How To Avoid Legal Action From Provident Central Collections Agency Ltd
Provident Central Collections Agency Limited is part of the Provident Financial Group plc. It provides debt collection services to Provident Financial. Provident Financial is a sub-prime lender, which provides a range of credit products such as doorstep loans, credit cards and short-term loans through its businesses: Provident, Vanquis and Satsuma Loans.
Why Have I Received Letters/Calls About My Debt?
If you’ve received contact from Provident Central Collections Agency Ltd, it is probably in relation to money you owe. Provident Central Collections Agency is a debt collection agency.
You should always make sure you establish how old your debt is, and where it comes from if you are unsure. You should be given the details of your original creditor on the letter you receive.
Who Do Provident Central Collections Agency Work With?
The primary purpose of Provident Central Collections Agency is to collect unpaid debt on behalf of Provident Personal Credit Limited. Provident provides doorstep loans or ‘home credit’. This is where your loan is delivered in cash to your home, and repayments are collected from you at home by Customer Experience Managers.
If you have fallen behind with your payments to Provident, they might pass your account on to their debt collection agency.
What Is A Debt Collection Agency?
A debt collection agency is a company who take on the responsibility of chasing customers for repayment of debt. They act on behalf of their clients to encourage debtors to settle their accounts.
What Can A Debt Collection Agency Do To Make Me Pay?
A debt collection agency can only do the same as your original creditor. Essentially, they can just get in touch with you to discuss your debt and how you plan to repay. They may use a variety of methods to contact you like calls, texts, emails, letters and, occasionally, even home visits.
It is important to remember that debt collection agencies have no special legal powers, unlike enforcement agents (known as bailiffs).
Can I Stop Them Contacting Me?
You may be able to reduce contact from Central Collections Agency, though there will be some letters that they must send by law. The first thing you can do is tell them you want everything to be put in writing.
Expressing your contact preferences means you should no longer receive unwanted emails, calls or texts. It is advantageous to have everything in black and white anyway, in case you need to refer to anything at a later date.
Debt collection agencies are not allowed to harass you. If you’re receiving too many calls or being contacted at unreasonable hours, you should make a complaint.
Is My Debt Too Old To Be Collected?
Have you been contacted about a debt from years ago? Yes? Then your debt could be too old to be collected, known as ‘statue-barred’.
Creditors have a limited amount of time to take legal action against you under the Limitations Act 1980. The time is typically six years for most debts in England and Wales. If your creditor doesn’t start court action within this timeframe, your debt may be unenforceable, meaning you will not have to pay.
How Can I Tell If My Debt Is Statute-Barred?
Statute barring applies to most types of unsecured debts including loans, credit cards, catalogues and overdrafts. Your debt may be statue-barred if you have one of these types of debts and the following all apply:
- You haven’t made a payment in the last six years
- The creditor has not acted on the debt in the last six years
- You have not acknowledged the debt in writing during this time
- The creditor hasn’t already applied for a County Court Judgement against you
If you are unsure whether your debt is statute-barred, you should contact Scottishtrustdeed.co.uk for advice.
I Can’t Afford To Pay My Debt
If you are being chased for payment, but can’t afford to repay, you should explain your situation to Central Collections Agency Ltd. It might be possible to come to a payment arrangement which allows you to repay by monthly instalments. You will need to make sure the regular payments are affordable and sustainable before entering into a payment agreement.
What Will Happen If I Don’t Stick To The Payment Plan?
If you continually ignore communications from Provident Central Collections Agency, or you don’t stick to a payment plan, Provident may decide to take court action against you.
What Does Court Action Mean?
If Provident decides to take you to court, you could end up with a County Court Judgement against you. Court action can have a negative impact on your credit rating, making it harder for you to get credit in the future. You will also have the court costs added to your existing debt, so the overall amount you have to repay will increase.
Debt Advice From Scottishtrustdeed.co.uk
You should seek advice on your debt to help you understand the best route to getting debt-free, and what options are available to help you along the way. Scottishtrustdeed.co.uk can talk you through different debt management solutions to find the best one for you.
If you are not happy with the treatment you have received from Provident Central Collections Agency Ltd, you can make a complaint in writing to:
Central Collections Agency Limited, Office A9, Bizspace Business Park, Kings Road, Tyseley, Birmingham, B11 2AL
If you do not receive a satisfactory response, you can refer the matter to be investigated by the Financial Ombudsman Service.
The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
0300 1239 123
Can Central Collections Agency send agents to my home?
Yes, but they are debt collectors not bailiffs, and you do not have to let them in. You can ask them to leave and tell them to put any requests in writing.
Can Central Collections Agency take my belongings?
No. They are a debt collection agency so they do not have the authority to remove your goods.
Will I get debt-free?
Yes. Although your debts might feel insurmountable, there are a number of options available to enable you to get debt-free. You should seek professional advice from scottishtrustdeed.co.uk to discuss your situation.