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    • Hello, welcome to CAG. As you say, appealing this ticket doesn't help as these people hardly ever accept appeals. They don't care how difficult someone's life is, they just want the money. The forum guys should be along later with thoughts for you on how to deal with this. Best, HB
    • I have received an email in the last 10 minutes 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024  It also includes a "Notice of Hearing" stating that the application hearing will take place on 13th June at 10.00am.  Confused as to whether I need to attend this ?
    • I've received this notice to keeper. I work for the NHS and was delayed due to patient care. I park here regular and and have never had any issues. I've looked at the evidence on the portal and other than showing that i entered at 12.59.33 and departed at 17:14:14 it doesn't state how long i overstayed for. I paid for 4 hours parking over the phone which i wont have done till i got parked but as its over the phone i have no receipt or record but it is not possible for me to have been in excess of 15mins from the photos alone but I'm unsure having read other threads whether grace periods are 10 or 15 minutes. I havent appealed yet but and was about to but in appealing i'm showing i'm the driver which i gather is something you state we must never do. I don't like confrontation but £60 seems extortionate. Hope you can help. 🤞 1 Date of the infringement 30th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 30th May 2024 [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No reference to schedule 4 just says"...we the creditor reserve the right to recover unpaid parking charges from the registered keeper in accordance with POFA 2012." 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up NA 7 Who is the parking company? Carpark securities 8. Where exactly [carpark name and town] Northgate, Halifax Former Dews Car Park HX1 1XJ For either option, does it say which appeals body they operate under. IAS There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   Notice to Keeper.pdf
    • It never seems to amaze me how the chuckleheads think that No Stopping can ever offer a contract when it is prohibitory. In any case you did not accept the contract by entering the land, you entered the land to get to the airport for goodness sake. In most car parks there is a Consideration period that allows motorists to decide whether they want to stay in the car park . Here on a road, there is no consideration period and whether the motorist finds the terms agreeable or not even assuming that they are able to understand that they are being hoodwinked into believing they are being offered a  contract they cannot turn back. They have a plane to catch and even if they did turn back because they didn't accept the  No Stopping term of   the so called contract they would still have had to stop to turn around. Plus there is a question of Frustration of Contract. You had to stop at a pedestrian crossing .    
    • Just a couple paragraphs their WS that it might be useful to refer to specifically in the OP's WS... Para 6 A contract was formed with "the driver" of the vehicle. Para 8 "The driver" accepted the contract. (The "driver" is not named, or identified anywhere in the WS). Para 7 WHY would there ever be a "no stopping" restriction in a car park? (In Para 10, they specify that it is a "car park"). Para 11 "The Defendant" became liable." Again, they have not shown that the Defendant was "the driver", simply the keeper. Para 20 "It is a matter of agreement"? Not really sure what they're trying to say here...
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Advent Computer Training (Barclays Partner Finance)Info and discussion thread


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hi all i got a reply from the F.O today, it reads as follows.

" Thank you for sending us details of your complaint.

It would appear that Clydesdale Financial Services LTD have not issued

there final response on your complaint even though they have had the

required eight weeks in which to do so.

It may be possible for them to issue their final response shortly;we have

therefore contacted Clydesdale Financial Services LTD and requested that

they issue their final response letter within the next 14 days.

We will contact you again upon receipt of the final response from Clydesdale

Financial Services LTD or when the 14 day time limit has expired.

 

Does this mean there on my side and barclays just F%£@ed up ?

 

No, it means BPF are stalling in replying to your adjudicator. Mine sent me a similar letter and is still trying to get some final reply from Barclays.

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Fuzzbutt, i pretty much said that to BPF in my dispute [ not those exact words] Hence the reply i got [ which you have read]

So i suggest people get that over in their dispute letter.I think that point is at least making BPF slightly question their own misguided thinking.

 

Exactly, Lowdown.

I reckon BPF are twisting up their panties now in a panic. I put a few guidelines on our website on the like-for like issues but everyone inquiring now to get a course breakdown needs to insist CT put it in writing.

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Reported the ex barclays employee letter to the FSA and had a phone call from the FSA today - they are going to investigate which can result in big fat fine for Barclays.

Also sent the story to the Mirror, have spoken to them and they should hopefully be running the story as long as the legalailty around it is ok.

 

Good, was that Nick Sommerlad at the Mirror, Casper, by any chance? He's talked at length to our lawyer I understand.

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I have received a response from the FOS saying that they are "unable to recommend that my complaint should be upheld". They say there is no debtor-creditor-supplier agreement in place, because although I am the debtor in this agreement, as the party liable for the agreement, in order to make a claim under Section 75 I also need to be attending the course that I was funding. The course was being attended by my partner, and not me. Therefore I don't have a direct relationship with both the creditor and the supplier. Therefore they're not upholding my complaint.

