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Is this fair?
louloufoxy
Posts: 6 Forumite
Hi all,
I am a new poster etc, although I have scoured these boards many times in the past to get advice.
I have a problem that has arisen today.
I took out a couple of a Provident loans in 2012 but then moved house and the agent I had got fired for 'fiddling the takings'.
I never heard anything from Provident and to be honest, to my own silly failings, did not contact them as had a lot of personal issues going on - the loss of a baby and some surgery around that. This is by no means an excuse, just simply a reason why the debt was not forefront in my mind.
Anyway, fast forward to this year and hubby and I are thinking of getting a new mortgage (we've returned to our house after years of renting), as I am expecting and we have no room for everyone once bubba comes along.
I looked on my credit file, via Noddle, and saw these provident debts sat there. So I willingly rang them, explained the situation with the move and their agent, but would they take weekly payments to clear these debts as I want them cleared.
Yes, not a problem. Weekly payment arrangement set up for each Thursday.
This arrangement went on for a couple of months and then I noticed they had stopped taking payments.
I phoned them up to be told my debt had been sold to Lowell. "It's not a debt collection agency" she protests on the phone! Errrr I beg to differ. This is just what I need when I'm 4 months pregnant! :mad:
My question is - are they allowed to do this if I have been paying and we had a payment arrangement between us?
Any advice would be greatly received.
Thank you
I am a new poster etc, although I have scoured these boards many times in the past to get advice.
I have a problem that has arisen today.
I took out a couple of a Provident loans in 2012 but then moved house and the agent I had got fired for 'fiddling the takings'.
I never heard anything from Provident and to be honest, to my own silly failings, did not contact them as had a lot of personal issues going on - the loss of a baby and some surgery around that. This is by no means an excuse, just simply a reason why the debt was not forefront in my mind.
Anyway, fast forward to this year and hubby and I are thinking of getting a new mortgage (we've returned to our house after years of renting), as I am expecting and we have no room for everyone once bubba comes along.
I looked on my credit file, via Noddle, and saw these provident debts sat there. So I willingly rang them, explained the situation with the move and their agent, but would they take weekly payments to clear these debts as I want them cleared.
Yes, not a problem. Weekly payment arrangement set up for each Thursday.
This arrangement went on for a couple of months and then I noticed they had stopped taking payments.
I phoned them up to be told my debt had been sold to Lowell. "It's not a debt collection agency" she protests on the phone! Errrr I beg to differ. This is just what I need when I'm 4 months pregnant! :mad:
My question is - are they allowed to do this if I have been paying and we had a payment arrangement between us?
Any advice would be greatly received.
Thank you
0
Comments
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Yes they are allowed to.Still rolling rolling rolling......
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SIGNATURE - Not part of post0 -
Seems pretty low tactics if someone is paying.
Lesson learnt for me!
Thank you for the reply.0 -
It's not personal. They just get sold off in a job lot with other loans.Still rolling rolling rolling...... <
SIGNATURE - Not part of post0 -
You can set up the same payment plan with Lowell, online, from there website, no need to even speak to them, 99% of the time they are accepted without much question.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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I look forward to hearing from Lowell then - one company I do not like the look of.0
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sourcrates wrote: »You can set up the same payment plan with Lowell, online, from there website, no need to even speak to them, 99% of the time they are accepted without much question.
Thank you Sourcrates. I will do that when I get a letter. I have honest intentions, would of just preferred to keep the debt collectors at bay!0
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