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    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
    • cause like you said in post one, 99% of people think these are FINES (it now reads charge). and wet themselves and cough up. they are not, they are speculative invoices because the driver supposedly broke some imaginary contract by driving onto privately owned land which said owner may or may not have signed some 99% fake contract with a private parking co years ago, thats already expired or has not been renewed or annually paid to employ them dx  
    • My car DVLA details are 100% correct and up to date, guaranteed.  I lived at my address longer than I have owned the car and made sure the details were correct when we transferred ownership of the car, so it's not that.  It must be their second-hand eBay cameras.  I've emailed the CEO with evidence and laid it on.  I will keep this post updated with the outcome.  Thanks again FTMDave .  I appreciate the guidance. I hate these predatory parking cowboys.  How are they even legal?
    • there isn't one use that default dx  
    • upto you, if you have no assets like a home in the UK, there is absolutely nothing they can do even if they do get a judgement. i see you state last payment was 2021, so i will guess your notification to lloyds of a change of address was sent within the last 6yrs so they should have record of it on their system. why not give them a ring and ask what address they have for you? you could do AOS and defend the claim stating you are and have been resident in xyz since date, here is proof.  you could also send that to PRA demanding they discontinue the claim immediately. see what you can find out. you've till atleast the 19th (aos date) . dx      
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Advent Computer Training (Barclays Partner Finance)Info and discussion thread


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apparently the company they bought the books off went to get there books back because they were owed so much money went to the mews and found all their offices and rooms totally stripped clean which implys that they had plenty of time to get the stuff and scarper so may be the police should investigate these mugs because where is all the money

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hi we have been 'done over' too. i have been advised to write a letter to barclays partner finance. but what i would like to know is how i would go about it. does anyone know of any templates or can copy and paste one on here.

thanks in advance.

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hi we have been 'done over' too. i have been advised to write a letter to barclays partner finance. but what i would like to know is how i would go about it. does anyone know of any templates or can copy and paste one on here.

thanks in advance.

 

this is a template i found

Consumer Direct - 1 Consumer Credit Act 1974 - Template letter for use when Goods and Services have been bought on credit

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hi thanks for replying so qwik. i fpound this one too but it didnt look right because we havent bought an item. or maybe i just dont understand it. confuzzled me a little :? :-|

 

this is the template people from the facebook group are using. yeah does seem a bit confusing lol. we have bought a service which has not been provided :twisted:

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The templates are ok,you just need to tinker with the wording-it still serves the purpose.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Can you confirm that your agreement came under CCA74 ?

How much have you paid ? How much is outstanding ?

Have you still got a copy of your original agreement ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Can you confirm that your agreement came under CCA74 ?

How much have you paid ? How much is outstanding ?

Have you still got a copy of your original agreement ?

 

Excuse my ignorance, but what is CCA74?

 

I have paid about about 2 thirds of 4.7k

 

And yeah I have all my paperwork still.

 

The most frustrating thing is having been almost done paying, and then having the rug torn out from under me. After struggling with such bad service in the first place. It's so unfair.

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Can you confirm that your agreement came under CCA74 ?

How much have you paid ? How much is outstanding ?

Have you still got a copy of your original agreement ?

I have a bit of paper that mentions the CCA74, I took the loan out in November 2008 with the deal i had to pay the £4,950 within a year which i managed to pay it fully by November 2009.

 

So my loan has been fully paid, Im only halfway through the 1st A+ Essentials book.

 

I also have a copy of the 3 bits of paper from Barclays.

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Good evening all,

 

Another unhappy Advent Student about to moan. Its a very difficult situation for all, myself i was in process of training on the Master CIW Website Designer program with Advent, costing £4750.00. Like they have said to us all, quote. ' we can complete at our own pace, at our own time '

obviously not. After taking all the time to complete the A+ essentials pre workshop material and setting my self for the two workshop dates i get home to find this e-mail and have the midlands BBC broadcasting the fall of the company. GUTTED. Like all we are all left standing trying to find a way to turn and find a positive way out of this. The IITC are on to it trying to find a solution saying that students should be able to complete the training with another accredited training provider from the IITC, but again what saying this wont happen again???