 

Sorry to hear that, Penny. That bodes ill for all those in the guarantor/sponsor situation. Would you be able to contact our Hauseld lawyer and let her have a copy of that FOS letter where they've turned you down?

 

As I gather, it can depend on where the signator signed. Our lawyer gave me this comment for the website (but I don't fully understand how the law would or wouldn't apply - hoping I'll get some more info soon)....

 

"Technically we argue they are covered by S75 but we can see that in some cases the parents have signed up as the ‘debtor’ for their children who are the actual students, and not the guarantor, even though that may have been their intention. In those situations it will be difficult to get them covered under sect 75."

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Sorry to hear that, Penny. That bodes ill for all those in the guarantor/sponsor situation. Would you be able to contact our Hauseld lawyer and let her have a copy of that FOS letter where they've turned you down?

 

As I gather, it can depend on where the signator signed. Our lawyer gave me this comment for the website (but I don't fully understand how the law would or wouldn't apply - hoping I'll get some more info soon)....

 

"Technically we argue they are covered by S75 but we can see that in some cases the parents have signed up as the ‘debtor’ for their children who are the actual students, and not the guarantor, even though that may have been their intention. In those situations it will be difficult to get them covered under sect 75."

 

This might be a long shot, but I and I assume many others were asked by advent to sign up as a guarantor for the students loan. However the load advent arranged between with BPF was a loan with me as the debtor and not a loan with me as the guarantor. So I have been miss-sold this loan, can this hold any weight? Fuzz can you ask Hausfield?

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This might be a long shot, but I and I assume many others were asked by advent to sign up as a guarantor for the students loan. However the load advent arranged between with BPF was a loan with me as the debtor and not a loan with me as the guarantor. So I have been miss-sold this loan, can this hold any weight? Fuzz can you ask Hausfield?

 

Good point Juiceybuns - I'll pass that on.

 

Added as an afterthougt....

Not much useful came up in a google search, but a thought occurred to me that these linked loans weren't arranged directly with a BPF bank representative, but via the Avent rep. If people weren't fully informed by the rep what signing up as a debtor, as opposed to a guarantor, meant in legal terms then that was surely definate mis-selling?

Even though the rep told me a credit check would be done, did they explain to those offering to take the loan out on behalf of someone else, exactly what all the implications were in every scenario?

I remember when I approached Alliance and Leicester a few years back (who I bank with) for a small £4,000 loan to cover a house move, they wouldn't agree it without seeing me face to face, pouring over my statements and interviewing me with a finance manager. And that was my own building society!

 

So why were these BPF linked loans handed out like sweets? I would say here is a comeback somewhere, even if not under S75?

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Hi Fuzzbutt,

Thanks for the reply on my email - I read the website again and I think I have a good case too.

Firstly, I'm a foreign student and I believe advent lied to me from the first day. They said if I sing up with them I’m going to be attended in classes on a regular basis not just a workshop for each book.

Secondly, I think that I have the write to choose my training centre myself not forcing me to sing up with CT.

I just phoned BPF again and I told them that I have received two letter form Mercers even though my account is in a dispute and they said when you refuse to pay you will automatically transfer to them to deal with you!

I told them that need more time and they agreed to hold this my account or any action for 30 days so I can find a solicitor etc.

As my second language is English I think I cannot deal with them myself especially when it comes to writing and reply to their respond regarding my complaint, (right now I have two letter form Mercers and BPF and I have no idea what should I reply to them. I need some help), therefore I think I need a solicitor to act on my behalf.

Please let me know you what is opinion regarding my situation

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Hey all. Just a thought if we did lose and had to go with computeach how would they get around the fact that the CompTIA course would no longer be of any use. Reason I say this is because I got a email that told me the CompTIA A+ Essentials and the PC Technicians exams were being retired on the 31/7/2010 and if I did not complete both exams by this time I would have to start studying all over again. If I had to start all over again it would take more time and more costs would occur.

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Hi Fuzzbutt,

Thanks for the reply on my email - I read the website again and I think I have a good case too.

Firstly, I'm a foreign student and I believe advent lied to me from the first day. They said if I sing up with them I’m going to be attended in classes on a regular basis not just a workshop for each book.

Secondly, I think that I have the write to choose my training centre myself not forcing me to sing up with CT.

I just phoned BPF again and I told them that I have received two letter form Mercers even though my account is in a dispute and they said when you refuse to pay you will automatically transfer to them to deal with you!

I told them that need more time and they agreed to hold this my account or any action for 30 days so I can find a solicitor etc.

As my second language is English I think I cannot deal with them myself especially when it comes to writing and reply to their respond regarding my complaint, (right now I have two letter form Mercers and BPF and I have no idea what should I reply to them. I need some help), therefore I think I need a solicitor to act on my behalf.

