Skyblue, Have you hassled Marlin with all you could? There is/was petition on with over 330 signatures to be sent to them, you challenge them for CCA, send them quick overview about the alleged debt cicumstances, inform them about planned court action against them / BPF for damages, non compliance with CCA75 and so on... Just asking. As with all of that done, and a bit more (hassling them with emails, requesting response, sending quite harsh letters, where I dont chose the wording carefully anymore and so on) I got them to the point where they consider returning my files to BPF. And than still I sit on them with weekly reminder email, which gets more and more harsh. I just dont give a damn anymore. Also send all of that to Barclays CEO and managed to do the same by my MP. And so on. So just wondering whether you were just quiet and they decided you were good target to mess with or they just dont care anymore?... Also everyone, there is possibility again for group action as another lawyer is interested... Please check facebook group guys!!!

Thanks a lot blade, that be game changing for most of us I guess.

Hi all, I went a bit quiet on forum but not at all in my actions... I sent petition from to both BPF CEO and Marlin, than I involved my MP who pointed out they failed to comply with CCA 1974 and sent CEO letter on my behalf too. I also challenged double record with Experian. So far... Experian defended themselves and refused to remove anything, apparently they cant without consent of creditor, but they removed BPF record as BPF agreed?... So its swap to Marlin one for me. I sent harsh letter to Marlin as they already returned some accoutns back to BPF afer being challenged and pointed out all crap with those loans. Marlin is now "investigating" whether they can return my file too. So I sent them another putting more pressure and stating that I knew they already did it for others. Today I am posting another letter to CEO asking to respond to my and MP letters. Fingers crossed. Ah one more: BPF kindly gave last letter saying they've got nothing else to add and aware I could go legal route. BEWARE BPF. We wont stop!!!!!!!!!!!!!!!!!!!!!

Yeah thats good question really. We dont know. What we know its been very quiet on this and other old forums... Why?... What people up to? Dont they got hassle from Marlin? They gave up and keep paying for no service? Went bankrupt and dont care anymore?... Facebook group is sort of active with their petition. And by the way anyone who has not signed it yet please do it asap and spread the word too. It is here: http://www.change.org/en-GB/petitions/barclays-partner-finance-refund-money-or-cancel-agreements-remove-from-credit-file?utm_campaign=petition_creator_email&utm_medium=email&utm_source=share_petition

Skyblue and others, please google for this Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983‎and check the ICO guidance based on this document here http://www.ico.gov.uk/for_organisations/guidance_index/~/media/documents/library/Data_Protection/Detailed_specialist_guides/default_tgn_version_v3%20%20doc.ashx - this one is much easier read, and for you (and probably me too soon) gives strong case against double record and possibly default itself. Especially look at point 32-45 and 2 last pages. Once you happy you got the grip on it file case with ICO, so do others and lets harras the ****.

Not entirely sure I understand. So, OC should leave his record in oustanding state? Or should add "Settled" as the last update? DCA: starts new record and match all but "settled" obviosuly?

What I managed to establish for now yes, the debt has been sold (got that on letter responding to other query from OC, along with usual welcome-bye set of letters). So at the moment i have got both accounts open, with oustanding amount and basically different default date. Surely this is not right? So what OC is supposed to do? Put settled? remove marks and default to be carried on by DCA?

Hi All, Sort of struggling to find clear explanation hence my question below: If DCA bought the defaulted debt of OC and mirrored that on my credit file in defaulted state - is that correct? If not what should be correct: 1. Original account with defaulted history but settled status? Or default or any marks removed, as it would be reflected in record added by DCA? 2. DCA record for this loan should be in current state or defaulted state to start with? Can I have both accounts in default (even if original is "Settled" now)? If any the above is not right, what is the course of action to correct it? Is there legislation regarding what and how can be added to credit file? If I request any amendments can I base it on any legislation? Any clarification would be much appreciated.

Ahahaha... "To send PM your post count must be 30 or greater..." It changed I believe as I could send those, and sent quite a few in the past. 10pack if you are happy with it just send me your email in PM.

By the way, interesting thing is that my letter sent to Clydesdale Financial services trading as Barclays Partner Finance was signed by "FIRST PLUS". Not that I expected somebody's name there but First Plus? I googled it and it came as another Barclays partner or trading name... But hey, I havent sent anything to First Plus so why they sign it?... Also check PM, I sent you my email. We can share what is not supposed to be publicly visible.

I hope we will know much faster from Experian enquiring them. They (Marlin, Barclays etc) cant provide wrong information to them without justification I believe. Also would be nice to have experienced Cagger explain to us how is it with double record with default on credit report...

