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    • Thank you. Please will you repost your images in one single multipage PDF file – the right way round et cetera.  
    • And just to reiterate – I'm sorry if the message above sounds a bit harsh. We have to get the message out to other people who visit this thread as well. I realise that you are having a difficult time and we will do our best to help you, of course
    • The last photo shows the overflow carpark looking at the block which our room was located. When we got out of the car my partner thought that the building was for staff accommodation.  The unsecured bedroom window opened onto this car park.
    • Also I see that you are doing a lot of this on the telephone – and without any written confirmation. This is a big mistake. You need to start taking this matter seriously and so everything should go in writing. If you have telephone calls then they should normally be recorded. Read our customer services guide. You should make notes about every telephone call and then you should send an email to your telephone correspondence confirming what they have said or what they have agreed. It is important that you keep detailed paper trails here. Of course we may be jumping the gun and maybe big motoring world will step up to the mark – but I'm afraid that they have a lousy reputation has you have seen and so you need to start practising survival techniques and protecting yourself. You say for instance in your letter of rejection that the mechanic told you on the telephone that the gearbox needed replacing. Do you have any other evidence of this conversation? This is going to sound a bit harsh – but other people will be visiting this thread as well for their own purposes. You conducted their research about this company before you bought the vehicle. You now are fully aware that this is a company which can be very difficult to deal with and causes a lot of problems for many of their customers and yet you are still taking a telephone/verbal approach. Do I need to say any more? Also one of the documents you put up is an email exchange but it is not clear who is writing to who or what dates. If you showed this email to somebody in a pub they would be asking lots of questions about who sent the first message, who sent the second message, what dates were they sent et cetera. Please think about this before you post things. Please can you clarify the details of that email exchange. Please will you present the information carefully. We are all volunteers here and we have to rely on you to do the spadework
    • I told the DM that the room was not acceptable because of the reasons already mentioned. He informed me that they were full that night and that they could move me to the room next door (would not solve my problem with the rooms location). Told the DM that I could not stay in the room provided for the night so left no option but to leave. DM did not reply and I walked out.  
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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£4650 Advent Computer Training - Newman Debt Collection Agents


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Hi,

about 10 months ago i signed up to take a MCSE course with Advent at a cost of £4650 by a very persuasive salesman.

I decided against doing the course after reading reviews ( should have done first i Know!), because there overpriced, outdated and generally a load of rubbish.

I was never sent any course materials and so never started the course and so forgot about them until November. When i recieved a letter saying i owed them the £4650 immediately.

Because i refused to pay them, my debt has been passed to Newman DCA of Leeds. I don't want to pay them for something i have never recieved and don't want.

Am currently living at my girlfriends parents and they are getting increasingly worried about the fact that they are threatening bayliffs and court action. Recieved a new letter today stating

 

We regret to note you have not replied to our previous letter ( i did by email and phone).

Debtors usually fall into two categories, those that CAN'T PAY and those who WON'T PAY . (both apply to me)

Due to lack of information from yourself we can only assume the latter and will advise our client accordingly.

Please telephone us on the number below to discuss the matter with a view to reaching an amicable agreement.

 

Does anyone know how i can get them to go away, after all, surely i don't have to pay for something i have never recieved which i emailed to them as thats how they started there contact with me.

 

Any help would be greatly appreciated

 

Ben

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I do remember signing something. i didn't have £4650 and my credit wasn't that good, so they offerd me what i think is there own in house credit which was without a credit check but at a huge apr.

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  • 8 months later...
  • 4 weeks later...

I know this industry and sector very well. The loans are regulated under the Consumer Credit Act and the finance co is bound to the terms of the Training Co agreement. The training co will have documentation that says it "delivered" the information or access to course etc in the same way you have a settee delivered. At this point TC are paid by finance co and your agreement is essentially in place. As you would now be outside 14 days cooling off you can only cancel with the consent of TC, the funder is essentially powerless, it has paid the TC day one and has to get its money back from somewhere. If you feel you have been misled / missold this is a different proposition under S56 of the Act. You need to deomonstrate this with TC ( copy funder in at all times) and follow it through as far as you can.

