I wanted to start this new thread so that all of us who funded our course with a Barclays Career Development Loan (NOT Barclays Partner Finance) can discuss this whole mess. There is some great information on the other thread, but we need our own thread to keep things tidy and less confusing.

It appears that we are not covered by the T&C's of the CDL from Barclays and therefore will be left with the debt and nothing to show for it. So please add your details here. I'll start things off....

I am in Coventry and took out a CDL for £4750 for an MCSE course. I borrowed the money to pay off the CDL last month, before the interest started. I am unemployed and now left in debt with no qualification.

i am in Manchester and Took out a CDL for £4750 for a MCSE course.. which went up to 4950. Now i feel i have my rites to not have to pay anything due to the MCSE course i cannot do.

Spoke to a woman called Angela from CDL department, she said in the agreement where you signed the contract it says "i am liable to pay even if the institute cannot provide further training" or something like that she said. which i find extremely unfair, it's a Career Development Loan, not a LOAN, you supposed to get a CAREER at end of it, thats the whole point!

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At the top of the letter I received from Barclays confirming the details of the loan, it clearly states "CAREER DEVELOPEMENT LOAN FIXED-SUM LOAN AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974".

Therefore, we should be covered by Section 75.

At the top of the letter I received from Barclays confirming the details of the loan, it clearly states "CAREER DEVELOPEMENT LOAN FIXED-SUM LOAN AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974".

 

Therefore, we should be covered by Section 75.

So it should come with some protection of some sort or the full amount is covered?

Sorry Mat-yes understand these issues need dealing sep.

I'm actually in process of paying mine, mine was £4460 at the moment I have a little over £3000 outstanding to pay. Don't wanna pay for something that I'm no longer getting, that's just not fair.

So it should come with some protection of some sort or the full amount is covered?

Not sure if Section 75 would be applicable as that may only apply to Credit Card payments, so still looking for information. Does anyone have a link to the complete Consumer Credit Act 1974?

Sorry Mat-yes understand these issues need dealing sep.

No worries. Any help is very much appreciated.

Hi all, I had the course part self funded and part cdl. My circumstances maybe a little different. I initially started and paid in '05/06 I think, due to family issues and getting a new job when I was preparing for the 270/290 exams I stopped.

I rang advent November '09 and asked if I could restart which they agreed to and I was delighted with and have since passed the CompTIA and was revising for the 271 exam, I was actually at a workshop in kiddy on wednesday for the 271.

I called barclays earlier today on the number on my statement (0845 6090060) they informed me I have two payments left but had an original finish date of jan'07 and since we are now well past that and I did not inform them of my circumstances then basically tough.

I returned to consumer direct and told them the issues and they are still telling me to do the section 75 CCA breach letter. I am following up other avenues and am in contact with another student who is also enquiring for assistance through different/other channels to myself, I am determined one way or another to get this resolved, even if it's just to get the books and exams paid for.

I was made redundant in august last year and advent agreeing to restart the course was a lifeline for me and now this, I am well and truly ****ed off.

Sorry, consumer direct also told me to say that I want paying/reimbursing for the cost of any materials/exams outstanding that would have been provided by advent as part of my course.

Right, this is taken directly from the Office of Fair Trading website:

"Under the provisions of the Consumer Credit Act, credit providers may share liability for any breach of contract or misrepresentation by suppliers of the goods or services which have been financed (even partially) by the credit.

The relationship between supplier and credit provider determines whether the provisions apply. Responsibility is shared if:

• the cash price of the item is over £100 but not more than £30,000

  
  

• the credit agreement is regulated under the terms of the Act

  
  

• credit is granted in the course of the provider's business

  
  

• credit is advanced under arrangements between the credit provider and supplier of goods or services."

  
  

Not sure if Section 75 would be applicable as that may only apply to Credit Card payments, so still looking for information. Does anyone have a link to the complete Consumer Credit Act 1974?

http://www.statutelaw.gov.uk/content.aspx?activeTextDocId=436428

http://www.statutelaw.gov.uk/content.aspx?activeTextDocId=436428

Thank you.

This thread will be a waste of time, unless more people start to post on it. Surely there must be many more people who took out a Barclays Career Development Loan.

Sorry, spent most of day trying to register. My registration email semms to have got lost in cyberspace. I have been with advent for nearly 3 years. Have been paying back my CDL for nearly a year. Contacted the Barclays CDL department, and was spoke to a person who didn't seem to have much of a grasp of english, let alone the problem. He explained that as I had signed the agreement, I was bound to their terms to repay the loan. I said I don't have a problem with repaying the loan, but that I wanted to know if they were going to provide alternative training, similar to those with the finance agreements. All he did was inform me that they are no longer offering CDL agreements for Advent. Well duh!

