Doorstep loans

[Bowlsy]

Hi there. I have doorstep loans from provident and in august 2017 i made a payment to a new agent. I recieved a statememt at the end of aug and i noticed the payment logged wasnt correct. To make it short it has taken until the end of december for thier investigation to come back with a gesture of good will as they wont except fault and a £30 cheque for my hassel. I sent the cheque back as i think the agent stole some of my payment but the main thing is i never was given a payment book for the loans i have or any reciepts of any payments i ever made. Is this a breach of contract on providents end and can i get the loans written off due to this neglect?..when i made the area manager aware of this fact during the complaint i recieved a book the next week even though i asked agents repeatedly for one.
Many thanks in advance

[Bowlsy]

Re: Doorstep loans

@amethist have you any advice on this situation?

- - - Updated - - -
[MENTION=6]Amethyst[/MENTION]

[Amethyst]

Re: Doorstep loans

Did you always pay in cash ? Same amount each week ?

You think the collector was only putting part of your actual payments into your account ? How much discrepancy do you think there is ? Is there still an outstanding debt on the loan ?

Sorry not not about a lot today ( funeral ) but will come back on tonight if no one picks up on your post.

[Bowlsy]

Re: Doorstep loans

Hi sorry to bother you today.

No i paid sometimes over the phone as i work shifts and find it harder to meet the agent. The agents have changed several times over the past few years. Every time i get a new loan or extend an old one the payment book was never issued and i was always promised they would throw it through the door.
It was the first time this lady was at my door as there has been alot of changes with provident and the way they worked as they have now made the agents full time and under contracts. I wasnt even expecting this lady to turn up but as it was my time to pay i did so. I gave her a payment of 260 pounds but when an anual statement came through at the end of the month it showed i had only paid 246 for that month..24 pounds short. I cant tell with the rest of the payments as i trusted everything was in place but my payments would differ month to month. The guy that handled the complaint a registered admitted that he never even spoke to the agent involved.
During the complaint i was contacted by the regional manager and when i told him what had happened i wasnt long getting a book hand delivered to my door. Since their decision and i rejected thier offer of 30 pounds i told them i would be seeking far more compensation that 30 and i would be looking into the fact that they have broken the agreement by not supplying me a book or receipts so there is no way of telling whats been going on with my payments the area manager has went very quiet as he was phoning me every week or so before that. I also was recieving loads of text messages and calls durning the complaint proceedure even after the manager had requested of these to stop.