provident agents [TEXT DELETED BY FORUM TEAM]

angryagent

angryagent wrote: »

my dm has been to one of my customers recentley and issued a loan which i would not have given as the customers track record is not good.i have since had two fines as this customer has not paid for several weeks .

so yes my dm does compromise the self employed rules.

YOUR_A_JOKE_PROVI

Provident doorstepped

By Nick Sommerlad on May 4, 2011 3:21 PM in Debts and loans

We've heard from dozens of furious Provident agents since we reported changes to the commission structure that's left many of them out of pocket.
At today's annual general meeting, bosses of the doorstep lender were doorstepped themselves by Alan Thornton, campaigns officer of Church Action on Poverty.
They insisted that most agents are happy with the changes that have left them, overall, "slightly better off".
We revealed last month that doorstep lender Provident is increasing the financial penalties on self-employed agents when borrowers fall behind on their repayments. It's feared Provident is attempting to pass the risks of the business on to agents as household income falls.


Provident makes much of the fact that borrowers don't pay more if they pay late. The firm charges interest of up to 1068% to the UK's poorest people who can't get cheaper credit from mainstream lenders.
Our comments board is full of agents threatening to quit or discussing a walk-out.
But at today's AGM Chris Gillespie, head of the Consumer Credit Division, said that only a "small number" of agents were unhappy and that most were "overwhelmingly in favour of the changes".
He added that "in fact commissions have gone up" and the new system "creates and opportunities not negatives".
Despite the complaints we've been hearing, shareholders were told that "on balance slightly agents are slightly better off", while employees have had a 3.4% pay rise.
Robert Hough, chair of remuneration committee, defended the 82% pay rise for chief exec Peter Crook insisting the "market dictates" that Provident pays top wages for senior staff.
Alan had this to say after the meeting: "If a company that advertises an APR of 1068% is going to continue to charge low-income households extortionate amounts for credit then we should try to make the business a bit less socially irresponsible.
"The bosses shouldn't be profiting unfairly from the hard work of their thousands of low paid workers. It is strange indeed that the company is top rated by the FTSE4Good index given their core business."
Are you a Provident agent? Are you "slightly better off"?

YOUR_A_JOKE_PROVI

Employment status: basic checks to help you decide

You can usually work out your employment status by asking a few straightforward questions.
You are probably self-employed if you:

• run your own business and take responsibility for its success or failure
• have several customers at the same time
• can decide how, when and where you do your work
• are free to hire other people to do the work for you or help you at your own expense
• provide the main items of equipment to do your work

You are probably employed if you:

• have to do the work yourself
• work for one person at a time, who is in charge of what you do and takes on the risks of the business
• can be told how, when and where you do your work
• have to work a set amount of hours
• are paid a regular amount according to the hours you work, and get paid for working overtime - even if you do casual or part-time work, you can still be employed

You can also be employed and self-employed at the same time, perhaps by working for an employer during the day and running your own business in the evenings. Think about each contract separately - you may find that you are self-employed for one but employed for another.
There's no legal definition of employment or self-employment, so if there's doubt about someone's employment status the decision is made by referring to previous judgments - known as 'case law'. Whether you are employed or self-employed depends upon the facts of your working arrangements, what your contract says, or a combination of both.

Joshua_W

bashtheagents wrote: »

WRONG !! if a customer phones requesting a loan on a non collect day the DM will not compromise self employed status by doing the issue

That's good to know.

Any of my customers requesting a mid-week loan I can give them my DM's mobile number.

Also thank you for confirming that Agents only work on a set number of days, I assume you have a list of all Agents actual working days.

Joshua_W

I think Mr. Gillespie speaks with a forked tongue.

Joshua_W

bashtheagents wrote: »

Depends on your grade , i think they start on about 13k

Note, Development Managers salary starts at £13,000.

Provident needs you, apply today!

Oh, you're better off on the dole... never mind.

Joshua_W

27.000 + views, Daily Mirror, the adverse publicity to Provident, Agents now hate the company they work for...

Whoever thought this system up.. well done.

Pay your Agents what they are worth, don't rob them. Without us Agents you have nothing.

demoralised

YOUR_A_JOKE_PROVI wrote: »

Provident doorstepped


They insisted that most agents are happy with the changes that have left them, overall, "slightly better off".

But at today's AGM Chris Gillespie, head of the Consumer Credit Division, said that only a "small number" of agents were unhappy and that most were "overwhelmingly in favour of the changes".
He added that "in fact commissions have gone up" and the new system "creates and opportunities not negatives".
Are you a Provident agent? Are you "slightly better off"?

Who are these majority who are better off, yes in the short term some may make moderate gains but dont they realise the only way to go is down, after the first few weeks you can only get back what has been taken in the first place so provident are only given back to you your own money. I still think we have more chance of modifying this than getting it reversed as I have stated before I can just about except it if it is something I should have controled more, but deaths, transfers,dm issue {including when office insists you do it even though you protest} canvass, customers who svc ok and then a few weeks later clip shows previous write off, and any customer who's finances change ie through unemployment or sickness etc and are given a waiver should be exempt.On the point about seeing a solicitor an emplyment one cannot help us we need to contact a contract solicitor due to our unemployed status.

readytoquit

Just read the new article by the Daily Mirror. Posted by "your a joke provi". (Thanku)
You can go to the link and comment to the Daily Mirror , they are asking for our views !!
Good luck everyone with your " wages" today !!

Nephthys50

I find it very difficult, impossible in fact, to find any sympathy at all for people who exploit the vulnerable. You were all happy to do this until you got treated the same way.

Given the way your customers are treated how did you expect to be treated as employees?

Karma imho.