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Provident Loan ~ payed me too much, harresment?


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Hi there. I got a provident loan before Christmas for a tumble dryer and paid half off. And though since baby no 2 is on the way I would get a small loan on top and get some decorating materials since my hubby has a week off work. Contacted my advisor he said sure. I can get £300 but use it to pay what I owe and get £120. I was confused about how it all worked but he said he will explain when he comes over. He came Friday and I signed the papers and he gave me £330. I asked was it correct thinking I must of got everything muddled as usual. He said yes see you Monday. Monday is the day I pay our agreed amount of £10:50p. So the Sat and Sun we go and buy loads of decorating materials. Finish off the bathroom and start on our room and got stuff for my daughter's room n baby to be. Monday comes no provident rep turns up. I think maybe his girlfriend who also pregnant (he told me a week ahead if me) so maybe she needed him home or something? Then Tuesday evening at 8pm he rang me telling me he gave me £200 more :( I said how sorry I REALLY am and I would NEVER have spent it. I thought I got the info wrong. I thought he knew what he was doing. I know I messed up. I said I will speak to my hubby as he gets paid in 2weeks and ring him the next day which was Wednesday. Then Wed morning he turned up and asked for the 200 I said again I don't have it and he demanded I tell him what I spent it on. And he wants 50 a week to pay it off. I can't afford 60.50p a week. That's what I would have to pay including the agreed weekly amount. Our weekly working tax credits is 70. I need to buy food, gas and electric. He keeps ringing my phone and said he is coming Friday to pick up money. But I told him I can't but I will give him as much as I possibly can and just buy basic food things for a month or so. so He said he had to pay the 200 out of his pocket so I need to pay him back asap. What can I do??? I can't stand the stress of it and he was mad I can't meet him today but I have my heart monitor fitted. He text and called again whilst I was at the hospital. I text saying I'm busy and I can't ring/text him every day. He said it was comon curtasy for me to call him again today and I should have taken back all the decorating things I got (but have used..) as thats what he would of done. He is coming to my house again tomorrow... I feel so stressed out and stuck

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If he has mucked up its fault.

 

If it were me I would call the local office and tell them whats happening.

 

What does it say in your book?

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  • 1 month later...

Hi,

 

Just a view from the other side (as a agent myself) yes he has made a mistake and he should have double checked everything, but did you not check the agreement you were signing? It should have been £300 (the loan) therefore if you had £330 in your hand then something had gone amiss (especially seeing as you cleared the last loan with the new one). We are self employed, therefore that money that he has over paid you will come out of his own pocket, what I would suggest is calling and offering him an amount you can afford, its a big fear of mine giving someone too much money! Hope you sort it out. :)

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