Please let me know you what is opinion regarding my situation

 

Masoud, I'd do as we are all doing now. Just reply that you are part of the legal group action with Hausfeld and ask them to check with their head office about the group legal action.

 

Mercers can do nothing to hurt you.

 

Just tell them you are part of the group action.

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Hi you Guys,

 

I have not been here for a while again, did I miss anything very important? Will read through the posts as well.

 

I have not heard from BPF for over 2 months now, no letters, no phonecalls. Did this happen to anybody else? Makes me wonder.I will be moving soon, shall I let them know my new address?

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Well my friend (my sponsor) got a final response letter from Barclays a few days ago.

 

This one looks like they may have actually read my letter, even if they seem to have chosen to ignore and gloss over several points and answer several points I never raised :rolleyes:

 

Although I did find part of the letter amusing -

 

"Furthermore, pursuant to general contract law principles, you are obliged to take reasonable steps to mitigate any loss that you may suffer as a consequence of Advent's insolvency, and subsequent breach of the Agreement. In circumstances where you have been offered like for like training under the terms of the Agreement, by virtue of Barclays' appointment of Computeach, in the event that you unreasonably refuse to accept the alternative training you will be in breach of your obligation to mitigate your loss"

 

So now are they are saying if I don't take the crap company they're forcing on me, they consider me in breach of contract?

 

I don't know whether my part in the class action will be successful, as I am not the person who signed the credit agreement (although Fuzzbutt's last update did give me a faint glimmer of hope).

 

I really hope those of you who are able to pursue Barclays, tear them a new one and give those arrogant people (I'm keeping it clean) the slap-down they deserve.

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hi all i posted a letter to mercers explaining the situation and when i tracked the delivery on line the post office has the item as there was no one there to sign for the letter,any one else having trouble ?or any advise as to what to do?

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I send a letter to bpf today saying I'm part of legal action group with hausfeld. Let's see what's happened.

 

I sent my letter Special delivery because its the only service that you can track online.. mine shows information not yet available..

 

I expect its because if you look at the postal address its a P.O. box.

So will have to wait for a person from mercers to turn up at the post office and admit he works for them and sign for all the items.

 

I am thinking of resending but this time C/O of BPF in Cardiff since I noted mercers p.o. box is in Glasgow is that not where BPF's old place was??

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Hello 10pack, I send to Cardiff address with recorded delivery. mercers ringing me everyday, I told them yesterday that i'm with legal group action, today they ring me again but didn't received that. they never listen.

 

I only had Glasgow address's on my letters

 

can you let me have the Cardiff address I will resend them..

 

is it by any chance same as for BPF in Cardiff??

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This cardiff address from final letter from bpf

 

Mercers address

Mercers Debt collection Ltd

PO BOX 7392

Glasgow

G51 9BX

 

its amazing they hide behind a p.o. box when they expect communication from us.

 

I will repost my letter to BPF in Cardiff then mercers can take it into the next room and deliver it to BPF.. maybe they will read my letters then since BF ignored my last letter and phone calls.. they refused to put my account in dispute and instead rachetted it up so I have this now.. but I refuse point blank to be a Computeach student again.

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Sorry for bring up this nightmare but i have been away and only recently arrived back in the UK. What are the answer to this problem. I have been paying Barclays Partner Student loan off as normal but i can not get support for continuing the course with Computeach, the end date has passed but Advent was still supporting me after the date although i didnt get that in writing, Ooops I have nearly finished the course but would like to push Computeach for there support. We are your experience since Advent went under and what is the best course of action, Thanks Clive

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Sorry for bring up this nightmare but i have been away and only recently arrived back in the UK. What are the answer to this problem. I have been paying Barclays Partner Student loan off as normal but i can not get support for continuing the course with Computeach, the end date has passed but Advent was still supporting me after the date although i didnt get that in writing, Ooops I have nearly finished the course but would like to push Computeach for there support. We are your experience since Advent went under and what is the best course of action, Thanks Clive

 

 

Fuzzbutt might want to speak to you soon - this is a big point and argument at the moment.

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Has any one noticed that the number mercers call us from and the number they tell us to call them on are different? i get calls on a sunday asking me to ring them it then says there opening hours to contact them and guess what ...thy're closed on a sunday!

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Masoud, I'd do as we are all doing now. Just reply that you are part of the legal group action with Hausfeld and ask them to check with their head office about the group legal action.

 

Mercers can do nothing to hurt you.

 

Just tell them you are part of the group action.

 

 

Dear Steph Minns (Fuzzbutt)

 

If I join to your legal group with Hausfield I have to sign both the Data Protection Form and the Form for Action. In the Form for Action I have to acknowledge I am authorising Hausfeld & Co. LLP to act as solicitor on your behalf. Do I have to pay for this service ? How much is that?

 

Can you give more information about it.

 

Thank you

 

Dron

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