Provident Polska is the Polish subsidiary of a British company called Provident Financial.
They are indeed utter scum.
Personally I'd write them a letter telling them that either they can freeze the interest rate right now and he'll pay the debt in weekly installments or they can take him to court and get bugger all because there is nothing to have.
I happen to meet one of those guys
Yet another of your superb business deals went wrong did it Deepak?