l have a provident loan of 300.anyway l lost my job and l cannot afford the repayments until l have a job.my other half has a loan too.and hes paying his back as normal but cannot help me as hes got a tight budget.i said to the agent last week l lost my job and apologised for not making the payment last week.anyway hes due to come round tonight my other half is paying his.what should l say or do when he comes to ask for my payment
please dont bother writing negative comments like l dont intend to pay it back as l do. and will as soon as a job comes my way
TO JOE C. IT IS NOT OVER 3 YEARS IT IS OVER A YEAR AND l PAY BACK 9.00 PER WEEK SO TIMES THAT EACH MONTH.£36.00. l TAKE IT YOU ARE WELL OFF AND HAVENT BEEN THROUGH HARD TIMES.

Explain you have lost your job and they can put the loan on 'hold' for you. It is quite common and easy to do but the agents do not like doing it because they are paid commission on what they collect. Be pleasant but firm.

hey, l know what u mean, me and bf did this, but we broke up so def cant pay mine back.
you need to be honest and keep them informed, if you avoid them or blank them u will end up in my position and have dbt collectors knocking!!!!
they are usually understanding if u have a good reason not to pay, and not havin a job is a good one!!!! lol

Try offering a nominal payment of a pound or something - this will show you're willing to pay it. If they get stroppy, inform them that u r going to visit Citizens Advice & have a financial statement drawn up, this will then mean that they get very little per week.
It normally shuts them up & gets them off ur case for a while.
I've dealt with provident before for a client, & sent off financial statements to them - now they have the debt paid back at £1.00 a week.
If u need anymore advice email me :)

provident take a realistic view and understand that things dont always go according to plan.you are however expected to make your repayments everyweek, there are no extra charges for missed or late payments on a cash loan. however your ability to get further credit maybe affected.

speak to your agent or telephone 0845 300 1757 or go online to provident.co.uk

Create an expenditure form explaining ur income & outcome & they will see from this that it is impossible. Let them know u r eager to find work as this wil go in ur favour.
On ur wexpenditure form include everything such as clothes travel etc. If u live with ur other half & cannot claim, use their earnings on the form & show that they r completely taken up.
In all honesty tho if u r living with ur other half they should be sharing the burden with u by reducing their payments & allowing u to pay something.
What would u do if ur other half was in ur situation vice versa?

When u say u do not want negative comments l assume that what u mean is u do not want anyone to tell u that u have entered into a contractual agreement to pay back money that u have already spent ??
These people saying the collector is going to be understanding r living in cloud cookoo land. The Prov make their money by selling defaulters to debt collection agencies. The best thing u can do is tell the guy u do not have the money & get a job quick.
£300 borrowed over three years even at 50% APR can only be £13/14 a month & if u cant afford that u have bigger issues in ur life !!!