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large provident debt advice needed
Comments
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Cumbrian_Male wrote: »Hi Roxie
I work for Provident.
Firstly regarding the balance discrepancy, check your book for simple subtraction errors. Easiest way is to add up all the payments entered and deduct from the total payable at the top of the page. If it is still out by £400 then I would take photo copies of the book before submitting it to be audited. No additional charges will be added by Provident, unless your account is passed to a DCA to trace your location and collect it, then the additional cost can be added by the DCA as per the terms and conditions.
Regarding payment of your outstanding balance, if you have a genuine change of circumstances the agreeing a reduced payment shouldn't be a problem. However at £20pm on a £2200 balance you are talking 110 months or 11 years 10 months.
Given the above I would suggest you need to look closely at your budget. Pop over to debt free wannabe board and post a statement of affairs. You will get help and advice to maximise your disposable income to repay your creditors. There are members from the CCCS who post and can advise on a Debt Management Program.
You may need to seek professional advice from a free debt counselling source such as CAB CCCS or National debtline. If you have other creditor particularly credit cards then the charges and interest can be crippling if you can't met your minimum payments. Most will freeze charges if you are using one of these sources and a DMP to repay your creditors.
Seek help now dealing with it will relieve the stress.
Oh dear.... makes no wonder her account is out by £400 when you come up with sums like that..... when I went to school 110 months was just over 9 years
Starting weight 17st 4lb - weight now 15st 2lbs
30lb lost of 30lb by June 2012 :j:j:j (80lb overall goal)0 -
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Cumbrian_Male wrote: »Yes well spotted. Obviously had a day.
Lol, only pulling your leg, but obviously shows how easy it is for us all to make mistakes.Starting weight 17st 4lb - weight now 15st 2lbs
30lb lost of 30lb by June 2012 :j:j:j (80lb overall goal)0 -
Very true, we are all only human.I have a cunning plan!
Proud to be dealing with my debts.0
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