 

luckily enough i paid my £4750.00 pounds of another way rather than baying back barclays partner finance with there stupid amounts of APR shoved on top totaling a pay back of nearly £10,000 !!!! i went into barclays secured another loan with alot lower interest rate and got them to pay barclays partner finance the £4750.00 and then me owe barclays the money totaling a paypack of £6500 max. so i dont know were this stands as by the looks of it does barclays partner finance owe barclays or would i have to still pay off the loan with barclays??? confused ??? help

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Am I the only one who thinks that telling us we can complete our training with another accredited training provider just isn't good enough? I do not want that. I have had a crappy experience almost from the beginning, (except for the people who ran the classrooms sessions) and now that I have no chance of getting a good service from the company I signed up for, I want out.

 

I should be able to decline the offer of tutoring through a different company.

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Hi jekkers,

 

I must admit to you the service from Advent was not the best a company could provide a customer that has just shoved £5,000 in there accounts, but carnt rearly comment on the classroom experience as wasnt able to attend due to work commintments but was going to within the next mounths offering. you should though as you say be able to get out of this mess along with everyone else the way that suits you. its just a real tricky situation and you also should be able to decline alternative training if found to cover the course that you were studying.

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Am I the only one who thinks that telling us we can complete our training with another accredited training provider just isn't good enough? I do not want that. I have had a crappy experience almost from the beginning, (except for the people who ran the classrooms sessions) and now that I have no chance of getting a good service from the company I signed up for, I want out.

 

I should be able to decline the offer of tutoring through a different company.

 

I think legally you/we have a right to do that. The issue is that Barclays are in breach of contract the way things stand currently.

 

They are trying to remedy that (and avoid paying out) by providing you with another training provider (or saying they will).

 

Joint legal action is the way to go I think. Strength in numbers :cool:

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CCA74 = The Consumer Credit Act 1974

 

We are waiting for someone to post up here a copy of their agreement to look over.

In some cases lenders have recourse under section 75 of the Consumer Credit act.

For others,it will be a matter of trying to get money back from the administrators but Advents biggest creditors would probably get the first bite of the cherry,and as yet its not known what assets and capital remain for any liabilities.It will take some time for this to be established.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Im looking at my agreement now it reads as follows;

 

the consumer credit act 1974 lays down certain requirements for your protection which you should have complied with when this agreement was made. if they are not, we cannot enforce this agreement without getting a court order. the act gives you a number of rights:

 

you can settle this agreement at any time by giving in notice in writing and paying off the amount you owe under the agreement which my be reduced by a rebate examples indicating the amount you have to pay appear in the agreement

 

if you recieve unsatisfactory goods or services (Jekkers) paid for under this agreement you may have a right to sue the supplier, us or both.

 

if the contract is not fulfilled, perhaps because the supplier has gone out of buisness, you may still be able to sue us

 

if that helps at all, or would a full scan of the documents need to be posted???

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Scan would be good if not too much trouble-remove any personal identifiers.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Im looking at my agreement now it reads as follows;

 

the consumer credit act 1974 lays down certain requirements for your protection which you should have complied with when this agreement was made. if they are not, we cannot enforce this agreement without getting a court order. the act gives you a number of rights:

 

you can settle this agreement at any time by giving in notice in writing and paying off the amount you owe under the agreement which my be reduced by a rebate examples indicating the amount you have to pay appear in the agreement

 

if you recieve unsatisfactory goods or services (Jekkers) paid for under this agreement you may have a right to sue the supplier, us or both.

 

if the contract is not fulfilled, perhaps because the supplier has gone out of buisness, you may still be able to sue us

 

if that helps at all, or would a full scan of the documents need to be posted???

 

 

Thank you for typing that out.

 

So, to get my money back, I will have to sue?

 

Sigh

 

Any chance Hitatchi will make a good will gesture, or am I just wishfully thinking?

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