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My partner and her family have always had loans with Provident, which is collected at her sisters house.


A few weeks ago my partner received a letter stating that she was in arrears by £120 and to pay it immediately to catch up, any problems then to talk to the collector but the main thing was to carry on paying.


The issue they were having was the number of different collectors that kept coming, I think it was about 4 in total that changed every week or so.


She has only missed 1 payment, and she spoke to a doorstep collector who agreed that if she had missed then it is usually caught up the week after - as she wants to clear it as soon as possible. But she is still 1 week behind.


This guy said that because of the different collectors and that their printouts didnt match up with the loan book that is left at her mums, he will arrange to get the arrears written off. Next thing she knows that his manager is at our house trying to sort it out, but in the meantime to continue to pay. He also changed the day back to the Monday even though Provident agreed that they all got collected on a Tuesday. He wanted a payment to be made on her debit or credit card, which my partner declinded.


Another doorstep collector turned up at our house yesterday for the money and she explained that she hadn't been out and can she come back tomorrow when she collects everyone elses. The collector said that her area manager - the on that was out last week that wanted a debit card payment - wasn't bothered about anyone elses, just her payment and that she wasn't supposed to leave until she got the money. He said that if she cannot pay then to take her debit card details and he can take the payment, she also offered to goto the bank for her to take the cash out and then she can change her pin number tomorrow. Obviously she declined both.


As her and the kids were ill, she arranged for her mum to pay and she would pay her back today.


Now when the collector turned up today for everyone elses, she explained something to my partner which she is confused about. Last thing I knew was that her loan book was taken away by this manager.


Has anyone else had problems with Provident and any ideas how to sort this out?


I am tempted to send a letter to Provident head office outlining a complaint of harassment and things not being done even though they were promised. Any idea of a letter to write?

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  • 1 year later...

Has anyone had any dealings with Provident? They are now saying that my partner owes nearly £700 in arrears, even though she has paid it. The statement shows that there are a lot of missed payments and also "Office" payments, which are payments made by a card. My partner has NEVER paid by card.


We found out today that the Area Manager that bullied her a few times 2 years ago was in fact fired around that time and has been done for £40,000 fraud along with another doorstep collector - has anyone got any info about this?


We have sent 2 letters, not recorded delivery, to head office asking them to investigate but to no avail. The current collector, who does seem ok, has said that a reply would be very unlikely.


We are at a loss as to what to do, they have offered that if she pays it off then when it gets down to £100 then they will write the £100 off. Apparently other local clients are not paying as well due to issues with their accounts.


We are at a loss as to what to officially do as there is obviously a serious issue with the collectors around here, but Provident Head Office aren't arsed about what goes on just that nothing is paid.


Obviously with the debt being so much, I am concerned with debt collectors etc.

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Don't worry about debt collectors, a 3 day old new born has more teeth than those goons!


You must know the amount taken out?

And the amount to be paid back and at what rate?


Stick to this and forget any other doorstep collector.

Get onto head office, in writing, and lodge a formal complaint, then exhaust it.

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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You really need to get a letter off to head office for a full investigation.

If as you say only one missed payment then the arrears should be really low and not £700,

Sounds like the collectors where actually collecting for themselves.


I would personally get a letter in to head office,

1: You want a full investigation and audit of your account

2: No more collectors at the door, Refuse until this is sorted out

3: Token payment of £1 per loan via standing order until the investigation is sorted


If you need help with a letter let me know will knock you one up.



Edited by biggeorge
Missed a word out
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  • 3 weeks later...

Hi George


It was all written in a book, but at the time they collected from the sister in law. 2 letters have been sent to Head Office with no reply, the doorstep collector has said that we would be lucky to get a reply. He also said that around the time of the payments going missing, their area manager and another collector was prosecuted for fraud of £40,000. This area manager actually bullied my partner to get payments out of her, including asking for card details. She stood her ground and never gave him them, he also threatened through a door step collector that he would be round to sort her out if she didn't pay anything. This went on whilst I was driving home from work.


I do not understand why, if a collector and area manager got done for £40k fraud, that they are still chasing money when we are disputing payments made at the same time as they were frauding.


I had a quick look but I cannot see anything online regarding the fraud, does anyone know about this?


I was thinking a final letter to Provident, but how can I state the fraud if I cannot find anything publicly about it?

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Don't listen to a single word these doorstep collectors say, it is usually all lies anyway.


This so called 'fraud' isn't anything to do with you or your issue here, so ignore it.


Stick to your issue, have you got evidence you sent head office your complaint?

If not submit another letter of complaint and when you send it, obtain proof of posting which is free from the PO counter.


Customer Relations

Provident Personal Credit

1Godwin Street




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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“Being a successful and sustainable company requires more than just generating strong financial results. At Provident, we believe that our continued success cannot be separated from the responsibilities we have towards our customers, employees and other stakeholders, and to take account of the issues that are relevant to the communities we serve and our wider environmental impacts.


Said:- Peter Crook in an interview, can you believe it!!!!!!!!!!!!!

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