Provident personal Credit sent this CCA in response to my request

[dizzyhead90]

Hi deano if your girlfriend took out the loan both her and the agent are guilty of fraud the agent can sign both part of loan agreement i would write to provident and tell them that you never signed for loan and if they harrass you any more you are going to police and they can check your signature tell them you never signed a request to call form 24hours before loan was issued dont let them bully you tell them you are going to report them to the fininacal ombudsman and the office of fair trading good luck

[Deano7207]

This company are a joke!

 

After numerous correspondences there “only” solution to the problem that they provided was to send an agent round to my home to collect a written statement from myself. Considering I have already stated to them in writing I don’t know anything about it, I failed to see what this would achieve. Also I don’t like the idea of letting one of their blood hounds into my home. I even went all out and provided them with a watermarked signature, in order to show it did not match the one on the CCA they provided.

 

After many letters backwards and forwards basically saying the same thing I got one from the woman I was dealing with, Diane Hargreaves.

 

“Further to your recent letter, as previously explained on a number of occasions, our procedures in any alleged fraud are to conduct a home visit for the purpose of taking a statement and investigating the allegation. As you have declined to arrange this we are unable to take matters further for you.

 

As we are not satisfied that you have been a victim of fraud, due to not being able to verify matters with you in person, we are unable to remove the details from your credit file. This will reflect the fact you took out and failed pay a loan.

 

However, we have taken the view that it will not be financially viable to pursue the outstanding balance any further and intend to close the account.

 

This settlement is dependent on you confirming that you will take no further steps in relation to this matter.

 

Should you wish for this information to be removed from your file, please contact your local police and raise the matter of the alleged fraud with the police and obtain a crime number.

 

They will then get in contact with us directly, however it is likely that they will advise you to follow our procedures and arrange a home visit.

 

Please not that in the event that you are not satisfied with this proposal we reserve the right to reinstate our collection efforts and recover this debt by all available means.”

 

After that, sent them one saying I was unhappy with their response and that I’d prefer them to take me to court as it is not their place to basically call me a liar.

 

Thoughts please?

[dizzyhead90]

hi deano my advice would be to arrange a home visit but tell them you want either their security manager to call with you or the area manager do not accept an ordinary agent also advise them you will have a friend with you when they call and record the conversation but dont tell them that you are recording it. do inform the police and get a crime number but tell them that in the meantime you are dealing with provident and you dont want them to take any action if provident close your case provident will sell it on to a dca and they will more than likely register a default as well. hope this helps dizzyhead

[Deano7207]

Hi Dizzyhead90

 

I have no problem meeting with their representative, infact I offered to meet them in a neutral location, and they refused. I have read a lot about this company and frankly I don’t trust them at all.

 

Also asked them to provide proof of payments, if it was a logbook loan as they claimed, there should have been signatures of mine when the agent collected the money. Again all I got was a crappy print out with dates times and “alleged” payments on the account. No evidence that those payments had been paid by me.

 

I got the last letter from them on the 14th of July 2011 that stated:

 

“Thank you for your further letter.

Having reviewed this matter further with our security team and our legal advisor, I have been advised to inform you of the following.

We feel that we have made a number of attempts to bring this matter to a satisfactory conclusion, however have been unsuccessful.

Our stance has not changed and in order to have this information removed from your credit file, we need to prove that a fraud has taken place. If you do not wish to deal with us directly, we look forward to hearing from either your legal advisor or your local police.

 

Due to the above, we will not be corresponding directly with you any further.”

 

Clearly they don’t want to have to deal with it, as they know they don’t have a leg to stand on. I was tempted to go to the local police station, but I’m not sure what that would do, as i have been advised that they would not act on it.

[dizzyhead90]

hi deano provident dont do logbookloans only cash loans credit cards and shopping vouchers sounds like me like a dishonest agent who let someone sign your name for a loan the police will act on it they have to your signature will be sent away to handwriting experts and then provident will have to listen to you i worked for them and believe me they are nasty and will try to wriggle out of finding out the truth ask them who the agent was or is her/his signature on cca they sent you. i would contact a solicitor and take all correspondence you have to him also contact fos and ask them to investigate provi wont like that