Hi Guys, Same here. I have another account added from Marlin with the same balance and in default state. I rang Experian today asking for explanation. They said they they didnt know it was same loadn and were going to ask both Marlin and Clysdale for details. They dont know anything about debt being sold by Barlcays (apparently they should know if that happens). They told me, when this is the case BPF account should read settled at least. But I am not sure if this is right to have 2 x defaulted account, even if one is settled. Anyway waiting for response from Experian and will see. In meantime waiting for CCA and DOA request being fullfiled by Marlin. This all smells like one year old fish and egg stuck underneath a bed...

Guys, can someone confirm that Cardiff address for Barclays Partner Finance is still valid?

Right, response for CCA and DOA from Marlin: "We write with reference to your letter dated (...) and your request for further information and documentation. We confirm that as we do not hold all of your information on file, we have requested a statement of account and copy of agreement from the original creditor and we will forward to you upon receipt. If you wish to discuss the matter further (...)" bla bla bla, unreadable signature (photoshoped). So shame I sent them signed check for statutory fee which they already cashed. They unfortunately got my signature this way. Anyway will see what and when they send back in response next time. My guess? Nothing really valid and legitimate. Will let you know guys.

Yes you right! The account number is incorrect!!! But my CCA request with signed check already posted... Will be meat for Trading Standards i guess...

And by the way guys, I always see the advice to not sign any documents sent to those crocks, so I use digital one or type-like font. But than when sending CCA or SAR request I have to pay a fee by check. And than I have to sign the check... So in fact I am forced to give them my signature anyway?..........

Good point 10pack. I have just posted request for agreement copy from Marlin and will send SAR request to BPF later this week too. Lets keep the ball rolling....

In the same boat as you guys. Received nice new year letter from Marlin on the same date. Was considering my options and than today received another one this time from Marlin Financial Services (same crap) stating that I need to contact them to set up payment plan and supply loads of personal information (form on second page). Well yeah I cant wait to fullfil all of that... Instead decided it is time to ask for CCA and correctly signed DOA. I dont even waste my time and money calling them as this is useless anyway. Will see what happens. I am in this (slightly) better situation that in fact I could afford monthly repayment. But 7k for 1 book and 3 weeks of so called course? NO F... WAY. I might give CCA request a go against Barclays Partner Finance later too if lucky with Marlin. Why not to try my luck when Barclays proved so many times they've got mess bigger than Everest there... who knows... Anyway, even so I followed our forum closely for very long time and also been in Fuzzbut group I missed your - 10pack - lawyer group. Is there a way to still join you? I even considered to put some money forward but so far most lawyers I spoke to were asking for thousands with no guarantee.... And I ask again here: IF Barclays is so entitled to our money why still we had no court and bailiffs on us???

Right, so I have some update. But first company name as I hate them from now http://www.scan.co.uk - welcome I have started the case with credit company as I was tired of Scan. After some time they come back to me asking for warranty terms. All terms I had were on back of the invoice which I had already sent to them. Week later (about week ago) I received response from credit card company, which was word in word same as from scan.................. Basically if SOGA i have to prove fault was inherent from buy date, and if warranty - they were right offering refund based on reminder... In the first case I asked Scan already what kind of proof they would accept. In second I asked on what base (there is nothing about that in term as conditions) they justify reminder of warranty as base for refund. Questions were always avoided, never had any answer to them. I am getting tired of it to be honest. I have read / quoted SOGA and OFT guidance to no avail. Its like hitting the wall. What would you advice?...

Blitz, I have used the card for gaming but lets say average, normal use. Developed fault showed up as artifacts on the screen. As I am from IT industry too, I could say that probably one of memory units started failing. As you know that happens and normal memory sticks (RAM) develop similiar fault too. But thats not up to me test and decide. The market value of similiar cards (taken from eBay with bids on auctions) is anything between £70 and £100 what would be in tact with around 3 years life span for such card. What I am however concerned most here is that retailer is so free to decide about value and way to solve the dispute. I am concerend about any future purchase because I feel that in case of failure I can easily loose market value of the item when retailer decides its worth 10% after year or two. That doesnt feel right. In my case I would be happy with at least 2 more years, but for offered refund what I could buy now? I am not sure how could I contact Sapphire directly now. Will try to follow that somehow. What about credit card way here by the way?

Sparx, Thanks for your input, but honestly I do not get it: " If a "reasonable person" would expect a card to last longer than 2 years then they have misread the legislation: http://www.oft.gov.uk/business-advic.../sogaexplained"... I should not expect the card to last longer than 2 years? How does it play with refund amount? I have read OFT guidance already, but it is not clear to me. All I could see there was refering to items broken from the beginning, my card seemed to fail after several months. Is it the same? I am lost there. Thats why I came to ask for help and explanation here. Thanks a lot!

