hi wicko here not been on for awhile been waiting for final decision from FOS. surprise surprise they have come down on BPF side. i am a guarantor for my son as i thought until we moved and i found his advent enrolment forms in a box after we unpacked. i looked thru it and found to my surprise he had not sent it off and there was three papers, blue copy- student, white copy- office, and pink copy- adviser.not a signature in sight from advent no start date no end date never got to advent. i photo copied them and sent it off to the FOS with all the other data i had but they said this does not proof your son was not enrolled in the course, i am at a lost to understand how they come to this conclusion. they also say that under the credit act they can not find a debtor- creditor- supplier relationship.so there is not a valid claim against barclays for a breach of contract or misrepresentation in this case. where is the money i signed for,i did not get it so who got it? you fight and fight but its like hitting your head against a brick wall. what the hell do i do how. wait for barclays to take me to court and hope the judge sees it how i see it. any ideas. losing my mind.

thanks fuzzbutt its like banging your head against a brick wall trying to get some where with BFC. waiting for the final answer from FOS. BFC wrote to me before Christmas about the result but not heard from them myself . makes you wonder who's side they are on if any waste of time going top them. once again thanks for your help. wicko

hi fuzzbutt wicko here i sent you an email to your email address about the link to hausfeld did you receive it or shall i try again cheers for all your help. wicko

hi just found this forum been fighting with barclays for a year now. been to see CAB who where very helpful. still barclays would not listen just got letters from a different person. went to the ombudsmen they where a waste of time.find myself in a different situation as i was a guarantor for my son who was out of work and could not sign on the dole as he was to young so i think there was some miss selling going on, advent sent him a book then we heard no more until i read that they had gone bankrupt . i would like to join the class action but do not how to so a little help would appreciate. all the best cheers