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court claim from lowell for provident. plz help

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  • #16
    Re: court claim from lowell for provident. plz help

    Originally posted by nemesis45 View Post
    28 calendar days.
    nem
    As I have said it's 33 not 28 calander days.

    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

    This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

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    • #17
      Re: court claim from lowell for provident. plz help

      28 days + posting / delivery times = 33

      Comment


      • #18
        Re: court claim from lowell for provident. plz help

        omg which one is it , I'm even more confused now.

        Comment


        • #19
          Re: court claim from lowell for provident. plz help

          33 includes posting allowance, not a problem


          NOTE: The defence date is 28 days from service (ie when you received the claim) or 33 days (which allows 5 days for service) from the issue date printed on the front of the claim form. You can work out the date HERE >>> http://www.timeanddate.com/date/dateadd.html

          Take it you have not read:- First Steps it is all at the top of this thread.

          Comment


          • #20
            Re: court claim from lowell for provident. plz help

            ok so by the 22nd of may is that right as I,m about to put it on my letter.

            Comment


            • #21
              Re: court claim from lowell for provident. plz help

              Issue date Tuesday, 18 April 2017
              Added 33 days ( 28 days plus 5 for service )
              Result: Sunday, 21 May 2017
              (https://www.timeanddate.com/date/dat...aw=&ad=33&rec=)

              So really you want to file the defence by Friday 19 May 4pm latest xxx
              Last edited by Amethyst; 20th April 2017, 12:40:PM. Reason: MATHS !!!!
              Common Sense .... if in doubt, use it !

              “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

              Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

              Find Solicitors offering fixed fees on our sister site - JustBeagle.com

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              • #22
                Re: court claim from lowell for provident. plz help

                If the Defence deadline falls on a weekend or a Bank Holiday then the deadline moves on to 4pm the next working day which is why I stated Monday 22nd.

                Di
                I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

                This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


                Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                Comment


                • #23
                  Re: court claim from lowell for provident. plz help

                  Well there we go then, we all learn a little every day 22nd it is
                  Common Sense .... if in doubt, use it !

                  “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

                  Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                  Find Solicitors offering fixed fees on our sister site - JustBeagle.com

                  Comment


                  • #24
                    Re: court claim from lowell for provident. plz help

                    ok thanks guys, ill put in the post tomorrow.
                    what do u think the likelihood of them getting an agreement is. and I think half of the 5000 pound is interest.

                    Comment


                    • #25
                      Re: court claim from lowell for provident. plz help

                      Originally posted by flicky1314 View Post
                      what do u think the likelihood of them getting an agreement is. and I think half of the 5000 pound is interest.
                      This would have been a doorstep loan. In fact could it have been more than one which they have amalgamated?

                      The APR was often over 500% so there may be all sorts of issues to explore.

                      You've said you think you last paid in 2011 so this debt may be touch-and-go Statute Barred.

                      We've been dealing with some claims recently for old Provident loans where the agent (doorstep collector) didn't always pass on the money collected. Did you have a book which your agent signed when you paid?

                      Also do you remember how you opened the account (e.g. in your own home)?

                      What you need to do next is send a Subject Access Request to Provident to get the full history of the account.

                      Di
                      I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

                      This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


                      Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                      Comment


                      • #26
                        Re: court claim from lowell for provident. plz help

                        [MENTION=98117]warwick65[/MENTION] sorry only just seen your message. I don't have anything regarding agreements, I,m hoping they cant either lol

                        Comment


                        • #27
                          Re: court claim from lowell for provident. plz help

                          [MENTION=87380]Diana M[/MENTION] yeah it was a doorstep loan and I think your right it could be a couple of loans together. I,m convinced its statue barred and like I said I checked noddle and its not on there.
                          I opened the account in my own home. where can I get a copy of a s.a.r plz

                          Comment


                          • #28
                            Re: court claim from lowell for provident. plz help

                            Originally posted by flicky1314 View Post
                            @Diana M yeah it was a doorstep loan and I think your right it could be a couple of loans together.
                            Well that may give them a headache since they may have to produce two credit agreements if you opened two separate loans.

                            We'll see.

                            Di
                            I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

                            This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


                            Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                            Comment


                            • #29
                              Re: court claim from lowell for provident. plz help

                              Originally posted by flicky1314 View Post
                              @warwick65 sorry only just seen your message. I don't have anything regarding agreements, I,m hoping they cant either lol
                              No problem

                              As I said I only know because I had a few of these loans and more by luck than judgement I still had one when I sent a CCA request off.

                              Lowell had amalgamated 3 loans into one , they managed to send me the front three pages of all 3 but were unable to send the terms and conditions. To be honest they were hard enough to read on the original let alone if they had photocopied them

                              If they only send the fronts you should be OK

                              I know why they litigate these-because most people don't fight them - but I am hoping for the best for you

                              As you say it is 5 K- worth looking into trying to get some legal advice if it looks like it might go all the way

                              the forum will do all it can for you but as has been said on many occasion , the devil is in the detail.
                              [MENTION=87380]Diana M[/MENTION] The interest rate on standard provident loans was about a flat 58%ish I think . £3 a week for 53 weeks on every £100 borrowed
                              Any advice or opinions I offer are based on my experience dealing with personal debt as well as other life events.
                              I have no formal legal training
                              Any advice is offered without liability
                              If in doubt take professional legal advice or contact the CAB

                              Comment


                              • #30
                                Re: court claim from lowell for provident. plz help

                                Originally posted by warwick65 View Post
                                @Diana M The interest rate on standard provident loans was about a flat 58%ish I think . £3 a week for 53 weeks on every £100 borrowed
                                On their website today they're quoting the following example >


                                Representative example: £270 loan over 26 weeks. 26 payments of £16.20 per week. Rate of interest 112% p.a. fixed.
                                Representative 535.3% APR.
                                Total amount payable £421.20.



                                They then say comfortingly >

                                Loans can be repaid over a period of 13 to 52 weeks depending on the loan term chosen at application. The maximum APR for a loan is 1557.7%.



                                Holy Mackerel!

                                Di

                                * source: https://www.providentpersonalcredit....FfYy0wodjWEFug
                                I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

                                This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


                                Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                                Comment

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