Provident removed from my Credit report with money still owed?

steeki-lowry

Hi guys,

I have a query which I hope could be answered.

I (foolishly) borrowed a chunk of money from Provident Personal Credit about 2-3 years ago and I am currently still paying weekly to an agent. However, when I sign into my Experian credit report, the account is no longer listed.

What I want to know is - why is this?

The agreed duration of the loan has ended but I hadn't been continually paying my loan off, hence why I'm still paying. Is this maybe why? (Although my older, settled accounts are listed.)

I have paid back the amount I borrowed but I've still a bit of interest to pay back.

I have also received letters warning of default and demanding large sums, although because I am still paying it off they have never followed through.

It just seems a bit odd to me.

Kinda hoping I don't have to pay any more?

I look forward to your replies.

Thanks in advance.

Stephen.

fermi

Could have been sold on, and it may shortly reappear under the buyer's name.

Experian_company_representative

Hi Steeki-Lowry

As Fermi has said it seems likely that Provident have passed this to a debt collection agency, or is in the process of doing so.

If this is the case then the debt could re-appear on your report under the name of the agency it has been sold to.

You may want to check with Provident to see if they have indeed sold it.

Regards
Neil

steeki-lowry

Well if they sold the debt on, why would they still be taking payments from me??

It hasn't appeared on my file for a while though. I will have to take this up with them.

Cheers for the help.