 

Finance cos have reservations about the training sector as the failure of a TC would mean they pick up the responsibility to provide product under S75 of the CCA. There are few funders active now in this sector because of this ( it is not like the delivery of a settee / tv, etc that is clear and without dispute) and they apply rigorous checks to all new training cos looking to provide funding.

 

Hope this helps but for once, this is not really a funder to blame issue.

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  • 1 year later...

We have a similar situation with regards to trainees caught up in the collapse of Property Professionals + (approx 1,000 people and average £5k each). Barclays Partner Finance do not seem keen to meet their Section 75 responsibilities.

 

Pressure needed from all victims of these training companies.

 

Joseph Pestell

Hon Secretary

Institute of Home Inspection

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Hi all

Been having anose around during a quiet spell at work and found this . .

IT Training Courses for a New Career in IT – Advent Training UK

 

Now if they are the right ones it seems they've gone under and if that is the case throws a whole new set of rules into the game

More reading to be done I think

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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I know this industry and sector very well. The loans are regulated under the Consumer Credit Act and the finance co is bound to the terms of the Training Co agreement. The training co will have documentation that says it "delivered" the information or access to course etc in the same way you have a settee delivered. At this point TC are paid by finance co and your agreement is essentially in place. As you would now be outside 14 days cooling off you can only cancel with the consent of TC, the funder is essentially powerless, it has paid the TC day one and has to get its money back from somewhere. If you feel you have been misled / missold this is a different proposition under S56 of the Act. You need to deomonstrate this with TC ( copy funder in at all times) and follow it through as far as you can.

 

Finance cos have reservations about the training sector as the failure of a TC would mean they pick up the responsibility to provide product under S75 of the CCA. There are few funders active now in this sector because of this ( it is not like the delivery of a settee / tv, etc that is clear and without dispute) and they apply rigorous checks to all new training cos looking to provide funding.

 

Hope this helps but for once, this is not really a funder to blame issue.

 

Mark,

 

Can you advise on the situation where the training company gets its money at the start of the course but goes belly-up part way through? Part of a vocational training course is not much more use than half a sofa (but no-one delivers half a sofa).

So trainees should surely be entitled to a full refund???

Barclays Partner Finance seem very reluctant to offer any refunds under s75 but then they are looking at a massive liability here.

Did they make proper checks on these companies before they started this lending? Did they continue to make checks? If not, why not? Is this not "reckless lending" that invalidates the contracts?

Very interested by what you have to say about s56 of the Act. Will look into that further.

 

Joseph Pestell

Hon Secretary

Institute of Home Inspection

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Hi,

We now have our petition up and running as well "help-PP-trainees". I am encouraging our folks to sign yours and hope that you guys are signing ours. The way that Government has allowed crooks to infiltrate the training sector is a joke.

We did have a good thread on moneysavingexpert.com but they have disabled it while they investigate further. That may be a good thing if it gives us more exposure on TV and radio via Martin Lewis.

Thinking of organising a peaceful demo outside Barclays HQ at Canary Wharf. Any of you guys up for that?

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Ratty

 

Both companies involved:

 

Anglo Capital Ltd

 

Advent Consulting Ltd

 

As they were named then have both gone into administration which means both companies are in breach of their training contracts..

 

Newmans usually act as agents for the original creditor, but even if they bought the debt - Advent are in breach of contract so tell Newmans to...............:eek:

 

David

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Doing a bit of homework yesterday on s56 of the Consumer Credit Act 1974 (which I think offers us a lot of hope) when I also found some info from Slaughter & May about the 2006 Act. That introduced a concept of "unfair relationships" which I think might well apply to our circumstances as well.

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