Hi everyone, One of major UK online PC components retailers, with whom I had very good experience for several years, dissapointed me big time recently. Graphics card i bought from them nearly 2 years ago developed a fault which was confirmed by them after posting the item over to them. On the 2 years warranty there was about 2 months left, therefore I was quite happy the fault appeared now rather in few months time. So what was my dissapointment when after around month waiting I was informed about refund in amount... 17 pounds + VAT!... for card I paid 209+VAT. The card is no longer on sale therefore refund. I do understand that I have received benefit from the item, but... I have received 90% of it already?... The company backed their refund with: 1. "Disproportionate cost" A retailer can decline the repair or replacement remedy if the cost would be disproportionately higher than the cost of Reasonable partial refund. We therefore reject your request for a repair or replacement 2. I can confirm all refunds we offer are calculated inline with current legislation, and a benefit of use deduction is applied, an extract of the legislation is shown below for your reference: a partial or full refund, depending on what is reasonable in the circumstances. It may be the case that a full refund is not the reasonable option because the consumer will have enjoyed some benefit from the goods before the problem appeared. This needs to be taken into account before a reasonable partial refund can be assessed. 3. The card is warrantied for a period of 2 years, if the card fails within the warranty period and we conclude that the refund route is the only possible route available the refund is calculated to compensate you for the lost months of warranty due to the premature failure of the card under warranty, from the records it seems the card had 3 months warranty remaining, so the refund offered is made to compenate you for the 3 months of warranty you lost. So to sum up, I was offered refund, based on the reminder of my warranty period. I suspect that is not right at all. I have tried to bring into dispute "reasonable amount of time to expect the goods to last" term but it wouldnt stand their arguments (I probably wasnt consistent there, but hey.. im not a lawyer, just consumer). I have also paid for it with my credit card, it should open the door to claim against credit company. But should I ask the retailer for the product (faulty) to be returned to me first? What about the warranty left than? I have tried to look up this problem but could not find any definite answer Is it than correct that with warranty running out value of eventual refund also is going to zero?... Does not seem right to me. What would you advise friends?

I have received Barclays answer for letter from my MP. They explained they could not answer to MP because did not have my signed authority do deal with MP. Anyway letter looks like a bit more customized then previous spam trash from them. But only a bit. It answer some questions from template letter we were provided (to send over to MP), but some of those questions treated about whole community concerns not neccesarily mine (like level of APR - different for everybody). And BPF answers are pointed at me (welcome mass spam template) despite of my detailed situation in MP letter. Anyway all copied to our legal team. And still awaiting answer from FOS (no much hope in them though).

I just received "final" answer from Barclays regarding account in dispute. Basically they assured me that Computeach is like for like and they have (Barclays) "taken steps to ensure that Computeach will meet the original terms and conditions provided to you by Advent"... - it looks like confirmation for their tactics to "adjust" Compucrap offer to fit with Advent. In addition: bla bla bla... "...you have not been able to provide us with any evidence that the training now being offered is materially different to the training to which you subscribed under the Agreement and therefore have failed to indentify any basis on which you may reasonably refuse to accept the alternative training offered"... I basically boiled after reading that sentence. So after you buy red coat they offer blue blouse, and its yours business to prove that is not like for like?.... And again I have 8 weeks to answer this crap. Fuzz, shall I put all my arguments in next letter (but than it will cause answer similiar to last letter from Hogan Lovells), or just leave it with our legal team? Simply its impossible to prove anything, since whatever difference we raise they say "no its changed especially for ex-Advent students":mad:. However what about 3 months lost (Jan - April) or 6 (up to now), excluding Computeach in process of choosing Advent, promised job (3 months, pass CompTIA lvl, 20-25k job), lack of proper credit check - i was out of job end of Jan, and salesman was informed, etc.... And finally what about my basic right to say NO. Thank you very much, but after all of this I do not wish to be offered alternative doubtful provider at all? What you think guys?

I checked this link very interested, to find out which bank is "the best" to choose. And to be honest I cant see this table very useful for the reason, that number of complaints is not related to number of clients they have. We can see that Barclays and Lloyds are on top with almost 10k complaints, yeah, but if they have lets say 3 times more customers than other bank with 3k complaints, this next bank isnt any better though... So I had a look at percent of casses resolved in favour of customer, and most banks of my interest are placed in 50-70% range (more of use in fact, showing where complaints where legitimate, more and less), and my conclusion is they all same offenders in fact... So im staying with lloyds, just have more awareness of their ethics, or lack of it...