payments due to there field agent possibly getting the sack and no word was heard from them again till January 2010.

 

So thanks to a b**ls up on Providents behalf I am left with a debt that was not needed and another debt collection agency plaguing me

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Have you made a formal complaint to Provident about this?

If not do so, this is happening quite frequently, a lot of others on here who are having dramas with provident are doing so because the agent's stopped calling at their address.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Guest alderney1965dk

I tried to complain to provy but they said the onus was on me to contact them as the contract states this. I looked through the contract and it does not state this at all, so I told them that I do not have to contact them just because there collectors do not turn up.

 

I don't see why I should put myself out to tell them that there reps are not calling even though the area manager for our area stated that someone would call, they didn't Surprise Surprise,

 

So I am now left with this debt and another debt collection agency.

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Well as you have read the T&C's and it states nothing of the sort, TELL them, that you want a copy of their complaints procedure, if they continue to stall, then you will complain to the OFT and TS questioning their fitness to hold a credit licence.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Guest Cartaphilus
C.K.Edrupt

 

Soon as I saw that, as it's Provident ... it reminded me of another word ... that looks alike but begins with a C and ends with a t, though. ;)

 

PS I must refrain from being 'naughty' but just jiggle the letters around and you will hopefully see what I meant soon as I saw it, that other word came to me.

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Hi all

sombody I know where dealing with CCCS concerning a couple of debts, part of thier advice was to send copies Income & Expenditure to the creditors and make a token offer of £1 per cal month. Provident/CKEdrupt accepted said offer, and even sent a swipe card to pay a local shop.

;) (The I&E copy was purely one that had been ran past CCCS) ;)


:welcome::rofl::welcome:

 

 

 

 

 

[sIGPIC][/sIGPIC]

 

 

 

:tea:

 

 

 

most of my knowledge is from the school of hard knocks

 

not based on any legal background

 

As quite a lot fellow caggers state seek Legal Advice

 

 

:ranger:

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Hi all

sombody I know where dealing with CCCS concerning a couple of debts, part of thier advice was to send copies Income & Expenditure to the creditors and make a token offer of £1 per cal month. Provident/CKEdrupt accepted said offer, and even sent a swipe card to pay a local shop.

;) (The I&E copy was purely one that had been ran past CCCS) ;)

 

There is no LEGAL requirement for them to have sight of your I&E, the only time you will ever need to supply an I&E statement, is for a Judge to ascertain your financial circumstances, CCCS advice needs to be taken with a large dose of salt, learning your consumer and Statutory rights is much more beneficial..


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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:p Thank you for the slap on the wrist :oops:

 

:oops:That was before I joined this motely crue :D lol

 

;) lesson learnt it will not need slapping again


:welcome::rofl::welcome:

 

 

 

 

 

[sIGPIC][/sIGPIC]

 

 

 

:tea:

 

 

 

most of my knowledge is from the school of hard knocks

 

not based on any legal background

 

As quite a lot fellow caggers state seek Legal Advice

 

 

:ranger:

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CK EDRUPT cannot refuse your offer of payment,even if after a month you find you can only afford 50p and reduce the payment they CANNOT refuse,they may and probably will sent you snotty letters ,but as long as you stick to your guns they WILL accept,and there is bugger all they can do about it.

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The reply they sent you is cobblers,firstly they go nowhere near the courts to determine the offer,secondly they have no legal right to ask you for your financial details.They will and must accept the offer of £1pm,they CANNOT refuse regardless how many snotty letters they send you. People like this prey upon people who cannot or dare not stand up to them,They soon buckle under when faced with a stubbon punter.

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Just make a direct debit out for £1 p.m .They cannot refuse it no matter what they write to you,they will always bitch about receiving low payments,cos they want the debt paid as soon as poss.SOD EM.They have no legal right to demand a financial statement from you,but if you send one you can always end up with £1 left at the end of the month.

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WO!

Ignore gearjamma advice of paying DD only pay by Standing Order this way you are controlling what goes out of your account and not them.

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