which is part of the Provident personal credit group (who's agents are also in this situation), they are a doorstep loan company.
Yes their rates are sky high, but Wifey loves her job and tbh, she is damn good at it.
She is paid on a commission basis only. Also she is the designated new agent trainer. Her commission is paid weekly from the office that she works out of.
The company has brought in a new policy "without any written notice" that the agents can be "fined" if a customer doesnt pay!! The fines on a Ã‚Â£76 loan (including interest) and assuming the customer is 9 weeks in arrears (yes it happens) can amount to as much as Ã‚Â£45, Now we all have experience times of hardship, most agents are born out of previous customers. But there are genuine cases why a customer cant pay or pays a nominal amount, in some cases a customer wont pay at all because they dont want to.
The agents can force a customer to pay, all the agent can do is keep calling, spending money on petrol, sometimes for nothing.
Why should an agent get fines if a customer simply wont or cant pay? for reasons beyond the agents control!
There are many many agent who whole heartedly disagree with this situation, surely to fine the agents cant be legal, especially when they dont give any written notice week to week, yes the agents are classed as self employed, but still?????
several threads on forums on the net opened up, on blogs and Money saving expert etc, nothing structured and designed for agents though, so i formed a forum just for them http://agentsunited.proboards.com/index.cgi also designed as a support forum. wifey organised a meeting of agents from her office to lobby head office. I am running the forum as wifey is a net numpty, any thoughts or idea's on this situation from you guys would be appreciated.