Retroquire and Vanquis Banking Group: Difference between pages

Provident Financial plc
	File:Providentfinancialplc.gif
Company type	Public ; (LSE: PFG)
Industry	Finance
Founded	1880
Headquarters	Bradford, UK
Key people	John van Kuffeler, (Chairman); Peter Crook, (CEO)
Revenue	$669.2 million (2007)
Operating income	$157.3 million (2007)
Net income	$80.7 million (2007)
Website	www.provident financial.com

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Revision as of 13:16, 12 October 2008

Provident Financial plc (LSE: PFG) is a financial services group based in Bradford, UK. It specialises in Home Collected Credit (HCC), but also owns Vanquis Bank which offers credit cards. Its market is among the 10 million people in the UK who have difficulty getting mainstream credit, and its biggest business is lending to people in their homes via a network of doorstep agents. Out of an estimated 2.5 million people who borrow from HCC providers, 1.5 million place their business with Provident Financial, giving the company an estimated 60% market share. Their largest rival is Cattles. ^[1].

Domestic Operations

In the UK, Provident trades under a number of different brands, including Provident Personal Credit and Greenwood Personal Credit for its home credit operations, and Vanquis Bank for its credit card operation. The home lending operations are based in the head office building in Sunbridge Road, Bradford and Vanquis Bank is based in London with purpose built premises located in Chatham, Kent.

Controversy Over Home Collected Credit

In June 2004, the National Consumer Council referred a Super-Complaint regarding the Home Collected Credit industry to the Office of Fair Trading. The Office of Fair Trading published a consultative paper which raised concerns about concentration of market share between the four largest providers, including Provident Financial. It also mentioned a number of business practices and customer characteristics which could hinder market competitiveness.

References/Sources

References

^ Doorstep agents help Provident Financial ride out the credit storm, Financial Times, 29 December 2007.

Many consumer complaints about Yes Car Credit - Direct Auto Finance who are owned by Provident can be read at http://www.carcreditcomplaints.co.uk

[1] Doorstep agents help Provident Financial ride out the credit storm, Financial Times, 29 December 2007.

[1]

@@ Line 1: / Line 1: @@
+{{Infobox_Company |
-A '''Retroquire''' (also spelled retro-choir or retrochoir) is a term in ecclesiastical [[architecture]] that defines the space behind the [[high altar]] in a large [[Church (building)|church]] or [[cathedral]], which often separates it from the end [[chapel]]. An example of this is the retroquire of [[Winchester Cathedral]] which was built between 1200 and 1230 to house a [[shrine]] for [[Saint Swithun]].
+  company_name   = Provident Financial plc|
+  company_logo   = [[Image:Providentfinancialplc.gif]]|
+  company_type   = [[Public company|Public]] <br>({{lse|PFG}}) |
+  company_slogan = |
+  foundation     = 1880|
+  location       = [[Bradford]], [[United Kingdom|UK]]|
+  key_people     = John van Kuffeler, ([[Chairman]])<br>Peter Crook, ([[CEO]])|
+  revenue        = [[Dollar|$]]669.2 million (2007)|
+  operating_income=[[Dollar|$]]157.3 million (2007)|
+  net_income     = [[Dollar|$]]80.7 million (2007)|
+  num_employees  = |
+  industry       = [[Finance]]|
+  products       = |
+  homepage       = [http://www.providentfinancial.com www.provident financial.com]
+}}
+'''Provident Financial plc''' ({{lse|PFG}}) is a financial services group based in [[Bradford]], [[UK]]. It specialises in [[moneylender|Home Collected Credit (HCC)]], but also owns Vanquis Bank which offers [[credit cards]]. Its market is among the 10 million people in the UK who have difficulty getting mainstream credit, and its biggest business is lending to people in their homes via a network of doorstep agents. Out of an estimated 2.5 million people who borrow from HCC providers, 1.5 million place their business with Provident Financial, giving the company an estimated 60% market share. Their largest rival is [[Cattles]]. <ref>''Doorstep agents help Provident Financial ride out the credit storm'', [[Financial Times]], 29 December 2007.</ref>.
-==See also==
-*[[Cathedral diagram]]
-*[[Choir (architecture)]]
+===Domestic Operations===
-==External links==
+In the UK, Provident trades under a number of different brands, including Provident Personal Credit and Greenwood Personal Credit for its home credit operations, and Vanquis Bank for its credit card operation. The home lending operations are based in the head office building in Sunbridge Road, Bradford and Vanquis Bank is based in London with purpose built premises located in [[Chatham, Kent|Chatham]], [[Kent]].
-[http://www.panoramicearth.com/2350/Winchester/Retroquire_in_Winchester_Cathedral panorama of retroquire in Winchester Cathedral]
+===Controversy Over Home Collected Credit===
+In June 2004, the National Consumer Council referred a Super-Complaint regarding the Home Collected Credit industry to the [[Office of Fair Trading]]. The Office of Fair Trading published a consultative paper which raised concerns about concentration of market share between the four largest providers, including Provident Financial. It also mentioned a number of business practices and customer characteristics which could hinder market competitiveness.
+==References/Sources==
-{{architecturalelement-stub}}
+* http://www.providentfinancial.com
+* http://www.oft.gov.uk/advice_and_resources/resource_base/super-complaints/home-collected-credit
+{{FTSE 250 Index constituents}}
+==References==
+<references />
+[[Category:Companies based in Bradford]]
+[[Category:Companies established in 1880]]
+Many consumer complaints about Yes Car Credit - Direct Auto Finance who are owned by Provident can be read at http://www.carcreditcomplaints.co.uk