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    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report? The three I have with the May date are moot anyway as either way they are gone  - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they. I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc? I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's. Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
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Advent Computer Training (Barclays Partner Finance)Info and discussion thread


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Hey all. just recieved my letter from BPF stating that my account is no longer on hold and I have to set my DD back up, which im not doing. I also sent a letter last week that I wished for my account to be put in dispute which i havent had a reply for yet so should i just hold out for a reply to that or send another letter.

 

I have not had the Dispute letter acknowledged either If your DD is cancelled as mine is too and I won't be setting it up either. I would just ignore it, If you are involved in the legal action we were advised not to contact BPF other than to inform them we are taking legal advice. and to put the accounts in Dispute.

They've ignored all our letters and haven't addressed any issues we have.

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We will have to be aware of many tactics they will try to trap you into giving them money. If they send demands for payment after they have received the dispute letter they can then be reported to the OFT,FLA,FLB,FSA and any other you can find that deals with unfair business practices.:D

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This morning i Emailed Computeach outlining all my concerns over the 'like for like', S75,and all manner of publicty surrounding this fiasco and the complaints against them,[all very politely] and would not be taking up their offer, and kindly remove me from the Computeach database.

The reply did not address any of my concerns, But would remove me from the Datbase, and still pointed out that i should still pay BPF.

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I asked Computeach would they send me all books and materials for rest of certificates if i won`t finish my studing within finishing date.

They said they won`t provide any more materials unless i`ll pay for another period. So access to them fully depends on the progress of our education and if we'll fail with deadline date we won`t even get bloody books for which we paid as well....

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sorry i aint been on here for awhile,my net went down..any updates?

 

recieved this letter :

 

 

28 april 2010

account no: xxxxxxxxxxxxxxxx

next payment due date : 23/05/2010

 

Dear Sir/Madam

 

I Wright in reference to your above numbererd account

 

Barclays Partner Finance has now sourced a new training provider to complete your training and i trust you have now been in contact with the allocated training provider (i have but i blanked them)

 

During the interim period of sourcing your new training provider, your account was placed on hold and no payments was requested from your account. I now write to advise that the hold has been removed from your account and payments will now become due in line with the terms ad conditions of your signed finance agreement

 

IF YOU HAVE CANCELLED YOUR DIRECT DEBIT INSTRUCTION WITH YOUR BANK you will need to have this re-instated. Please contact our customer service department on 0844 811 9000 who will be happy to assist.

 

IF YOUR CONTACTED BARCLAYS PARTNER FINANCE AND WE HAVE CANCELLED THE DIRECT DEBIT, you do not need to take any further action as we will reinstate this with the same details previously provided.

 

IF YOU DID NOT HAVE A DIRECT DEBIT INSTRUCTION IN PLACE you will need to make arrangments for an alternative method of payments as follows.

 

- debit /credit card payments can be made calling our customer services department on 0844 811 9000

 

 

-cheque payments can be sent to the above address (please include the account number on the back of the cheque)

 

- postal orders can be sent to the above address

 

-a standing order can be set up to account number 70185604, sort code 20-19-90 using your 16 digit account number as reference.

 

- bank giro payments can be made to any bank or post office (please call us to request a bank giro slip)

 

-internet or telephone banking can be also used sending payments to account number 70185604, sort code 20-19-90 using your 16 digit account number as reference.

 

your next payment will be due on the above date and on the same date each month thereafter

 

yours sincerely wilma thomson

customer relations manager

.

 

now i am stuck..wot to do next..took ages typen that out lol.

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so as I understand you guys are not going to set up your DD again, right?

 

cause I cancelled mine thats why i am being harrassed by phone. will they still put my account on hold if they found computeach?

 

this is very unnerving. lets hope the protest went well and lots of people showed up.

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anyone seen the news today?

 

"Barclays Pre-tax profits for the first six months came in at £2.98bn ($5bn), although this was slightly below analysts' forecasts."

 

Well congratu-flippin-lations Barclays! You must be screwing over many many people!!!

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so as I understand you guys are not going to set up your DD again, right?

 

cause I cancelled mine thats why i am being harrassed by phone. will they still put my account on hold if they found computeach?

 

this is very unnerving. lets hope the protest went well and lots of people showed up.

 

Hi Maygav,

BPF put accounts on hold at the beginning of this fiasco cos there was no provider, but now they have Da-Daa( with trumpets) presented us with compufail then they are reactivating the accounts and taking them off hold.

 

So we don't want Compufail so we Dispute that BPF have provided a suitable provider. So we have the right to place the account in Dispute sending them a letter which says clearly this account is in Dispute see my previous posts for template letter back a page or two. This also gives you rights to not be chased for payment as you can also tell them you are taking legal advice and if they phone you after the dispute letter is received by them then you can report them for harrassment. Take back control of this, they're not going to get away with treating us like we don't have a brain. fight back :D

That's also for anyone in same position either put account in dispute you tell them this is what your doing. it's not up to them to refuse to do it. or they will up the pressure.

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Oh Ive also just had the email that says it makes absolute sense to verify my student details, wonder what give them that idea

 

with incomputeach urging students to sign up and verify thier details seems very strange to me why would they want to do that if bpf have paid them for our tuition? or could it be once you sign up and agree bpf pay them? othrwise why are they so insistant on us signing up. i have not had a letter, phone call or email yet and dont rearly want any coms with them, the longer i dont hear the better the case against bpf will be for not providing an alternative.

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well i did write them a letter from solicitor who did this for free for me, but i basicly asked them to terminate the contract and return my money based on the fact that advent had ignored me since october last year and plus that they went into administration. to that i got a generic fob off letter. which was just this week, so i sent an email to put my account on hold but i have not managed to sent a letter yet, too busy, uf... i will on monday and i will adjust it a bit more too,

 

thanks guys for all you help.

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but i basicly asked them to terminate the contract and return my money based on the fact that advent had ignored me.

 

And then BPF ignore you too ,they haven't answered any letter I wrote except with their fob offs or payment demands. That would be a complaint letter you sent but you'll need to do the Dispute one to get the protection from the OFT guidlines. Don't want them to harrass you anymore Maygav they'll get their's soon.

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with incomputeach urging students to sign up and verify thier details seems very strange to me why would they want to do that if bpf have paid them for our tuition? or could it be once you sign up and agree bpf pay them?

 

Correct as far as it goes. I suspect BPF won't in fact pay them all of the money until their contract is completed.

 

David

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with incomputeach urging students to sign up and verify thier details seems very strange to me why would they want to do that if bpf have paid them for our tuition? or could it be once you sign up and agree bpf pay them? othrwise why are they so insistant on us signing up. i have not had a letter, phone call or email yet and dont rearly want any coms with them, the longer i dont hear the better the case against bpf will be for not providing an alternative.

 

Hi Mantaxi,

There's something not right about their insistence about getting us to pay BPF. think you may be right they'll not get paid otherwise. or maybe Barclays contract is not being fulfilled if we don't accept them. It stinks and all will be revealed I hope.

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