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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
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Advent Computer Training (Barclays Partner Finance)Info and discussion thread


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hello guys,please.. desperate help is needed for me now..i can't think about any thing right now becoz of the stress BpF gave me today. I had a call this morning form bpf asking payment for this month. when he asked me straight away for my debit card details..i lost my temper and had a right go wit him. i know they started their tactics for harassing all of us. without any notice how can they remove freeze on the accounts?? when i refuse to give my details he threatened me that it would affect my credit rating and also mentioned about debt collecting notices..i know they cann't get over us. All i want to know is about fuzzbutt's case action..can anyone plz tell me what i need to send to the mentioned mailid and also do u think if all of us make individual complaint to [email protected] make a difference to the situation...

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hello guys,please.. desperate help is needed for me now..i can't think about any thing right now becoz of the stress BpF gave me today. I had a call this morning form bpf asking payment for this month. when he asked me straight away for my debit card details..i lost my temper and had a right go wit him. i know they started their tactics for harassing all of us. without any notice how can they remove freeze on the accounts?? when i refuse to give my details he threatened me that it would affect my credit rating and also mentioned about debt collecting notices..i know they cann't get over us. All i want to know is about fuzzbutt's case action..can anyone plz tell me what i need to send to the mentioned mailid and also do u think if all of us make individual complaint to [email protected] make a difference to the situation...

 

Hi raj4u,

You need to write a letter to BPF and state you are putting this account in Dispute state your case the reasons why.

basically you are not receiving a service and haven't done for 3months which is unacceptable. add your reasons why Computeach are not like for like and any other complaint you have with them if they sent payment demands to an account that was on hold is unfair trading practices. etc.,

State clearly you now consider this account in Dispute. and that they do not add charges or report data to the CRA's as you are taking legal advice and until this matter is investigated by the FOS they are now in dispute.

 

Just email [email protected] give your real name who you are funded by and your email address.

 

You're in the same boat as me Barclays are a nightmare that's why I'm still here at this time. the stress is awful.

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Hi folks, I'd like to quote two things we might have missed out:

1: (BPF fob off letter): (...) You are of course at liberty not to undertake the training with the new provider (...) - they clearly admit they cannot force you into agreement with Computeach, however in spite of that they still want you to pay instalments (@!$%#!^#!^#@!#%!)

 

2: Contract with Advent - definition of "Term" - indicates the Term may be extended over two years, but points to your death event (probably by mistake I assume), and point 11.1 - "Neither you nor we shall be deemed to be in the breach of the contract, or otherwise be liable to to the other, for any delay in performance or the non-performance of any obligations under the contract, to the extent that the delay in performance or non-performance is due to any circumstances beyond the reasonable control of the non-performing party and the non-performing party has notified the other party of the circumstances for the non-performance. Where such situation occurs the time for performance of the obligation shall be extended to take account of the delay" - and that's what what makes contract with advent extendable with no further financial outlay...!!!!!!

 

Fuzzbutt, any news?

Edited by panliberski
don't ask stupid questions
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another important thing - letter says: your contract with us is for unsecured personal loan... careful - that's a lie but important! It's a finance agreement, not a personal loan, and CCA may not apply if u miss that :/

 

tell me i'm wrong

 

8.- (1) A personal credit agreement is an agreement between an individual ("the debtor") and any other person ("the creditor") by which the creditor provides the debtor with credit of any amount.

 

12. A debtor-creditor-supplier agreement is a regulated consumer credit agreement being -

(a) a restricted use credit agreement which falls within section 11(1)(a), or

(b) a restricted use credit agreement which falls within section 11(1)(b) and is made by the creditor under preexisting arrangements, or in contemplation of future arrangements, between himself and the supplier, or

© an unrestricted use credit agreement which is made by the creditor under preexisting arrangements between himself and a person (the "supplier") other than the debtor in the knowledge that the credit is to be used to finance a transaction between the debtor and the supplier.

 

75 — (1) If the debtor under a debtor-creditor-supplier agreement falling within section 12(b) or © has, in relation to a transaction financed by the agreement, any claim against the supplier in respect of a misrepresentation or breach of contract, he shall have a like claim against the creditor, who, with the supplier, shall accordingly be jointly and severally liable to the debtor.

as I understand it - if you agree with Barclays Partner Finance that your contract is for a loan as described in paragraph 8 - then paragraph 75 wouldn't apply.

 

If your credit is for more than 5000, paragraph 8 doesn't apply (?)8(2)

Edited by panliberski
quote from cca 1974
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Hopefully something to pass on from the legal team soon everyone - they are considering a lot of issues at the mo with nearly 300 people on the list now, some paid off, some being threatened in arrears etc. Hoping the Access 2 Trade can be included too as their situation is very similar.

