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Evening All,

 

I've took out a loan with provident a few months ago for £700 to help assist with costs towards my wedding

and was paying them regularly until about 5 weeks

I was taken ill suddenly into hospital where I have had surgery to remove a suspect brain tumour and I am now undergoing treatment.

 

As I have been in hospital, my wife has been working a 40hr week and spending her time visiting me and has totally forgotten about paying them

until receiving a threatening phone call from the "area manager" demanding the money has been paid

 

It has never been our intentions not to pay

however given our circumstances it was put back as a less urgent priority,

as I am undergoing treatment and as such not now being able to work,

we are have had to give notice to our landlord to vacate and are having to move in with my wife's parents to ease the financial burden.

 

I called provident today to explain the situation

however they stated as I've missed payments, they cannot lower the agreed amount as it was our responsibility to notify them(

we agree with this slightly but have asked them to show them a bit of empathy).

 

I apologise if this is in the wrong area however was seeking advice on how I can re-approach provident

as this is worrying my wife no end whilst making my blood boil.

 

Many Thanks

C.G.


"By failing to prepare, you prepare to fail".

 

"Loose lips, sink ships".

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hi CG

 

welcome along

 

 

i've placed your thread in the provi forum

 

plenty of other threads to read here.

 

in the first instance, i'd not use the phone again

you are under no legal obl to discuss ANY debt matters on the phone.

 

write them a letter.

 

give scant details of why you cannot repay the full PCM

 

and make them and offer

 

you might find this info worth adapting....

 

just remember, they never go near a court

and

any DCA has no more powers than you or i.

 

they are not bailiffs.

 

.......................

 

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

.

could you please as a reciprocal goodwill guesture,

.

refrain from levying any penalty charges & freeze the interest on my account.?

.

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

.

.

as your actions would do nothing to help me.

.

i thank you for your time.

..

.

dx

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then write back........

.

.

i'm sorry, but you have failed to assist me during a period of financial difficulty, against all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges & freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

 

dx


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Sorry but as far as im aware provident dont charge penalty fees or any extra interest.

 

When ur agent turns up just pay them what you can afford. Im with provi myself and dont pay full weekly amount i pay what i can afford.

 

You can complain to head office re area manager.

 

Just dont worry pay what u can afford even if its £5 provi wont take u to court as long as u maintain payment.

  • Haha 1

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