Problems paying Provident, now have delayed Default

sulkisu

swfblade wrote: »

Thanks for your excellent advice about my issue. These are really good forums. Wow, I clearly enjoy yanking planks. :rolleyes: No I obviously cant read. :rolleyes: not sure where £60 came from? Booking appointments with what you have stated is indeed very difficult for me. I fail to see what my post times have to do with anything.

Any chance anyone can actually answer my original question about the Default Notice? I dont want to discuss my working hours, post times, my choices with not giving out my card details over the phone, how rich/poor I am or how good the education service is in this country. I came on here distressed about getting a default notice about something I am paying and wanted some advice, but this thread has done wonders for my health.

I have got a response from Provvy and, despite what you guys think, I am paying. (God knows why you think I wont). Not sure why you guys are so hostile on here but heyho. Please STOP accusing me of things. Its my debt, my choice and I am paying it.

Please, again, if anyone can offer advice with my Default Notice issue, I would be most grateful.

Then we can all go down the pub and accuse me of whatever we want.:beer:

The default notice is served because you haven't made payments - the reasons why payments have not been made are irrelevant. As you have the money to pay them, why not just phone them, arrange a day/time for them to visit and pay them off? Problem solved. The time that you are spending debating the ins and outs of the situation (e.g. who is to blame, why have they used your old address etc etc) is just time wasted and the longer it goes, the greater the impact on your credit. Provident will probably be able to visit within a day or two, so why not just call them. It can all be over by the weekend - as another poster said, it's not difficult.

Enfieldian

A call to the telephone number that another poster supplied would have been answered at 9.56 this morning. Appointment/Visit arranged and problem solved......

Oh sorry, you were too busy at work......... Posting on here!

swfblade

I'm obviously not very good at getting my point across.

I can use internet at work not phone. I have tried repeatedly to get in touch with the agent via text and email during work (At their request) and via phone to their mobile when I can. I could never get an answer except once, a text back saying call at a certain time, which I was unable to do. I told them that and got no response back.

Whether you find it wierd that I can use the internet but not phone or not isn't an issue for me, its the fact.

I have been touch with the head office via email and am in the process of arranging some form of payment. But thats separeate to the Default Notice.

Why are you guys on here so suspicious of me? And why so angry?

If I have to accept that I am getting a default, well so be it, but to accuse me of all sorts, claim I am now lying about my income etc isn't really being helpful.

In conclusion, really all I was after was some advice about the default notice. If it's their to stay, its thier to stay. Would have been easier for someone to just say that, rather than say all the personal things that have been said.

I am not lying about any of this. It is all true. If you guys who insist I am a Liar PM me, I will prove to you who I am and who I work for etc. Obviously not putting that on an open forum tho. If you dont but still dont believe me, well fair enough thats your right. If you dont contact me, please try to be less suspicious in the future.

Cumbrian_Male

swfblade wrote: »

I did question them about this when it suddenly appeared on my credit report about 6 months ago, out of the blue. They said that it was now standard proceedure for it to go on there, but wonder why it wasn;t previosuly?

It was the OFT enquiry into home collected credit that brought about the legal requirement for home collected credit companies to report the accounts to credit reference agencies. This has been in force for over 12 months now.

stclair

Why dont you send them a cheque for the amount owed.

Customer Relations
Provident Personal Credit
Colonnade
Sunbridge Road
Bradford
BD1 2LQ

If you are unable to pay via debit card over the phone.

There open 8-8 Mon to Friday you could call free from a landline or phone box.

wayne99

You could always offer to clear the debt in full in exchange for the removal of the default notice, they can only say no... imo its worth a try .....

If you ever have issues like this in the future i would suggest that each payment that is missed is put to one side for example in a savings account, and when you are able to pay you would be able to clear the missed payments as you will have the funds to do so.

I would make a post on this thread: http://forums.moneysavingexpert.com/showthread.html?t=2060575

never-in-doubt is very good when it comes to default notices he may be able to offer some viable advice.

I wouldnt get offended by other peoples comments on here, they are 100% correct, if you had tried as hard as you could to pay this debt then you would not be in the position you are in now, if you post on a public forum expect to get mixed replies, and because they are not the replies you wanted that doesnt mean they are un-helpfull in any way shape or form its is mearly opinions and truth.

good luck.

elfen

The default notice - you missed payments, through whoever's fault (not just yours, not just theirs) so they are allowed to issue a default notice to allow other lenders to see how good/bad you are at paying back money you owe (kinda like a red card, except you're not sent off, your credit record is marked)

Depending on how old the default is, you may be able to persuade them to take the default off for full payment of the debt. On this, all you can do is send them a letter (recorded delivery of course) letting them know that if you make payment in full, would they consider removing the default. Of course, they are well within their rights to say no, and ask for payment. It would probably take less than 5 minutes (do it on your commute on hands free if you drive?) and they are only allowed to take that amount out (if they take any more, you inform the bank to do a chargeback) Don't worry about your card, realistically what do you REALLY think they're going to do? Steal all your money when they would risk a fine or losing their license for bad practise - especially when they're getting loadsa interest from all the people who desperately need money - I doubt it.

And yes, to many it does look like you are trying to NOT pay. And the form you signed would be a valid CCA, with your signature, the term of the loan, the repayment amount and date of collection, AND the interest.

Nomorechocolate

swfblade wrote: »

Maybe I'm also a bit too proffesional with some things, but found the way that the agent setup the credit agreement a little wierd. I'm not going into details, as obviously I'll get accused of things again, but I had hardly signed the bit of paper before I was handed my £1000 loan, less the first payment.

The 1974 regulations on home collected credit agreements require that you have a period in which there is a right to cancel. For this reason, the first payment must not be made until 7 days after the agreement is signed and the loan issued, because otherwise you would be unable to exercise that right. Your agreement, payment book, and confirmation letter will state this. If the first payment can be PROVEN to have been taken by the agent at the time the loan was issued, then the agreement was non-compliant and possibly unenforceable. Ask to speak to the security team at Provident, and mention Trading Standards.

Best wishes

cos_2

Nomorechocolate - I guess you work for Trading Standards

Good post, as I was also wondering that taking the first payment from the initial loan seemed a bit bizarre. You've explained why: thanks for that.

I also appreciate that you've simply provided some direct information and advice with no comment on the OP's 'hidden agenda'.

Nice one