 

Meanwhile I think Bluedos advice above makes sense, insist this is not resolved and in dispute so you are not obliged to pay BPF anything, plus get your complaint in to the Ombudsman if you haven't already. Their process is pretty slow at the moment but they do reply if you send them new material for your case, and it costs nothing afterall. Keep copies of everything you send and let them have copies of all the bull**** letters from Barclays.

 

BPF do not even seem to take on board letters from Trading Standards, they are so convinced they can bluff and bully their way out of it, but all ammo is useful.

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I received my fob-off letter to my 1st complaint today from BARCLAYS PARTNER FINANCE with the usual "let us help you ourselves before you contact FOS" line. Do I need to complain to them again if I'm not satisified with this answer or go straight to FOS or do I have to wait 8 weeks - I'm a bit confused. :confused:

 

 

You can complaint to the Ombudsman if BPF have given you a final response and you are unhappy and/or the complaint has taken over 8 weeks (since your first letter) to resolve.

 

Its not much but BPF do get fined for every complaint that we make to the FOS also.

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Hi everyone, First post.

 

Had been following this forum until my partner suffered a miscarriage a few weeks ago and this whole thing went to the back of my mind. It's great that it's still going, I need to read through about 50 pages here to catch up.

 

My situation is perhaps slightly different to a lot of people in that my 'two year limit' was up quite a while ago. I initially signed up to study the MCDBA course with Advent in November 06 with all the same promises as the rest of you. I was in fact told I could take 10 years to complete if I wished, and was advised that it would realistically take me 3 years. I was on track to complete in three years when this qualification was retired. They never mentioned that this would happen in the interview!

 

In January 2009, 2 months AFTER the two year expiry date they offered me a place FREE OF CHARGE on the new MCITP course, which I took. So that's 4 more modules to complete after the two year expiry date!

 

My brother is a solicitor and has been advising me so far, Fuzzbutt he emailed you at the end of last week about what you are doing (my head is in quite a different place at the moment), which he thinks is great.

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thanx alot Bluedo..just emailed Fuzzbut..and need to complain FOS. Guys your help is really making me to relax a bit..cheeers.

 

Whatever BPF throw at us they can't get away with the fact that there is no-one on here or on Facebook that is receiving training so fundamentally they have not provided nothing. they think that by redirecting us to a substandard company that was already in their back pocket that they've done their bit.

Also they say you don't have to accept Computeach but will still need to pay them, FOR WHAT? :-x who do they think they are or do they think we are all stupid.

If you buy an item and it is unsuitable and take it back then they say we'll give you a replacement that costs less and is unreliable and if you don't accept it tough you still need to pay. Isn't that Bait and Switch and the law is quite clear. This is tantamount to fraud. :-x

They tell you one thing and sell you another. I am so mad for all the stress they're causing everyone and one of their bonuses would likely sort us all out

they make me sick.

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I just had my letter from Barclays partner Finance with regards to their "finding me" a suitable training provider ie computeach.

 

the letter basicly states that they have now completed their side of things and now expect me to start paying again.

 

So I called them and told the guy who answered that I still concidered the matter open and my account on hold as I did not wish to be again a computeach student.

He told me he could not put my account on hold, I need to write in with my complaints.. I asked if I could speak to the customer services manager.. but he replied not until I have written in with my points of issue.

So I informed him that under no cirumstances was they to give computeach money on my behalf and that I had cancelled my direct debit and this was in response to their letter.

 

I am not refusing to pay barclays money I have never reneiged on a debt before.. but as I pointed out to this guy.. the choice I am being given is go to computeach.. or else, this I feel is totally unacceptable

 

I cant wait any longer for the letter from Martin, I need to write in my letter of complaint now so its registered with Barclays in writing.

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I was also wondering

Does anyone know of or has heard of ANYONE actually passing all the exams and courses provided by computeach?

It would be nice to know

 

As an ex -student of theirs I am not aware of any.. and some of my mates tried a lot harder than I did.. I realised I was being taken for a ride and went and studied with Open Univercity instead... but all this happened many years ago..

 

someone must know something?? :idea:

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10 pack it's important that you place the account in Dispute and report them to the FOS.

 

Everyone join the legal action being taken at least then you will all receive proper guidance. I don't think we have a chance against them on our own. As this is just the beginning and they're showing how arrogant and uncooperative

they are by their replies. they have totally ignored our previous issues and not replied regarding any issues raised.

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FYI

 

Anyone who is in the "12 months interest free period" we were so generously sold by the Advent Sales Rep you can actually have this extended by the amount of time it took them to find new provider.

