Provident Finance

Advantages: none
Disadvantages: The interest they charge and the unfriendly staff

...Provident is a large company, who provide a credit service, they provide loans amongst other services and they have been around for a good number off years, they boast that they are the "UKs number 1 home credit provider, (yeah right). When I first joined Provident WHY DID I JOIN? the answer to this is I really dont know!! but anyway a few years ago ( approx 3 years ago) an agent called to my home, she was really friendly and helpful, she offered me £100 worth off vouchers which could be spent in most High street shops, as it was near Christmas I took her offer and accepted the vouchers, the agent filled out the neccassary paper work and I had my vouchers the following week along with my payment book, which had all the agents details on the front of cover. Payments The week after I recieved my vouchers I had to start paying...

jenny967 06.01.2008 · Read review
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Review of Provident Financial

PROVIDENCE, RHODE ISLAND, USA

Advantages: Everything plus GONDOLA RIDES ! !
Disadvantages: none that I can think of

...One of my most favorite travel places in the United States, Providence, Rhode Island, I found purely by accident. I was travelling with a friend through the East, and we were headed to a very different destination in the states. ********HOW we chose PROVIDENCE****** Well, as life would have it, this friend and I began talking [and as anyone who knows me knows that I cannot 'talk' when I am going to change highways or I miss the highway and get slightly lost]. and we talked and talked and laughed and had fun. Well, before we knew it , my friend was going "oops" , we missed our highway connection, and by now we were hours off course. I just laughed and she laughed and we both looked for the nearest 'town or city' that we could visit instead of our original destination. [We had no hotel plans as this was just a 'fun...

Finno 12.01.2005 · Read review
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Review of Providence

Desperate Times Call for Desperate Measures

Advantages: Quick access to cash without credit checks
Disadvantages: Very high interest rates. Can take a long time to pay off.

...Provident Personal Credit is part of Provident Financial PLC, which also operates Greenwood Personal Credit and Vanquis. Now if you're familiar with any of these companies, the alarm bells have probably already started ringing. Provident specializes in Home Collected Credit and has an estimated 60% of the HCC market. According to their website, Provident Personal Credit "specialises in straightforward personal credit that puts you in control. We offer small personal cash loans that can be arranged in minutes and delivered to your door in days." So far, so good. But once you've assessed the interest rates, you'll see that Provident loans are a last resort for people who struggle to get credit elsewhere. The example given on the homepage is for a £300 loan, repaid over 56 weeks at £9 a week. This means you'll end up paying back £504...

nicolemorgan 21.10.2008 · Read review
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Review of Provident Financial

Legalised Loan Sharks !!!!

Advantages: Part-Time
Disadvantages: Plenty and late hours

...on things. Now this is where providents money is made. House calling on people. You are paid a basic wage and you have a bank of clients on a round. You take out commission from what they pay and that is how your income is derived. You mark up the books and you go off on your way. There are offices in most large towns and have agents nationwide. How does the door to door thing work? ------------------------------------- It is very easy, I did some research on this as In the past I have been a customer of Provident and I know. They first give you around £50 of vouchers for you to spend at high street shops. They charge you a weekly payment and put interest on it straight away. You pay the sum each week and after that you can get a loan. You fill in a application and you pay through the roof for it. What is the interest...

BUBBLES171 17.11.2003 · Read review
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Review of Provident Financial

A nice little earner

Advantages: A good payout at the end of the insurance term
Disadvantages: You need to be sure you can commit to ten years

...these days increase by £2 per month after each of the first five years. This way the investment keeps pace with inflation. The only thing to be aware of is that if you change your mind during the ten years you're not going to get much back as a surrender value. In the first few years you would not even get back what you paid in so be sure you want to commit for 10 years before you start. Invest an amount you can easily afford each month to be on the safe side. If you do choose to cash in the policy before the end of the ten-year period, you will incur penalties that progressively decrease over the life of the policy. Over a period of years I took out a few ten-year policies with Friends Provident so that I could eventually receive a lump sum payment virtually every year. The first of these matured in June 1998. That particular...

