Provident question

trumper

Hi all,
this is my first post so be gentle!
A few days ago I received a letter from the lovely ppl at Provident Personal Credit. Basically, I have a debt with Scotcall, and Provident would like me to take a loan to cover the debt and pay it off. They need me to sign up with them so they can take over the debt from Scotcall. I ignored the letter from Provident, trouble is I'm getting house visits from them. Is this legal/okay? Are Provident debt collecters?? I'm really confused and any help would be appreciated!
Thanks!

bargainbetty

Personally, I would write back to them thanking them for the kind offer, but not only do you refuse the offer of a loan, you are also withdrawing your presumed consent under common law for them to visit your property without prior confirmed appointment.

You could also remind them that it is prohibited by the OFT/FSA to try to force a debtor into taking on more debt to settle an existing one.

Unless authorised by a court, doorstep collectors have less rights than the postman. If they turn up again, tell them to go away. If they refuse to do so, ask for their ID and tell them you will be handing their details to the police when you report them for loitering/intimidation/making the place look untidy etc. They have no rights, and cannot force you to do this.

Good luck x

RAS

provident appear to have started workign as Debt collector. offerign loans to pay off exisitng debts contravenes the OFT debt collection guidelines.

Please understand that they can only visit if you want them to - by prior arrangment with your approval.

Write and tell them no if you do not want them to attend and send regsitered post.