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42 Provident doorstep loans - dismissing IRL claim?

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Hello, i have been helping a friend out who has Provident loans.

He has had for years, so I gather.

 

He has always worked but over the last year in particular is drowning with the debt, whilst paying what he can.

 

Like a idiot last summer he even took 2 loans out with Satsuma to get through

- and since defaulted on these.

Provident hasn't been defaulted to date.

 

I wrote off to Provident for him and complained about irresponsible lending as he's sure loans were paid off by taking new loans in most cases.

 

After a couple of days a letter came back dismissing he's claim and saying since 2006 he had 42 loans although they say since 20 were looked at and as most were over 3 years there's nothing to investigate.They also said they would send a full SAR.

 

I can't find a lot online regarding Provident irresponsible lending and wondering if its worth now complaining to the Ombudsman.

Edited by dx100uk
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Back again...

 

Provident, came back as expected and rejected his complaint and said if your not happy you can complain to FOS....

 

Eventually he received this week all his statements.

I have looked back over the last 6 years only (I assume looking around thats all he can complain about)?

 

In the last 6 years he has had 23 loans,

4 are still active - in arrears -

and the other 19 had all been settled early to take a new loan and it looks as though the amounts of the new loans are higher each time.

He had 42 loans actually over the last 10 years.

 

Whilst i can see people have complained to the FOS

- i can't see any template letters I can amend and use?

Edited by dx100uk
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should be an example in the IRL guide

 

should be an easy win through the fos as this was refinance on refinance...

and I bet each time they took a payment within 14days too

 

just send them everything you have now

might be best to scan the lot to PDF and send them the paperwork all on a cheap penstick


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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