Thread: instructor college/ barclays ptn finance

can anyone help with my problem my son attended a driving instructor seminar in bristol after which he decided to take up the offer of the course, this involved financing the course by paying up front or taking the finance by Barclays ptnr finance, he was sold the finance package on the grounds that he would receive and become a qualified driving instructor within 3-6 months and would earn 30,000 per year as a driving instructor, he took out the finance which was a 12month interest free, which if not payed of in the interest free period would then have three years interest added and would cost him 182 a month for 3 years, he started the written part of the course in nov2007 and soon neededto move onto the part of the course which required one to one tuition with a tutor as this is what he was paying the £3,542 for but dispite making phone call after phone call was always told that they would call back and arrange the training dates this never transpired months went by and no contact, every time he called they would say how busy they were but they would get someone to call him back, this never happened as a result of them not arranging the training which had been paid for he then decided to ask for the money to be repaid to barclays finance and cancel the course, he was asked to put this in writing he did and had no reply, he then sent it registered post also spoke to barclays telling them he had not received the goods or services under the agreement and would not be paying them, this was in auguet 2008 three months before the bnpl agreement would expire. even though the instructor college are guilty of breach of contract they refused to repay the loan to barclays finance i wrote to barclays ptr finance after speaking to consumer direct they told me they were also liable under section 75 of the consumer credit act as being comproble for the debt, today they are still adding iterest and charges to this account which is currently 7,500 approx hoew can i stop this debt and who is responsible for the miss selling and misrepresentation, also the instuctor college sent me a letter saying sorry for the delay in the training and that the course would be available for as long as i needed (forever) this is also i believe a breach of contact can anyone please help me with this, i have not received the goods or services agreed to under this agreement

bump!

Hi there, I have had a similar problem. If you've had any success any advice would be great, thank you x

I posted this in The Consumer Forums Debt problems > Debt subforumsebt Collection Industry > Challenging The Instructor College, Barclays Partner Finance and Cabot:

I wonder if anyone can offer me some advice. I applied to start training with the instructor college back in summer 2007, as my credit wasn’t great my Mum agreed to sign as a guarantor for the interest free finance with Barclays to pay for the course. We later realised this wasn’t actually a guarantor contract, but that she had signed completely for the loan.

I attended my 2 first lessons at the college before choosing to leave as I felt they had given us very misleading information in the welcoming tour and the course did not suit my needs. I was told it would be easy to fit around my part time working schedule, I could complete it within 6 months and then be earning £30,000 a year, all of which was very untrue. The course was so overbooked I had to book each session 3-4 weeks in advance which could not work. So I began writing letters to them to request withdrawal and cancellation of the contract due to the course not being fit for the original purpose described to me. And of course they ignored me for some time, before replying with an unreasonable letter which basically said NO.

Few years down the line, things are not so great. After the 12 months interest free period was up Barclays finance literally doubled the amount from £3495 to £7000, it was a very dodgy and unfair contract we later realised but we started to pay it. Unfortunately I had become a victim to my own young naivety and drawn to the unrealistic lifestyle they sold us. We stop paying as I decided we should dispute it. Now they have sold the debt onto Cabot who are sending my Mother threatening phone calls and letters.

Before the debt was sold I originally asked the college to provide the original contract as advised by a friend, but they throbbed me off and after speaking to a secretary on the phone I realised they didn’t have it. I am wondering how much power this will give me?

I want to resolve this as efficiently and effectively as possible, as it involves my Mother’s name. Thanks to the advice I’ve got so far on here I am learning how to deal with this. I have prepared a CCA letter to Cabot, in the meantime I was wondering if anyone can spare any advice on how I can challenge this debt. If I were to accept it I find the added interest incredibly unreasonable and am not willing to pay it. But I also want to challenge the original lending for £3495 for the same reasons as above. Does anyone think this is achievable? Any advice you could offer would be much appreciated.

Thank you so much for your time,
Pure x

Hi Martin, thank you for responding.

I know it is old but thought that might be a good thing as I thought malpaul may have resolved it and have some valuable advice?