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I am just starting to get my life in order after years of being in massive debt. This site has been invaluable but this is my first post so please be gentle with me.


About 3 years ago I took out a £200 loan with provident (yes I know how stupid that was) and over the next few years I borrowed more and more. I have now started to get back on my feet due and have been trying to pay off all my debts. I asked my agent for an early balance settlement and was told it was just under £3k (Yes I know I was stupid to take it out in the first place) but now I'm in a better position and my credit rating has improved I was able to take a loan out with a sensible apr with my bank and I paid the balance off in full with a cheque. I was finally free of provident!


However, and this is where it gets complicated, about three weeks before I settled my balance I had an issue with my bank because I changed name and address and for some reason they froze my account as they thought there was fraudulent activity and I had a couple of items returned etc including a cheque payable to provident. I asked my agent at the time if it was the only one returned unpaid as the problems with my bank continued for over a week but she said it was just the one cheque. That was back in March. My balance was settled in April. Yesterday I had a letter pushed through my door asking me to phone my local provident office regarding monies owed. I rang them this afternoon and they told me that one of the other cheques I made in March had been returned because the signature didn't match records or something. This meant that my accounts had been reopened and as I haven't paid since April I owe a lot. She said if I pay by tomorrow the full balance it is just under £400 but it I can't pay tomorrow then I'll have to go back to weekly payments and will eventually pay £1300ish.


I am devastated by this as I simply do not have £400 spare. I said I was more than willing to pay for the amount the cheque was (£70) and even a small admin charge but she told me I obviously don't understand and that she would come out to me as I would have to pay. I explained that they must have known the cheque had bounced weeks before they gave me a settlement figure but she said that the cheque has only just come back (I know barclays take a while to process cheques but 8 weeks seems a bit excessive).


She is coming to see me tomorrow or Monday. I'm not trying to get out of what I actually owe and will pay the amount on the cheque but does anyone have any ideas as to what I should say about the rest?



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Seems very unfair, I will try and find some help for you.

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I think your first port of call is to make a complaint to Barclays. If the incorrect information was givenyou by phone they should have (might have) a record of it on your file.



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I think the cheque bouncing aside, I'd be looking for a full SAR request to check all unlawful charges on this account!


I would then be reclaiming all of them with CI and Stat Interest!



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on a bank account....


i think it rather cheeky for provi to do this

they fleece people blind with int rate.


IMHO you should only pay them what you owe [bounced cheque value]


regardless to the 'agent' coming around


you do realise they have NO LEGAL POWERS to demand payment off you.


nor hike up their rates ...


call their bluff.



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... 

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