Provident I just Can't Afford To Pay

seven-day-weekend

Perhaps it's me ...but why should anyone have a loan to get the kids pressies? If you are that broke, surely the kids could have home-made ones or go without?

I'm not trying to be argumentative, but to think that you are doing someone a favour by giving them loans for kids' presents is not on. It's even more sad that THEY think you are doing them a favour.

margaretclare

seven-day-weekend wrote: »

Perhaps it's me ...but why should anyone have a loan to get the kids pressies? If you are that broke, surely the kids could have home-made ones or go without?

I'm not trying to be argumentative, but to think that you are doing someone a favour by giving them loans for kids' presents is not on. It's even more sad that THEY think you are doing them a favour.

I agree with you, 7DWE, but apparently presents at Christmas are a 'must have' for children, even if parents spend all year up to next Christmas paying for them! Modern children will not tolerate home-made presents, second-hand items or - spare us! - go without! They won't!

I have seen this kind of comment before following the collapse of the Park Hampers scheme. The way those parents were talking, Christmas might as well have been cancelled because they were unable to 'give the kids a good Christmas' which means lots of food and lots of toys.

Being at the bottom....I have been there, more than once in my lifetime. 'The bottom' was where I actually started, you could say, as a newborn baby, and there have been crises and disasters since then. I am the last person to 'look down' on anybody and I have had expensive loans at different times before I knew better. I agree with 7DWE though. I'd never take out any kind of a loan just to buy Christmas presents. That's not what Christmas is all about, in my book anyway.

Margaret

carolwat

freejack2k wrote: »

does the person who signed the agreement 4 weeks ago not understand what they were signing? yes they did and they knew they could not pay it so i would say its a case of pot and kettle

I do love the way the words "ive never been that desperate" is chucked round in this thread. Do you realise how insulting it is for people who have to use provident? yes i work for them but i also care about my customers, all ive done in this thread is try and offer helpful advice for people who have got themselves in too deep and all i get in return is people taking cheap shots trying to make themselves look good. Makes me wonder why i bothered although if my advice helps anyone then it was worth it.

I am an agent for Provident but havnt bothered trying to help the OP as when I have done in the past I have been slated and called some very nasty things. I have a very good relationship with my customers and try to help them in whatever way I can. This does not include ripping them off. Anyone taking a loan knows all the charges upfront.

freejack2k

Before i start world war 3 im not having a go at individuals im questioning attitudes. Yes we are a high interest company and as i have said before i dont agree with everything we do but everyone get caught up in apr's. I have people who i class as good customers and some as friends, some of them miss payments quite often due to a big bill coming in or car breaking down ect now we dont charge them any more interest than they have already been charged up front, we dont charge them a missed payment fee or anything. Ive got one guy who is really upfront with me and tells me he knows he will have to miss payments through the year and thats why he uses us as if he used a bank it would cost him more in charges and penalty interest ect than he pays us in interest. Where i feel we arent fair as a company is to the people who pay their loans week in week out and still have to pay the high charges, i and most people on my level who work for provident feel we should reduce the charges for them but unfortunately that decision is made way above our level of management. I hope i haven't caused offence to anyone, i guess when you see people calling the company you work for every name under the sun you feel they are calling you the same. A lot of people would be surprised just how much local managers and agents actually worry about their customers. Ive told plenty of customers they cant have loans for their own good....and some have called me every name under the sun for my trouble but thats the way it goes. If Provident werent there than the floodgates would be opened for real loan sharks to start operating and thats why the goverment wont shut us down because they have nothing to put in our place for the people who use us.
Anyways peace all and i have no hard feelings towards anyone

carolwat

freejack2k wrote: »

Before i start world war 3 im not having a go at individuals im questioning attitudes. Yes we are a high interest company and as i have said before i dont agree with everything we do but everyone get caught up in apr's. I have people who i class as good customers and some as friends, some of them miss payments quite often due to a big bill coming in or car breaking down ect now we dont charge them any more interest than they have already been charged up front, we dont charge them a missed payment fee or anything. Ive got one guy who is really upfront with me and tells me he knows he will have to miss payments through the year and thats why he uses us as if he used a bank it would cost him more in charges and penalty interest ect than he pays us in interest. Where i feel we arent fair as a company is to the people who pay their loans week in week out and still have to pay the high charges, i and most people on my level who work for provident feel we should reduce the charges for them but unfortunately that decision is made way above our level of management. I hope i haven't caused offence to anyone, i guess when you see people calling the company you work for every name under the sun you feel they are calling you the same. A lot of people would be surprised just how much local managers and agents actually worry about their customers. Ive told plenty of customers they cant have loans for their own good....and some have called me every name under the sun for my trouble but thats the way it goes. If Provident werent there than the floodgates would be opened for real loan sharks to start operating and thats why the goverment wont shut us down because they have nothing to put in our place for the people who use us.
Anyways peace all and i have no hard feelings towards anyone

There will always be someone on here to jump on you simply because of who we work for. I have learned to ignore them because those same people are usually the ones who have never used provident or have the wrong information and dont know the facts. The people on here who are current customers or who have been in the past tend to have good things to say. No matter what you say someone will tell you how evil you are

I remember one poor lady who was slated for posting she was thinking about becoming an agent. People who dont know me call me names on here. I would like those people to go and meet my customers who will tell them I dont rip them off and infact like you have said above, I have also said no to loans when I know customers cant really afford them. We do what we can and for some it just isnt good enough. Thankfully 95% of our customer are happy with us or whatever it says on the poster

I dont know which area you are in but we could do with you in ours

Carol

aaroncaz

margaretclare wrote: »

I agree with you, 7DWE, but apparently presents at Christmas are a 'must have' for children, even if parents spend all year up to next Christmas paying for them! Modern children will not tolerate home-made presents, second-hand items or - spare us! - go without! They won't!

I have seen this kind of comment before following the collapse of the Park Hampers scheme. The way those parents were talking, Christmas might as well have been cancelled because they were unable to 'give the kids a good Christmas' which means lots of food and lots of toys.

Being at the bottom....I have been there, more than once in my lifetime. 'The bottom' was where I actually started, you could say, as a newborn baby, and there have been crises and disasters since then. I am the last person to 'look down' on anybody and I have had expensive loans at different times before I knew better. I agree with 7DWE though. I'd never take out any kind of a loan just to buy Christmas presents. That's not what Christmas is all about, in my book anyway.

Margaret

I agree to a certain extent, i probally buy too much for my son, i shall be more careful next xmas, but not to buy anything, when a child is expecting something is hard, i know its the day and age we live in etc.... but a little boy doesn't understand that.

carolwat

aaroncaz I dare say that Margaret probably hasnt ever been in the position of telling her kids there isnt a present for them.

astonsmummy

I dunno why people slate provvy agents, I've had a loan off provident, i got it when my washing machine broke down, i paid up and didnt get pressured into getting a new one.
As someone living on benfits at the time it really helped.

carolwat

astonsmummy wrote: »

I dunno why people slate provvy agents, I've had a loan off provident, i got it when my washing machine broke down, i paid up and didnt get pressured into getting a new one.
As someone living on benfits at the time it really helped.

Thank you for your comments. Like I said earlier, customers tend to be happy with the service they receive and thats what matters.

Carol

seven-day-weekend

carolwat wrote: »

aaroncaz I dare say that Margaret probably hasnt ever been in the position of telling her kids there isnt a present for them.

I've been in the position where I couldn't afford them, so we did what we could with what we'd got. I have explained to my son in the past that we just had not got enough money but that we'd all have a good christmas anyway. He was fine with that.