He aslo told me that the Barclays provision of alternative training does not apply to those who are doing the course!!!!! I asked if he was basically telling me 'tough luck', and he confirmed that yes, he was telling me 'tough luck'. ,

I asked about other finance options in 2007 when a salesman came to see me, and he told me that they weren't really offering any options aside from cash up font or a CDL. It's not even really the money that's bothering me. It's the training. I can't afford another course, and I can't get another loan until I've paid off this one. Why is it that Barcalys seem willing to help out some and not others? I just want to finish the training that I've put my money and effort into.

I even quoted the consumer rights act, but apparently, because of the clause that states I will be held liable for the loan, it can't be applied

I even quoted the consumer rights act, but apparently, because of the clause that states I will be held liable for the loan, it can't be applied

I am in a similar position, but I borrowed the money to pay off the loan last Month.

Where is this clause? As I don't see it on the paperwork that Barclays sent to me.

Apparently it's in all the CDL loans from barclays. Haven't got my paperwork with me, but will check when I get home.

According to the government site, the CDL was set up to priovide a loan for those futhering their careers through training. Don't the government have a responsibilty to ensure that the training for which the CDL was arranged is being provided?

As far as I can make out after looking at my paperwork and the CCA, for there to be shared liability between the supplier and lender then there has to be an agreement between them, there is no mention of Advent on my paperwork for the cdl with barclays, I presume from that (maybe wrongly) that there is no relevance to section 75 in my circumstances.

I did speak to consumer direct earlier who were, shall we say, quite busy, and was told that they were at that point under the impression that barclays would be contesting ALL section 75 claims.

Well before I signed up with Advent, they told me all about the Learning Skills Council and advised that I get a Career Development Loan with Barclays. It was the advisor at Advent that filled in the CDL paperwork and I signed it. So I am wondering if the Learning Skills Council provides us with that all important link between Advent and Barclays. There is nothing on my CDL paperwork saying that I am liable if Advent goes out of business.

Does anyone know who the insolvency group are yet?

I thought that this thread might be a good idea for everyone with a Barclays CDL, but it seems everyone is sticking to the other thread even though the Partner Finance is very different. So I guess it was a waste of time.

I've contacted government's insolvency team and had an e-mail back from them. However, since they company's still not registered as insolvent on their database they can't provide help in details but I'd be contacting them soon. Does anyone know if people, like me, who's taken Barclays Career Development Loan, are in any better position, at all. I'd spoken to Barclays 2 days ago and they appeared clueless, insisting that since my agreement is with them, I owe them all the loan amount that needs to be paid to them and no mention of whether they'd arrange me to get trained elsewhere.

As per BBC’s article, Barclays are trying to arrange something that’d allow us to continue doing our course. BBC News - Students in limbo as Hagley IT firm Advent goes bust

However, when I spoke to Barclays on Friday, they were clueless and didn't have any idea about this. There's nothing mentioned about special team who Barclays says have been appointed to handle this issue. I was talked as though, regardless of all this, I'm supposed to pay them the money back. My 1st instalment would start from March onwards. I don't know whether I'd start to pay them as yet or not. what I'd in mind is to pay them upfront before the instalment date, so I can get away from paying the interest. But I suppose, I better not rush and wait and see what lies next.

I have Literally just finished a call with Barclays CDL who have basically said that they currently have no information regarding Advent and their current status, however the terms of my loan agreement is with the bank and I am still liable to pay. She did however say to phone again in 3-4 days when they should have more information!

Not looking good at all. Advent turned out to be the worst mistake of my life.

james bond25, it seems that people who paid by Barclays Partner Finance may be covered under Section 75. If so, it is those people that Barclays will have to find alternative training for (or give a refund). A Barclays Career Developement Loan may be different though.

Tel1980, the call I had with Barclays was also a big waste of time. Speaking to someone who understands English would be a major help. Having said that, it wouldn't surprise me if they do actually understand perfectly, but purposely slip in to stupid mode when things like this arise.

I too am in this situation. I am currently paying nearly 5K and have paid over half already through a CDL. I just want my money back also.

I would like to just cancel my DD but have seen posts advising against this. I really hope we dont all get screwed over!!

i can not believe i have been played like a fool, i have just gone into the advent training website and there is message on there saying that they knew before christmas that barclay will be pulling out of funding advent,

i paid my fund on the 19th january and i was still in contact with the advisors firt Liam then sarah then their manager. no one had the decency to say that this was happening, if advent know this was happening they should have not kept me in the dark even after so many letters an email, Emma Dimmock told me that my complaint letter will be passed on to management and then she called asking for my brother details and this was a 2 weeks ago.

after paying the money they just dissapeared even when i tried contacting them.

i will be sueing barclays and taking them to court.

What is everyone doinf about this now? Waiting for this insolvency practitioner to call? Has anyone rang Barclays to freeze their DD? If Barclays dont find alternate training which i know many dont want anyway will Barclays have to give out refunds? I hope and prey we dont all get completeley screwed.

Has anyone spoke to a legal solicitor abouit this? What did they say?