provident loan

PNPSUKNET

isnt bright house cheaper? well than provident

JasX

PNPSUKNET wrote: »

isnt bright house cheaper? well than provident

#

yes but i'm betting more expensive than not getting an unesesscary loan in the first place

Fiddlestick

chiko1uk wrote: »

I find it hurtful and annoying that people make the assumption if u are in debt ect you are "spending too much" it isn't always the case!

Not being funny, but how else do people get into debt if not by spending more money than one has?

Fiddlestick

JasX wrote: »

Has the fridge actually failed? can you get by without refrigeration for 3 weeks like the whole country would have had to do before the 1950's

eg by living off longer life foods for the time and fresh stuff bought every 2-3 days from the supermarket?

if you can't make a small adjustment for a few weeks to avoid shelling out £150 for having the new machines NOW you really must have money to burn, personally i'd be saving myself £150.

There is some good advice there.

It's also a good chance to introduce the kids to cooking from scratch using raw ingredients - kids love stuff like that

Monkeyballs

Actually... If you are defo able to pay in back on the 22nd of July then don't you get the option to cancel your agreement within 4 weeks and just pay back the inital amount borrowed?

I do know that early repayment does bring down the interest charged tho...

Hang on, I'll go look on their website and see if there is anything I can find ;-)

Monkeyballs

Hmmm... Sod's law that I can't find anything on there... I have a Provident loan at the moment and pay monthly, every time my agent visits he has the figures for my account and one of those figures is an early settlement figure.

That said, the people here are right... try and get by for the three weeks. I remember in the past where I've kept food cool in a bucket of cold water before now lol. Most veggies keep for quite a while in just a dark cupboard...

Monkeyballs

Actually, check out Gumtree too... Local sales board, you might be able to get either a cheap second hand one , or even a freebie!!! www.gumtree.co.uk

UNHAPPY_2

chiko1uk wrote: »

Hi

I was wondering if anyone could help, i was looking to take a provident loan out of appr £300, but i would be able to pay it all off on 22nd July, how much interest do you think i'd have to pay back?
or is there another company a bit cheaper/better?

i have very bad credit atm so no-one else can really help!

Borrowing £300 at 545.2% APR* =
Weekly repayment of £19.50
Total to repay £448.50

that comes direct from provident website

providentpersonalcredit.com/home-credit/loan-calculator/

UNHAPPY_2

Fiddlestick wrote: »

Not being funny, but how else do people get into debt if not by spending more money than one has?

by things breaking down or need replacing or by having very young children that cost alot to look after, food, clothes which children seem to out grow faster than you can buy them, child care fees if the parents are working, could be a single mother on low income

so its very easy to spend more than your income

UNHAPPY_2

Monkeyballs wrote: »

Actually... If you are defo able to pay in back on the 22nd of July then don't you get the option to cancel your agreement within 4 weeks and just pay back the inital amount borrowed?

I do know that early repayment does bring down the interest charged tho...

Hang on, I'll go look on their website and see if there is anything I can find ;-)

i think with provident its 7 days