Dro & provident. Not taking no for an answer

Kt13

Sorted Dro, all in place now. I'm 5 weeks behind with provident. Just shown her the order and said no more payments etc, agent did not like it at all, I received a mouthful of abuse and she then walked off.


Now receiving text messages from her, threatening legal action! Am I right in saying they can't do this as they are listed, and I should not be receiving messages of harassment? Sorry, this is only day 2!


Creditors that are listed on there cannot pursue can they, or be abusive. They just wont take no for an answer. It's intimidating having someone like that on your doorstep, and little ones next to you.

fatbelly

Sounds like an agent in need of some 'training'

Give customer services a ring on 01274 351921 and ask them to contact her

stoobydoo2002

My mother is a provident agent so speaking from experience the office do not like receiving news that a customer has a DRO......They even threatened her with the sack because she lived in a house with someone that has a DRO...........She had to persuade them that she knew nothing about it!

Anyway even after I got the DRO her boss tried to convince her to persuade me to continue paying the debt off even though I was in the DRO, she was in quite a difficult position however she sided with me as I hoped she would lol and her boss was so !!!!ed!!!

I guess with the agents because they are self employed it means that anyone who wipes their debt means they have lost a customer, which means less commission, leading to lower wages in the present and the future........

I guess it depends on who it is though, I have yet to experience an unpleasant provident agent so I guess I'm lucky

Lucy5781

If I had someone behaving like that in person with me over my DRO I'd actually consider the Police purely for the verbal intimidation. Don't want to sound drastic but no one should be in your face or harassing you via text like that.

And no, they can't take up things with you legally or make you pay anything. They can continue contact, i.e. supply statements though.

Thankfully I've only have letters and routine phone calls who have left me alone after I've supplied the DRO number to them.

Hope things improve for you.

National_Debtline

Kt13 wrote: »

Sorted Dro, all in place now. I'm 5 weeks behind with provident. Just shown her the order and said no more payments etc, agent did not like it at all, I received a mouthful of abuse and she then walked off.


Now receiving text messages from her, threatening legal action! Am I right in saying they can't do this as they are listed, and I should not be receiving messages of harassment? Sorry, this is only day 2!


Creditors that are listed on there cannot pursue can they, or be abusive. They just wont take no for an answer. It's intimidating having someone like that on your doorstep, and little ones next to you.

Hi there

Sorry to hear about this. It does, however, give me an excuse to quote the following excerpt from the brand new Consumer Credit sourcebook:

Enforcement of debts


CONC 7.3.16
01/04/2014
FCA

A firm should not take steps to enforce a debt if it is aware that the customer is subject to a bankruptcy order (or in Scotland where sequestration is awarded in relation to the customer), a debt relief order or an individual voluntary arrangement (or, in Scotland, a protected trust deed or a Debt Arrangement Scheme).

B]Note[/B]: paragraph 3.9h of [/I][URL="http://fshandbook.info/FS/glossary-html/handbook/Glossary/D?definition=G3315"][COLOR=#0066cc][I]DCG[/I][/COLOR][/URL][I


This agent may not be happy about the loss of an account, but that is no excuse for her flouting the rules. Report the matter promptly.

Regards

Dennis @NDL

jeanm_2

Sounds like an agent with a manager bending their ear to get results.
As an agent myself, I was told when I started that any customer who informs me they have been to CAB or are dealing with a DMP/DRO, then I have to tell them that I can no longer call. Some ask if they can keep their Provident debt separate as a way of keeping a line of credit open but I say they should include all debts. I do usually point them in the direction of the non-fee charging debt management companies. My only further contact with them would be to ask them for a name and reference number of the company dealing with their debt so that I can pass it on to my manager. after that, we just wait for the reduced payments to be paid directly. It usually takes longer to arrange than the customer remains on an agent's books so it tends to disappear from ours and is paid direct to Provident. So most of the time, we don't know how it turned out.
Although I recently received a message from a customer who said she has just signed up with a fee paying company. I had no idea as she had never missed a payment in 6 years. The following week, she phoned me and said they have dropped the company. She hadn't realised it was a debt management plan. This sales guy phoned and talked them into it, saying he could save them money each month. Obviously, as a loan, the figures he spouted were brilliant. But they weren't in financial trouble, just somebody said they could save them £150 month! It wasn't until the paperwork arrived that they realised how it would affect their credit.
I have always tried to arrange reduced payments to help people through sticky patches when needed. I have a few customers paying £1 week and I go every week to collect it quite happily chatting to these customer the same way as any other.
Any Provident customers struggling with changes to income should contact their agent or the company direct. I know it is hard and I have had some who didn't answer the door for weeks because they didn't know what to say. Well, I only get paid on what I collect so, from my point of view, if a customer is having issues and can't pay, I would rather know on my first knock, saves coming back thinking they just aren't home.

[Deleted User]

stoobydoo2002 wrote: »

I guess with the agents because they are self employed it means that anyone who wipes their debt means they have lost a customer, which means less commission, leading to lower wages in the present and the future........

According to my local agent, they are losing customers left, right and centre.

The last time I spoke to him, he said he'd recently had dozens pay up and not take any more loans.

I don't know whether that is an indication of people feeling more or less financially confident.

wba31

Kt13 wrote: »

Sorted Dro, all in place now. I'm 5 weeks behind with provident. Just shown her the order and said no more payments etc, agent did not like it at all, I received a mouthful of abuse and she then walked off.


Now receiving text messages from her, threatening legal action! Am I right in saying they can't do this as they are listed, and I should not be receiving messages of harassment? Sorry, this is only day 2!


Creditors that are listed on there cannot pursue can they, or be abusive. They just wont take no for an answer. It's intimidating having someone like that on your doorstep, and little ones next to you.

Send the office a copy of your approval notice. If harrassment continues complain to the Insolvency Service

When DRO's started I was told by someone from Provident that they intended to appeal on every single DRO notification they received. I think the DRO Unit quickly told them the purpose of the appeal process for creditors...

National_Debtline

wba31 wrote: »

When DRO's started I was told by someone from Provident that they intended to appeal on every single DRO notification they received. I think the DRO Unit quickly told them the purpose of the appeal process for creditors...

Hi there,

I wonder how much impact DROs have made on the home collected credit indstry as a whole.

- David.

fatbelly

There's no much room for a provident-type lender to object to their debt being included as the following guidance shows. I imagine they already had a level of complete default in their calculations and I doubt that DROs made a lot of difference

If you receive notice that your debt is listed in a DRO you may lodge an objection to one of three things:
•the making of the DRO;
•the inclusion of your debt in the DRO;
•the details of your debt specified in the DRO.


The grounds for your objection can be one or more of:
•that information supplied by the debtor, or in support of the debtor’s application, was incomplete, incorrect or misleading;
•that a bankruptcy order has been made against the debtor;
•that the debtor has made a proposal for an individual voluntary arrangement;
•that the official receiver should not have been satisfied that the debtor met the qualifying criteria for a DRO at the time of the application;
•there is an error in, or omission from, something listed in the DRO.


You must lodge your objection with the official receiver within 30 days of being notified of the DRO and must:
•give your full name and address and supply the name of the debtor and reference number of the DRO;
•specify which of the three matters you are objecting to;
•give details of the grounds for your objection;
•supply a clear statement of the facts and supporting evidence upon which you are basing your objection.