1. stu100

    stu100 Registered User

    Feb 4, 2015
    70
    Birmingham
    Hi can anyone give me some advice my nan has always had loans of provdent. Two years ago my sister told them she has got dementia don't give her any more loans we have found out the the woman is still coming to the door and nan has a couple more loans. She doesn't even need them we have complained about it and thay are saying my nan is ok the woman who come once a week will know that she is getting worse. Thay have sent a letter back saying thay haven't done anything wrong if my nan won't stop opening the door as she likes the woman.
     
  2. jenniferpa

    jenniferpa Volunteer Moderator

    Jun 27, 2006
    39,437
    Honestly, I'm not sure what you are asking. I've tried googling the term you used and am coming up empty.

    If you mean your nan is taking out (maybe) short-term loans and she doesn't have capacity you are going to have to take action to protect her. Do you have any form of LPA (lasting power of attorney). if you don't you are probably going to have to apply to the COP for deputyship.

    You have to understand that without any formal paperwork this company has no legal reason to refuse to deal with your nan. Moral, maybe, but it doesn't sound as if they are particularly interested in the moral aspect.
     
  3. stu100

    stu100 Registered User

    Feb 4, 2015
    70
    Birmingham
    My uncle is waiting for LPA forms to cone back that even had her wrong date of birth
     
  4. Lindy50

    Lindy50 Registered User

    Dec 11, 2013
    5,239
    Cotswolds
    Is this the company you mean, stu?

    http://en.m.wikipedia.org/wiki/Friends_Provident

    I seem to remember my parents having a regular 'savings and insurance' visitor, with whom they got v friendly, although this could have been 'the man from the Pru' ( Prudential).

    Good luck in sorting it out :)

    Lindy x
     
  5. RobinH

    RobinH Registered User

    Apr 9, 2012
    265
    London
    Found this on the Citizens Advice Website

    http://www.adviceguide.org.uk/scotland/consumer_s/consumer_protection_for_the_consumer_e/consumer_contracts_s/who_can_make_a_contract_s.htm

    "A contract is a legally binding agreement which may or may not be in writing. Most adults can make valid agreements (contracts) with other people. Some adults can’t because of learning disabilities, mental health problems (including dementia) or because they are under the influence of drugs or alcohol. The contract or agreement in these circumstances can’t be valid because the person didn’t understand what agreement they were making. When you do know what agreement you are making it is called having capacity."

    It seems to me any contract taken out by someone with dementia isn't valid. Has anyone got experience of getting a contract nullified for this reason?

    Robin
     
  6. Izzy

    Izzy Volunteer Moderator

    Aug 31, 2003
    59,789
    Female
    Dundee
    I think this might be the company -

    http://www.providentpersonalcredit.com/loans/
    .
    Provident cheques were a common thing a long time ago. They were known as 'provy cheques' in Scotland and as far as I know they are like a payday loan
     
  7. stu100

    stu100 Registered User

    Feb 4, 2015
    70
    Birmingham
    Yes lazzy that's the one


    Stuart
     
  8. Lindy50

    Lindy50 Registered User

    Dec 11, 2013
    5,239
    Cotswolds
    Yes! Izzy, that's what I was looking for in my befuddled state in the middle of the night!:eek: Just couldn't sleep last night....

    Lindy xx
     
  9. Izzy

    Izzy Volunteer Moderator

    Aug 31, 2003
    59,789
    Female
    Dundee
    Join the club!
     
  10. Lindy50

    Lindy50 Registered User

    Dec 11, 2013
    5,239
    Cotswolds
    I seem to sleep better away from home - when I'm here I can always think of something I could or should be doing :rolleyes: Not good is it?

    Sorry stu for highjacking your thread :eek:
     
  11. velocity

    velocity Registered User

    Feb 18, 2013
    173
    North Notts
    I agree with RobinH. I would try to see the woman arranging these loans and remind her of the t&c.
     

Share This Page

  1. This site uses cookies to help personalise content, tailor your experience and to keep you logged in if you register.
    By continuing to use this site, you are consenting to our use of cookies.
  1. This site uses cookies to help personalise content, tailor your experience and to keep you logged in if you register.
    By continuing to use this site, you are consenting to our use of cookies.