Page 2 of 2 FirstFirst 12
Results 26 to 45 of 45

Thread: court claim from lowell for provident. plz help

  • Share
  • Thread Tools
  • Display
  1. #26
    Join Date
    Dec 2014
    Posts
    226
    Mentioned
    1 Post(s)

    Default Re: court claim from lowell for provident. plz help

    @warwick65 sorry only just seen your message. I don't have anything regarding agreements, I,m hoping they cant either lol

  2. #27
    Join Date
    Dec 2014
    Posts
    226
    Mentioned
    1 Post(s)

    Default Re: court claim from lowell for provident. plz help

    @Diana M 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

  3. #28
    Join Date
    Jun 2016
    Posts
    3,033
    Mentioned
    399 Post(s)

    Default Re: court claim from lowell for provident. plz help

    Quote 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 specializes in consumer credit. 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

  4. #29
    Join Date
    Feb 2017
    Posts
    237
    Mentioned
    12 Post(s)

    Default Re: court claim from lowell for provident. plz help

    Quote 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.
    @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

  5. #30
    Join Date
    Jun 2016
    Posts
    3,033
    Mentioned
    399 Post(s)

    Default Re: court claim from lowell for provident. plz help

    Quote 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 specializes in consumer credit. 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

  6. #31
    Join Date
    Feb 2017
    Posts
    237
    Mentioned
    12 Post(s)

    Default Re: court claim from lowell for provident. plz help

    They lull the unsuspecting and desparate by saying Its only 3 a week per week. It seems ok.
    These doorstep sellers make friends with you and are not regulated. When you defaut they make you feel Guilty as hell for taking money off them!

  7. #32
    Join Date
    Dec 2014
    Posts
    226
    Mentioned
    1 Post(s)

    Default Re: court claim from lowell for provident. plz help

    just off to posst the cca request aand cpr request, then I,m guessing I just sit and wait for a few days and see what happens ??
    thanks all for ur advice so far..

  8. #33
    Join Date
    Nov 2014
    Posts
    14,398
    Mentioned
    1587 Post(s)

    Default Re: court claim from lowell for provident. plz help

    Quote Originally Posted by flicky1314 View Post
    just off to posst the cca request aand cpr request, then I,m guessing I just sit and wait for a few days and see what happens ??
    thanks all for ur advice so far..
    The claimant has 12 + 2 Working Days from the date they receive the request to comply after which the debt is rendered unenforceable until the agreement or a compliant reconstituted one is provided.

    nem
    The Advice I Give and Draft Letters Provided Are Drawn From Personal Experience and Career Training And Are Given Freely And Without Liability.
    Please make your own decisions with care and if necessary seek qualified legal advice.
    I Prefer Not to Advise by Private Message If Specific Advice is Needed I will Respond on the open forum. If you are contacted (cold called) by anyone offering advice for a fee please report it to the site team. Animo et Fide





  9. #34
    Join Date
    Dec 2014
    Posts
    226
    Mentioned
    1 Post(s)

    Default Re: court claim from lowell for provident. plz help

    @nemesis45 thanks hun ill keep you informed. Is that the same 12+2 calander days or working days?

  10. #35
    Join Date
    Apr 2009
    Posts
    4,353
    Mentioned
    97 Post(s)

    Default Re: court claim from lowell for provident. plz help

    calendar days

  11. #36
    Join Date
    Dec 2014
    Posts
    226
    Mentioned
    1 Post(s)

    Default Re: court claim from lowell for provident. plz help

    @MIKE770 thanks hun

  12. #37
    Join Date
    Nov 2014
    Posts
    14,398
    Mentioned
    1587 Post(s)

    Default Re: court claim from lowell for provident. plz help

    Quote Originally Posted by flicky1314 View Post
    @nemesis45 thanks hun ill keep you informed. Is that the same 12+2 calander days or working days?
    Working Days For The CCA Request ( no weekends or Bank Hols count)

    nem
    The Advice I Give and Draft Letters Provided Are Drawn From Personal Experience and Career Training And Are Given Freely And Without Liability.
    Please make your own decisions with care and if necessary seek qualified legal advice.
    I Prefer Not to Advise by Private Message If Specific Advice is Needed I will Respond on the open forum. If you are contacted (cold called) by anyone offering advice for a fee please report it to the site team. Animo et Fide





  13. #38
    Join Date
    Dec 2014
    Posts
    226
    Mentioned
    1 Post(s)

    Default Re: court claim from lowell for provident. plz help

    @nemesis45 thank you

  14. #39
    Join Date
    Jun 2016
    Posts
    3,033
    Mentioned
    399 Post(s)

