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    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time  click thru to the end  confirm and exit MCOL. . .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]  
    • Could you perhaps use the quote button so as to minimise confusion?  It's difficult to distinguish between what you quote and what you are saying.  (Actually it is quite easy to tell the difference).
    • Name Of Claimant - Lowell   Date of Claim - 11th nov 2019   What is the claim for – the reason they have issued the claim? 1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   What is the total value of the claim? £2247.91   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No I received the PAP twice?   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? NO   Did you inform the claimant of your change of address? NA Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? CREDIT CARD   When did you enter into the original agreement before or after April 2007 ? NO   Do you recall how you entered into the agreement...On line /In branch/By post ? BY PHONE/POST   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? YES   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DEBT HAS BEEN PASSED TO LOWELLS   Were you aware the account had been assigned – did you receive a Notice of Assignment? I CANNOT RECALL   Did you receive a Default Notice from the original creditor? I BELIEVE SO YES   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? NO   Why did you cease payments? LOST MY JOB AND COULDN’T AFFORD PAYMENT/INTERESTS   What was the date of your last payment? APPROX JAN 2015   Was there a dispute with the original creditor that remains unresolved? I asked for the CCA and they sent me a computer printed balance statement   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I believe I contacted them explaining I had lost my job and for a holiday period which they refused. Although I cannot recall 100%   Just to sum up what has happened through this thread: -       defaulted around May 2015 -       2017 lowells got involved, asked for my CCA from OC and SAR. Vanquis, no acknowledgement of the dsar/ sar, they have however sent me their terms and conditons, fact sheets, along with 2 computer print outs of my details. I think they were considering it the CCA. -       lowells sent pap, replied, they sent again, replied again -       Court claim    
    • sorry busy day attached is a large file re clear agreement/ T&C's   is that obscured signature typed or your real sig? Exhibit__Cabot_Vs_Roland.pdf
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kayes81

Provident seeking higher payments from me.

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Ive been making reduced payments to my provident agent, half the usual amount, managed so far, but is now becoming a struggle, each week they try n bully me into making higher payments, like at min im paying 15, they try n say cud ya pay 20, 22 25 n so on

Edited by MARTIN3030

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Just ignor them. Give the 15 and say sign the book then shut the door.


Ash.

 

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Hi, decz,

Read the post with interest..

 

I'll tell you from the start i'm a agent for Greenwoods but don't think just for that reason I'm siding with anyone here,

your agents actions were against everything that Greenwoods/provident teach and preach.

 

Your circumstances are as you say, like many of us, were created and out of your control,

i have may customers in the same boat, and I'm working as an agent to earn because a change of circumstance, pay what u can afford is good advise and any good agent will understand.

 

But please remember that the agents are just out there trying to pay their bills too,

so not answering doors, well its just rude,

but once they know your circumstances they should respect this,

i have many who pay a pound a week, i dont like it, but i do like the fact that they do make the effort.

 

Also ask for the area managers name and number,

call him/her direct as this by passes the head office,

 

this will be someone local to your area, they can talk to the agent as they will see them every week.

 

Most of the advice here is good, it's good to know your rights, hope things improve for you real soon

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Hello Richbob,welcome to the forum.

It is accepted that agents for Provvy and Greenwood are just making a bit of extra cash.

It is good to see your openess,and read your comments.

Provident have their fingers in many pies and have come a long way since they started in the old days.

It is reasonable to think that the buck stops at the top,and that Provident are a party to actions and behaviour of their agents.

I remember some time ago,we had an ex Prov agent here,who revealed that training in matters of CCA DPA and Consumer law was non existant.

In fact if I remember rightly,he told that his training comprised of a couple of hours over 1 day,then he was left to his own devices.

Would you care to tell our members here,what sorts of training is now given,and whether agents are aware of compliance of all the regs ?


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Martin 3030, The training is done over several weeks, and is completed with an online question and answer session covering a wide range of subjects, even down to money laundering, the test is not that easy and takes several visits to complete. The company is also selecting the agents rather than taking anyone that turns up, I was one of six at the initial interview and the other 5 were rejected, there were looking for 3 agents in total. this was Feb this year.

 

I did a lot of research on the company and found a fair bit of poor press on them, but from what i've seen they seem to be trying to do things a little different, time will tell.

 

I've seen some poor notes on the site about the Fresh Starts they offer, they do buy debts and then offer people a way of paying this off weekly, this is offered at a reduced rate and is interest free, so is a fair offer, as long as it is your debt and you can afford to pay, its a good way of getting rid of a debts, but u should only sign up if you can afford the payments, and as an agent I would never cold call to your door, I would always make an appointment first.

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urmm...fresh start

dont think there has been one case on here where the punter actually owed anything.

 

bit of a dodgy one that one RB.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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to date i have delt with 14 Fresh starts, 3 of them the customer said "not mine", 4 said "cant afford to pay" and the other 7 signed up, of the 7, 5 pay on time every time, the other 2 signed up to by more time, they tell me this. As an agent I'm trying to look at it from every point of view, it works for some but not for all..

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so who decided the debt was legally owed?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Have created a thread of your own.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Legally?

Well looks like your trying to goed me into a "all property is theft" type conversation.

most of us know if we have spent the money and we know we owe it back to those that loaned it to us,

of course theres always going to be the exception, extra charges added that you feel are unfair ect, ect.

 

If i call and talk to someoone and they simply say sorry not my dept,

or its in dispiute or anything along those lines the paperwork is returned,

end of contact or conversation with me, this happens now and then,

and as I said,

if they say they cant afford to repay, then again the paperwork is returned.

But I find most people are decent and fair, as long as you treat them well they will respond in the same manner.

 

I came to the site to look at what advise was being given, and was angered by the agents actions to decz,

so decided to see if I could offer some comfort and advise, in that not all agents are gits,

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no not at all rob.

 

what i am saying is, the debts in most cases have been written off against tax by the OC, and, as such, nothng is owed by the debtor anymore.

 

if you are buying old debts on a phishing list for pennies

then charging the debtor full wack, then thats profit

 

morals do not come into it at all here.

 

all you are doing is taking a debt that had a low APR, that you prob dont even have the legal right

nor the papework to enforce it and putting it up to 1000% interest

under your fresh start scheme.

 

sorry thats not right.

 

i suggest you read the threads here on this fresh start thing

 

and try and convince the readers your intentions are good, and not profiteering.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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didn't used to be ,

 

what about your legal rights to supposedly 'collect' on this debt?

 

as you are operating under your DCA wing regarding 'fresh start' loans

 

there are clear guidelines that state credit should not be used to pay 'alleged' outstanding credit.

 

where does providentacting as a DCA get exception from these rules?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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