SusanLesley 16.04.2001 · Read review
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Review of Friends Provident

In my own peculiar way, I've always loved you

Advantages: Performances, script, images
Disadvantages: Non-linear and surreal storyline may confuse thickies

...Deep in the bowels of a derelict mansion, a dying writer tries to stave off his agonies with a constant stream of Chablis. He's trying to complete his final novel before he dies, but the boundaries between his fiction and his reality are blurred from the very beginning. Resnais, the director of the classic 'Hiroshima mon Amour' decided to immerse himself in the English-speaking world for this film. Unlike someone like Luc Besson, however, he retains all his artistic credibility. This is definitely no 'Fifth Element'. As the past life of the Writer merges with his fiction, we see Resnais playing with his favourite theme, that of memory. Although clearly made on a modest budget, Providence has the look of a much more expensive film. A wide range of locations and moods are employed, leading to a very colourful production. Visually...

Olly_Plimsoll 17.08.2005 · Read review
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Review of Providence DVD

quick cash but you pay the price

Advantages: quick and easy
Disadvantages: high interest

...As some of you may already know provident personal credit are a home lending company who lend to anyone no matter what your credit rating, this can be a good thing when you need a quick cash injection but a bad thing as it allows people already in debt to get further into debt. To get a loan with them all you do is phone there office, the number is in the phone book, they take a few details then pass them onto an agent, this agent will come to your house do the paper work give you your cash and colect your repayments from you weekly. There interest is high, it is £65 for every £100 you borrow but I find them useful at christmas time each year and have a loan that I can pay back over the next year at a very reasionable rate. Repayments are £3 a week on every £100 you borrow Provident is a great company if you have poor credit...

noddytiger 30.11.2008 · Read review
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Review of Provident Financial

One of the better service providers!!

Advantages: good customer service
Disadvantages: few hiccups but resolved quickly

...I've been with Vodafone for eight years now and I consider Vodafone being one of the exeptions when it comes to service providers. Majority of service providers are absolutely appalling and we come across problems with them more or less all the time, however I would recommend Vodafone to anyone. Having had 6 phones from them, currently a Sony Ericcson, on every occassion when I have come to upgrade I have looked around at what deals are available to me, however, when I have found a good deal and I have contacted to Vodafone to either terminate or see what they have on offer, they have always come up trumps and give me a better deal than what I have been offered by other service providers. This particular phone that is with Vodafone is my personal phone and I am on a tarriff whereby I pay £30 per month and I have two hundred free...

blondgem 13.01.2008 · Read review
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Review of Vodafone

N95, Good phone depending on Service Provider

Advantages: A multitude of new applications
Disadvantages: Barcode reader, battery, radio, keypad problems

...N95, Good phone depending on Service Provider I have had this phone (N95) for a few weeks now and even though I am still impressed by what it does there are still some setbacks: Firstly I noticed that I have the usual Nokia problems when it comes to charging the phone. I have only had the phone a few weeks and I have to start angling the charger wire where it connects into my phone so that it can remain on charge. God forbid I accidentally knock it or a strong breeze flows through my room as I will have to spend the next 5 mins trying to readjust it to get it working again. I haven?t dropped the phone nor have I mistreated the any components of the charger so I don?t understand why I have such problems. Secondly I have yet to get the barcode reader working on any barcodes whether it be on a 2-D or 3-D surface. I have also...

barneso 11.05.2007 (15.05.2007) · Read review
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Review of Nokia N95

Good network provider

Advantages: Good price plans and network service
Disadvantages: The range of mobile phones on its mobile phone contracts

...I used to be with vodafone for a while and I have to say I really enjoyed their service. I was part of this priceplan where I was able to get 60minutes per week free or something if i topped up £5 free and also free weekend texts and calls. They also provided very good reception service (4 or 5 bars out of 5 for signal), as I never was out of signal, only a few times when I am travelling on the tube (well you obviously do not get any signal on the tube anyway so thats ok). They have a very fast 3g service which in my area and in the centre of town I can receive good signal normally 3 or 4 out of 5 bars of signal. They also offer good rewards for topping up which I didn't want to leave the network as I wanted an iPhone 3g and only o2 offered it, but now soon vodafone will be offering the iPhone so I think when my current contract runs...

americandreamer_2009 14.10.2009 · Read review
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Review of Vodafone