Provident - irresponsible lending?

foxy-stoat

CakeCrusader wrote: »

Thank you so much for taking my question seriously, your response was very 'helpful'!

I think you had your answer in post #2, and #3.

Nothing else to add.

sourcrates

I understand your flustration with this, others on here appear to have overlooked the personal injusice you feel yourself, I think he would probebly have gotten the money from elsewere if the provvy hadnt been there, people tend to be resourseful when they need to find money, its a tale most likley repeated over 1000 times or more in the working class areas of this country back in the 60`s, 70`s, and 80`s.

I don`t think you would get anywere now with a complaint, as your father is no longer here to add any substance to it, its a sad situation many others would have grown up with two during that period, I think its best to try and just let it go now, hard as that may be to do.

boo_star

sourcrates wrote: »

I understand your flustration with this, others on here appear to have overlooked the personal injusice you feel yourself

I disagree that we've overlooked it, in fact I'd argue that our views are not being clouded by "having some skin in the game" so to speak.

Sharsha

He has a very valid point. Being an alcoholic is not a crime and no-one ever sets out to become an alcoholic.  Life's turns can sometimes take the strongest of people down the wrong road.  Alcoholics are classed as vulnerable people and Provident have a duty of care to their customers to ensure that vulnerable people are not being exploited.  If Provident did not undertake affordability checks and failed to explain to the the father that he would end up paying yet more interest by taking out new loans to pay off old loans the Provident have failed the father and the family BIG TIME!   No matter how long as elapsed Provident should be held to account and readdress any loses where and when possible as should be the case with all other lenders where this may have happened.

bradders1983

Glad you bumped this after near a year and a half to tell us that.

macman

The OP's father died 'years ago'. It's unlikely that there are any surviving records that would even prove that he had taken loans from Provident. Any claim now would be laughable.