Jump to content

Please note that this topic has not had any new posts for the last 1853 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

Hi all


Need a little help after looking at my credit report i have been trying to clean up my mistakes.


I had a old mobile which i fall behind (passed on to lowell)



I phoned the company to make payments to where they said i had a outstanding provident loan

this was new to me as i said to them i have never had a loan from provident.



I ask if they could send me documents of the loan agreement.



Its been a few weeks and to day i had a email stating they have investigated my enquiry,

but are unable to provide and documents.


the email goes on and then ask me to make a payment in full or to call to discuss instalments.


im problem is i can honest say i have never had a provident loan and now dont whats best to do.


i have also notice that my credit report now is showing this up as of the end of jan with a letter Q

(can any one tell me what this means)




Link to post
Share on other sites

why are you paying and ringing a dca?



and have



paying your debts off will not improve your credit rating nor remove

any defaults

they are there for 6yrs regardless.


as for the Q

which CRA provider are you using please?


how long ago did you pay this mobile debt off?

if recent

go do a chargeback on your debit card

and tell the bank to cancel the continuous payment authority too.

sorry but sounds like you got fleeced

and they saw an easy target and tried to further cash cow yo further

as they saw you were an easy target to mug..




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

Never EVER discuss financial issues over the phone, and most certainly NOT with this powerless DCA.


If they ring in future, laugh and hang up.


Keep EVERYTHING in writing.


As DX says, it looks like you're being fleeced blind here, and they've magicked up another debt you know nothing about!?!?!


That tells you everything you need to know about these clowns.

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!



Link to post
Share on other sites

In days of yore when provi doorstepped people offering them loans

they didint bother about proof of indentity so you may well find your name was used by someone else

and even though no other details match up



that has been added to your credit file because you gave Lowells a call about something else

and they have decided to kill 2 birds with 1 stone.


Formal complaint time.



look at old posts on Lowells for address of compliance manager

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

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...