Provident personal loan agent problems

Jpfourie

Good day,

Can someone please tell me whats the cut off time for these agents coming around to your hose.

Ive had these agents coming 9 sometimes even 10o'clock at night looking for their money. I'm sure there must be some cut off time by law.

Thanks

smirker

How often do they come around? Did you sign a contract permitting them to call around?

kirving

If they're calling at ridiculous hours, especially when it's dark, don't answer and call the Gardai.

January

Call them and arrange for them to come at a different time. You took a loan out with them and have to pay them back, arrange a time that suits both of you or arrange to leave the book somewhere with the money in it so they can fill it in and leave it back.

...__...

Unless your late in paying back they can be very accomodating it depends on the agent some are human like us some are not, If you want you can ring hq and request a different agent.

ResearchWill

Jpfourie wrote: »

Good day,

Can someone please tell me whats the cut off time for these agents coming around to your hose.

Ive had these agents coming 9 sometimes even 10o'clock at night looking for their money. I'm sure there must be some cut off time by law.

Thanks

This may be of help

http://www.irishstatutebook.ie/1995/en/act/pub/0024/sec0046.html#sec46



Visits and telephone calls.

46.—A creditor, owner or a person acting on his behalf shall not visit or telephone—

(a) a consumer without his consent—

(i) at his place of employment or business unless the consumer resides at that place and all reasonable efforts to make contact with him have failed,

(ii) at any place,

(I) between the hours of 9 o'clock in the evening on any week day and 9 o'clock in the morning on the following day, or

(II) at any time on a Sunday or a public holiday (within the meaning of the Holidays (Employees) Act, 1973 ),

(b) a consumer's employer or any member of the consumer's family unless that employer or family member is a party to the agreement, without the consent of the consumer, given in writing and separate from any other term of agreement,

for any purposes connected with an agreement other than the service of a document in connection with legal proceedings.

The following section may also be of interest


Excessive rates of charge for credit.

47.—(1) A consumer or a person acting on the consumer's behalf may apply to the Circuit Court in whose Circuit the consumer resides or in which the agreement was made, for a declaration that the total cost of credit provided for in any agreement is excessive.

(2) Subject to this section, the Circuit Court may decide in any particular case coming before it, by an application under subsection (1), that the total cost of credit provided for in any credit agreement is excessive.

(3) In making the decision referred to in subsection (2) the court shall have regard to all relevant factors including—

(a) interest rates prevailing at the time the agreement was made or, where applicable, interest rates prevailing at any time during the currency of the agreement,

(b) the age, business competence and level of literacy and numeracy of the consumer,

(c) the degree of risk involved for the creditor and the security provided,

(d) the creditor's costs including the cost of collecting repayments, and

(e) the extent of competition for the type of credit concerned.

(4) This section does not apply to any credit agreement relating to credit advanced by a credit institution or a mortgage lender.

(5) In any case where the application under subsection (1) is made by a consumer or a person acting on the consumer's behalf the Circuit Court shall not make an order without first affording the Director the opportunity to be heard on the matter.