 

However Barclays have not told anyone this you have to ask for it.

You would have thought they may have done this automatically.

I only came about it because I asked what was gonna happen.

 

Might hold off payments for a while if anyone is stuck.

 

Hope this helps.

 

 

hi, thanks alot, that was true,

was a wonderfull help to know that, thanks ...

guys, remember to ask them exactly about this, at first she said I've to pay on may, when i ask about this again, she said ok, july!!!!

well, i asked them to confirm taht in writing, but at the moment is great to have more time before pay £6000 for nothing!

hope something good happen by then......

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Hopefully something to pass on from the legal team soon everyone - they are considering a lot of issues at the mo with nearly 300 people on the list now, some paid off, some being threatened in arrears etc. Hoping the Access 2 Trade can be included too as their situation is very similar.

 

Meanwhile I think Bluedos advice above makes sense, insist this is not resolved and in dispute so you are not obliged to pay BPF anything, plus get your complaint in to the Ombudsman if you haven't already. Their process is pretty slow at the moment but they do reply if you send them new material for your case, and it costs nothing afterall. Keep copies of everything you send and let them have copies of all the bull**** letters from Barclays.

 

BPF do not even seem to take on board letters from Trading Standards, they are so convinced they can bluff and bully their way out of it, but all ammo is useful.

 

 

hi fuzzbutt,

thanks alot for all the great job you doing...

how can i make sure you got my mail and include me in that list? was i soppuse to get a reply? shall i send it again? i just dont want to miss anythings against them,,, i've joined 2 facebook groups, signed petition, wrote to consumer direct, wrote to fos, saw citizen advisor, and.....

you are my biggest hope....

thank god i found you guys,,,, i'm having a really hard time by stress and depression.... you guys help me a lot....

thanks again ,,,

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I'm the same wasted my money Advent would not contact me for months always seem to be avoiding answering questions, we will get nothing if you paid cash they stole it as far as i am concerned i bet you the company directors are still driving their expensive cars, the bank will get the lion share of the assets whats left will be thrown to the wolves:-x

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Well I think there's a couple of points there that they'll be interested in ;)

 

 

 

1. Under the Consumer Credit Act 1974, businesses that offer consumer credit or hire must have a consumer credit licence. The OFT has a duty to protect the interests of consumers by monitoring the fitness of applicants and licence holders.

 

2. In considering fitness the OFT will take into account a number of factors including:

 

any offence or conviction of violence or dishonesty carried out by the business or anyone involved in running the business

 

failure to comply with the provisions of the Consumer Credit Act or other consumer protection legislation

 

consumer complaints and evidence of unfair business practices

 

evidence of discrimination on grounds of sex, colour, race or ethnic/national origin.

 

disregarding claims that debts have been settled or are disputed.

Edited by Bluedo
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You can complaint to the Ombudsman if BPF have given you a final response and you are unhappy and/or the complaint has taken over 8 weeks (since your first letter) to resolve.

 

Its not much but BPF do get fined for every complaint that we make to the FOS also.

 

Thanks Savarok so if I'm understanding this right - I have to wait 8 weeks from date of my 1st letter before I can go to FOS? And meantime do I do nothing or keep complaining to BPF until 8 weeks is up? And what about Trading Standards / CAB - should I involve them too now or wait for Fuzzy's friend. ;)

 

Incidentally I got the next BPF letter today, as others have, stating next payment due 15th May!!! :-x

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Thanks Savarok so if I'm understanding this right - I have to wait 8 weeks from date of my 1st letter before I can go to FOS? And meantime do I do nothing or keep complaining to BPF until 8 weeks is up? And what about Trading Standards / CAB - should I involve them too now or wait for Fuzzy's friend. ;)

 

Incidentally I got the next BPF letter today, as others have, stating next payment due 15th May!!! :-x

 

This is how it works:

1. You complain to BPF.

2. When BPF reply stating that they do not accept your complaint - you can then refer it to the FOS. OR. If BPF fail to respond at all for 8 weeks - you can then refer it to the FOS.

 

I received a letter from BPF recently (as did a lot of other people). This was, in effect, BPF's final answer. In it, they stated that they had acted in accordance with their responsibilities etc. I have, therefore, referred the matter to the FOS.

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Hey all ive just signed up with the consumer group. Ive been keeping up with all the threads on this forum and like yourselves are in dispute with barclays partner finance. Ive been sitting around waiting for something to happen but now enough is enough. I want this whole mess sorted out as soon as possible. I signed up with advent september 09 I took out a 5year finance plan through the sales rep, only made a few payments but they are not getting anymore. Im going to email fuzzbutt with my details.

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