    Default Re: court claim from lowell for provident. plz help

    Quote Originally Posted by flicky1314 View Post
    just off to posst the cca request aand cpr request, then I,m guessing I just sit and wait for a few days and see what happens ?
    You have one more task to do before you can sit back and wait for things to happen

    Quote Originally Posted by Diana M View Post
    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 specializes in consumer credit. 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

  15. #40
    Join Date
    Dec 2014
    Posts
    226
    Mentioned
    1 Post(s)

    Default Re: court claim from lowell for provident. plz help

    Oh god yeah I forgot about that one thank you @Diana M. Is there any templates for it. And any idea where I might send it. Provident head office ?

  16. #41
    Join Date
    Nov 2014
    Posts
    14,398
    Mentioned
    1587 Post(s)

    Default Re: court claim from lowell for provident. plz help

    Quote Originally Posted by flicky1314 View Post
    Oh god yeah I forgot about that one thank you @Diana M. Is there any templates for it. And any idea where I might send it. Provident head office ?
    In the green box above Flicky, £10 statutory fee applies.

    nem
    The Advice I Give and Draft Letters Provided Are Drawn From Personal Experience and Career Training And Are Given Freely And Without Liability.
    Please make your own decisions with care and if necessary seek qualified legal advice.
    I Prefer Not to Advise by Private Message If Specific Advice is Needed I will Respond on the open forum. If you are contacted (cold called) by anyone offering advice for a fee please report it to the site team. Animo et Fide





  17. #42
    Join Date
    Dec 2014
    Posts
    226
    Mentioned
    1 Post(s)

    Default Re: court claim from lowell for provident. plz help

    @nemesis45 thank you. Will get on to that now

  18. #43
    Join Date
    Jun 2016
    Posts
    3,033
    Mentioned
    399 Post(s)

    Default Re: court claim from lowell for provident. plz help

    Quote Originally Posted by nemesis45 View Post
    In the green box above Flicky, £10 statutory fee applies.
    I'm not sure that there is a SAR template in the Green Box. I can't find it there. Do you have a link in case I've missed it?

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

  19. #44
    Join Date
    Jun 2014
    Posts
    10,007
    Mentioned
    936 Post(s)

    Default Re: court claim from lowell for provident. plz help

    Debt is like any other trap, easy enough to get into, but hard enough to get out of.

    It doesn't matter where your journey begins, so long as you begin it...

    recte agens confido

    ~~~~~

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

    I can be emailed if you need my help loading pictures/documents to your thread. My email address is kati@legalbeagles.info
    But please include a link to your thread so I know who you are.

    Specialist advice can be sought via our sister site http://lbcompare.co.uk

  20. #45
    Join Date
    Dec 2014
    Posts
    226
    Mentioned
    1 Post(s)

    Default Re: court claim from lowell for provident. plz help

    Thanks @Kati

Page 2 of 2 FirstFirst 12

Similar Threads

  1. Replies: 0
    : 11th March 2017, 18:40:PM
  2. Received Claim Provident/Lowell
    By pcrgdaddy in forum Received a Court Claim?
    Replies: 27
    : 18th August 2016, 18:11:PM
  3. County Court Claim/ Lowell/ Lowell Solicitors Ltd.. Advice Please?
    By Ian2016 in forum Received a Court Claim?
    Replies: 6
    : 27th July 2016, 16:06:PM
  4. Court Claim - 02 / Lowell/ Lowell Solicitors - 06 Jan 2016
    By Kinth in forum Received a Court Claim?
    Replies: 15
    : 25th May 2016, 13:04:PM
  5. Replies: 1
    : 13th April 2016, 14:00:PM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
Contact Us



© Celame (UK) Ltd 2016
Hosted by Lodge Information Services Ltd
LegalBeagles® are DPA Registered No. ZA158014
LegalBeagles® is the trading name of CELAME (UK) LIMITED ( 09220332 )
Registered Address: 25 Moorgate, London, England, EC2R 6AY
VAT registration number 206 9740 02
User Alert System provided by Advanced User Tagging v3.1.3 (Lite) - vBulletin Mods & Addons Copyright © 2017 DragonByte Technologies Ltd.
Feedback Buttons provided by Advanced Post Thanks / Like (Lite) - vBulletin Mods & Addons Copyright © 2017 DragonByte Technologies Ltd. Runs best on HiVelocity Hosting.
Celame (UK) Ltd Powered by vBulletin® Version 4.2.3
Copyright © 2017 vBulletin Solutions, Inc. All rights reserved.
TOP