If the only thing left for us now is to take up individual court action after all this time then I'm a bit dissapointed. I HAVE NO MONEY!!!

Hi! I'm confused. I never met anyone from Advent, not even in September 2009 when I was corrisponding by phone and e/mail with them for this course application. All the documentation was done by email therefore all I have now and is considered a copy of the Advent agreement is a black and white paper form they sent, on which I had to put on my details and the start date of the course, which In my turn I sent back and that's it. I've never had in my possesion a form that is also filled or signed by one of Advent's representatives. I was supposed to meet someone from Advent but he never made it to London as he said. I admit kids wouild have done this better, I was anyway fooled and tricked and made to believe everything was so easy and fine Is there a way of using the fact that they never sent me back the form filled by them as well against BPF, could I prove somehow I never received a filled form back?

Hi! In the contract I couldn't find Barclays can keep their end of the bargain by any means they can think of. It doesn't say: if the Provider fails to provide then we have the right to find you another Provider but it says if the Provider fails we can sue us and I put my signature only for what the contract says. There will always be another Provider and if there wasn't I thing Barclays would create themselves a Provider ("The best Bank, The only Bank in the world that besides banking provides IT courses, our staff are specifically dual trained). Maybe I exagerate but I hope my point is clear. I signed a paper on which says: Retailer name : Advent Consulting Ltd

..."and barclays now want us to pay even though they have not supplied us with what we want" I still struggle to understand this, when I make a contract with an institution, that contract states clearly black on white the type of relation between the parties. I look at my contract with BPF and I can't find anything that would enable Barclays to do what you suggest, it's on the contrary: THE CONTRACT says I can sue Barclays in case Advent went bust, that's it and no more. BPF is nothing but a Finance Partener and should act as a Finance Partener as their own name itself states, they are not a Supplier nor a Provider; they forgot who they are and do and if the Law with all its interpretations and points of view, doesn't make clear at least this, then we can never be sure Law permits as to cross the street on green light.

There are still many unanswered questions as to what happened before Advent went bust, between Barclays and Advent. We have no proof Barclays paid full amount of money to Advent, on our behalf as it is believed and if that would have been the case why going into administration for lack of funds? Then as you say it is quite curious; to be accepted for a £6000 loan we only had to sign. Advent did it all so easy and fast as if they had some sort of unofficial deal with BPF. Then as it appears Advent kept accepting applications even though they probably knew their realtionship with BPF was going worse. I have the feeling that BPF just before taking any decision concerning Advent and us, had foreseen what would happen further and as a result Barclays might be a step ahead of us.

If we could find a way to prove that, it's because Barclays that Advent gone bust, would be great. It would be a decisive positive progress in our case. And the behaviour Advent had on knowing we'll come to this it's weird. It's like they've somehow hidden by going bust.

Why would you trust someone who seeks not the good of people?

Nothing will happen, you can clearly forsee this.

Hi! I'm in the same situation as there are more of us. I don't know a best thing to do especially for us whom are uncovered by S75. I signed up to the legal team and hope something good will come out for us as well, eventually.

Probably we should focus more on why did Advent go bust, in the first place. That is the root of our problem and there might be the answer. If it went bust because of lack of funding then it would have meant that almost any of the 6000 students (or the majority) signed up with BPF. Wasn't there a legal relation between Barclays and Advent that would have committed Barclays to fund the Provider on our behalf?

what I mean is: We all know the risks of not paying! What about the risks of paying? there could be one just above. Are there any others? If there are, then they would make sens why Barclays is so aggressive in making us pay even if we win in court. maybe if we win Barclays will find a way not to pay us back. Other thing is: wouldn't it be better for Barclays to just sit confortable back and let us not pay and so go into interest period and so get penalties?! IT just would be more money for them. Instead they assault us in every way they can to just make us give them more, and this is maybe because they know that once we pay we won't get it back!

Could anyone outline some more reasons not to pay Barclays even if we'll win this case?

You might be right though! I must admit I'm not sure on this matter. Anyway it's worth enquiring.

On a few pages back I think, I once read some posts, which said that until we sing an official agreement or something formal with the lawyer, we are not properly represented by the lawyer and I also understood that the one/ones who represent/s our group has done this.

From this I understand that you choose not to pay and take the risk of paying double plus penalties. I honestly don't know what to do, I have something saved for this but it's far from being enough. I've thought of borrowing from my relatives and so try to get rid of the high interest but I see many of us here who are not paying and this is what I would like to do, but the fact that I have a sponsor and this makes this a bit complicated, really gives me headache. I don't know what to do. I haven't heard much from the legal team lately, about this, about sponsors, and it's a real fact that although I'm a part of the group, practically I'm not part of it, officially there are only a very few who are, from what I understood!

Does it make sens? You talk about us giving in and pay the money to Barclays as if it was a Barclays victory, the moment you pay the money. Why would they want to take the money from us, knowing, in court they will have to give it back???

The 24th Sept is the last before the high interest loan applies. If BPF doesn't see the money from me on that day, then they expect me to pay 12000 over four years. That's crazy! Is anyone dealing with, exactly this situation already?

If we get a refund, we get back all the money we paid Barclays, that includes the high interest, isn't this right?

Why Barclays is so aggressive in making as keep up the payments? After all we could consider our case a good case against Barclays with high chances of winning. If Barclays is aggressive because, as some of you mentioned, knows it doesn't stand on solid ground, then will it make any sens asking for money so it could give it back to us again? Or, may It be the case that once Barclays grabs our money then it would be harder to get it back, even on a good court case?

Well, I suppose as long as London has public bicycles with Barclays name on them that make me sick, what The Sun says, doesn't really matter, does it?

Hello Fuzzbut! Any updates for sponsors from the lawyer? Thanks a lot!

I'm a sponsor case and I'm a bit frightened of what Ingrid could say about it! Just, it wouldn't be fair, after all this time of waiting and hoping for something from the legal team / class action. Months ago, I remember being directed to Fuzzbutt to take part in the class action. I didn't need to pay for a lawyer, I've already paid (or going to pay) enough. In Sept my brother is due to start paying with interest,on my behalf, and he keeps asking me about this all situation. I have no serious job (I haven't been helped yet by Advent to get a job and so start paying) and I haven't got all that money. BPF should check that there's no Database Administrator or Web designer degree with my name on it. I don't have a £5400 or so a year so it can claim £12000 for the training they paid for. It's them who paid, it's them who withdrew the funds, it's them who considers us puppets to decide on our behalf, it's them who ignore the law. I'm angry because the people still don't know/don't care about this/about us!

Does anyone know for how long BPF will consider my account in dispute if I ask for it?

The only signature on my advent contract is mine!

Hello there!! This has been going on for too much time! This destroys me psychically and yet the same talks, attempts and complaints like when it started! I rely on Fuzzbutt and the legal team, cause they seem the best option and I know it takes time and patience and I'm very grateful to them and still I'm starting to wonder and ask my self for how long this will go?