Jump to content
  • Tweets

  • Posts

    • Thank you. I’ll sit on my hands, for now! 
    • 29 Farage Garages? or Just the latest of many Johnsons Follies?     "New photos show how the county nicknamed the Garden of England may soon be more accurately described as the nation’s lorry park – thanks to Brexit preparations. The images show the full jaw-dropping magnitude of a scheme (one of 29 such) which will see 27 acres of Kent’s green fields ripped up and concreted over to create a sprawling 2,000-vehicle holding facility for trucks crossing the Channel."   https://www.independent.co.uk/news/uk/home-news/brexit-news-uk-kent-lorry-park-channel-crossing-b1278893.html   From comments: They promised us the easiest deal in history. Frictionless trade. And better jobs for the "forgotten". This is what we get. ... lorry dumps and portaloos that come to symbolize this incompetent callous government.
    • Top paediatricians have written an open letter to government about children going hungry and supporting Marcus Rashford's campaign.   https://www.theguardian.com/society/2020/oct/24/open-letter-from-uk-paediatricians-about-free-school-meals
    • It's not worth appealing because ECP won't listen, unfortunately, plus you can give the impression that if they lean on you, you'll pay them money when you don't need to. The only time we normally advise writing to them is if you get a Letter Before Claim/Action.   Best to say nothing for now and if you do get a LBC, we'll help you to draft something. Have a read around some other parking threads and you'll get an idea of how these people operate.
    • Thank you. Is it worth replying to say why I was there and that I feel it’s a bit disproportionate?   had I known I’d have paid the original £1 but I was so worried about getting into a space without crashing!
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Agent pocketed payments, provi wiped CRa file - now its back under BCW - HELP!!

Please note that this topic has not had any new posts for the last 2359 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

My son has come to me today completely shattered,


BCW have ruined his credit rating with a debt which was wiped out in 2010

from provident due to thier collections agent not making the payments given to her

and taking out fraudulent loans in her customers names.


How can I help him to get his credit file cleared


I know what its like to try and deal with these , but he has always paid his way

and I know he made all the payments on this loan and the balance of 300 odd pound

was totally down to his payments not being credited to his account by the agent.


I did write to BCW for him to explain what had happened

but we had the standard response of we bought the debt in good faith

and our client has confirmed the debt is correct,


his credit file was excelent two months ago but


now since BCW it has gone down to poor as they have updated the records on 23/03/14

showing a default date of 15/11/2009


how can they apply a default that old now without investigating it properly

and dose the default stay 6 years from the later date or the date of the default

this is all so unfair,

but the credit ref agency and BCW work like thiefs together against people.


and lastly how can they apply a default to an account which is clearly in dispute.


Any and all help and advice would be most appreciated.

Link to post
Share on other sites


I suggest a notice of correction with the CRAs for starters.


Write a formal complaint to Provident and demand action.


Write to BCW and demand they place a hold on this while Provi do their stuff.


Was the agent prosecuted? Was there a crime number involved?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

if he has no written proof of wht provi did


then you need to send them an SAR


get all the docs


then send a letter of complaint to the CRA's/BCW


to get it removed.



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... 



Link to post
Share on other sites

showing a default date of 15/11/2009


dose the default stay 6 years from the later date or the date of the default


due to thier collections agent not making the payments given to her




The default will stay for 6 years from the default date, not from when it was applied.


The default will fall off of your sons Credit Reference File on 15/11/2015.


As Silverfox asked in post #2, if this was taken out fraudulently is their a Crime Reference Number or did the Agent get disciplined/sacked or any criminal prosecutions take place?


I take it that the collections agent marked your sons payment book that she received the money?



NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!


If I have helped you, click on the star & say thank you

Link to post
Share on other sites

Hello thank you for your replies,

yes there would be a crime reference number as it turned out to be quite a big case with a good number of the agents clients being effected


the agent actually did go to prison for the offences, and there were a lot of loan accounts that were struck out due to the case.


Stigman the agent was a family friend and we never saw the repayment book

(I know that was stupid and gulible but we had known the agent for years) and


when Provident told us the loan had been wiped off there didnt appear to be any need to chase it,


If I remember Provident at the time tried to collect the repayments they said that were short

but, we were adamant they had been paid in full


it was a loan with a starting balance of £1,800 and they tried to claim that there was £300 odd pound outstanding,

But because provident could not produce a payment book, and there were others with missing payments

they finally agreed to clear the loan, and


I think they put the default on at this time when they were still trying to get some of thier money back,

and later changed the record and removed the default, which is why it has not been shown on my sons file,

untill now with BCW rubbing thier greedy little hands.

Link to post
Share on other sites

dx100uk / silverfox1961

Thank you both for your advice I will be following your suggestions and get those letters off this weekend.

Link to post
Share on other sites

The default will have been placed by Provident originally this company did/does not always report account to the CRAs.



You need to raise a formal complaint with Provident asap this must be fully investigated and responded to within 56 days.



Is there any "written" evidence of the "agreement" to clear the loan?



Also a SAR to Provident may produce some useful documentation.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Letters done also included my local MP He has been good in the past with a complaint against the inland revenue

Link to post
Share on other sites
Letters done also included my local MP He has been good in the past with a complaint against the inland revenue

Well done!!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...