Provident Loans

[Berniethebolt]

I have two questions and I will explain my reasons


1) When taking out a provident loan was the paperwork that came with it two sided or just one i.e were there terms and conditions on the back ? I CCA'd for a provident loan and got back just one sheet of paper , if memory served me the paperwork was in triplicate but there were T&C's on the back so I am looking for clarification.


2) If you have several loans with provident can they bundle them all up under one reference number and treat it as one loan when issuing a claim . My 3 loans have just been sold to Lowlife so I would expect a claim some time soon


Thanks

[FlamingParrot]

Re: Provident Loans

I've never had a Provident loan so I'll leave question one for those who know what their documents would look like, you may want to post up a redacted copy of the document. :typing:

With regards to bundling them into one claim, yes, this can be done although you don't see it very often, HSBC were notorious for combining an overdraft with a loan. :mmph:

[Amethyst]

Re: Provident Loans

One of these ?


Yes they can stick them all together for court, but still need to give you all three original CCA's if they were separate loans.

[nemesis45]

Re: Provident Loans

I've seen them on 3 sheet NCR agreement forms for loans arranged on their business premises.

nem

[Berniethebolt]

Re: Provident Loans

Thanks. That answers one of my questions but the other part is do the terms continue overleaf.
These were triplicate forms, one for file one for customer and an other probably for the office. Signed at home.
It helps that they are not all legible Speen lowers write I will just tell them that Bcw did not comply. I still would like to know for sure.

[nemesis45]

Re: Provident Loans

Thanks. That answers one of my questions but the other part is do the terms continue overleaf.
These were triplicate forms, one for file one for customer and an other probably for the office. Signed at home.
It helps that they are not all legible Speen lowers write I will just tell them that Bcw did not comply. I still would like to know for sure.

On the back of all 3 I think. On the reverse.

[Berniethebolt]

Re: Provident Loans

Thinking about it and I will have to check there might have been T&Cs in the book.

[Berniethebolt]

Re: Provident Loans

Ha
I have got them-well for now at least . Well I hope I do
Here are the three 'agreements ' that they sent me which I have to agree I did sign but if you look at the highlighted bits it says 'here and overleaf' Well they did not send me any 'overleaf' so by my way of thinking they have failed on the CCA request in two ways, I think they are hardly legible but they certainly have not included all the terms and conditions

29_S78_Documents.pdf

Any thoughts please

That seems to be one bit of good news anyway