Jump to content


  • Tweets

  • Posts

    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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
        • Like
  • Recommended Topics

Advent Computer Training (Barclays Partner Finance)Info and discussion thread


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3924 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I'm getting seriously worried over this guarantor issue

 

I signed up for the course but it was my fiance who signed for the loan.

Im sure the contract she signed specifically states advent on it doesnt the prove it was a loan for training?

 

As for the miss-selling point we cannot prove it but the guy who sold us the course kept saying it was study at your own pace and take as long as you want but I dont have anything written down.

As for the end date on the contract he said that was left blank because there wasnt one.

 

We are curruntly paying £200 a month that we just cannot afford.

If it the loan was just cancelled we would be happy. but a part of me says the way barclays has treated us that we should be entitled to a full refund.

 

I'm in the same situation as you. I'm raising a new complaint with the FOS for mis-selling as Advent were the agent for barclays who arranged the loan. We were supposed to have received a Guarantor loan, but signed a debtor loan. I have no idea what a guarantor loan looks like and took it on good faith that Advent had arranged the correct loan and that's what I was signing. He should also have stated that by signing the loan we would not be covered by the credit consumer act 1975, but he did not, otherwise I would not have signed the loan in case the provider went bankrupt.

 

In terms of the contract, my wife has no end date on the enrollment form (contract) and was told the same as you about the course being open ended. In clause 4 on the back of my wife's enrollment form, it states that end of the contract is either the date on the enrollment form (which is blank) or the date when the final exam is taken.

 

I'm going to send a copy of the enrollment form to CompuTeach as proof that it was open ended. If I can't get my money back from Barclay's, I'm certainly going to get my monies worth and my wife will take as long as needed to complete the course with no extra cost to myself.

Link to post
Share on other sites

  • Replies 5.3k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Unfortunately if you are unsecured creditor with Advent there is no chance you will money back.

 

The administrators have already stated that all assets that could be realised have been.

 

You mean all the pigs get to eat from the trough first

Link to post
Share on other sites

About template letter to MP. "Advent charge £4,950 average flat fee for 2 years". My contract with Advent was on £5950 plus % charges. So I have difference with Computeach in £2592.

:jaw:

Link to post
Share on other sites

Hi Guys,

 

I have not been here for about 2 months due to relocating and looking for place to live.

 

I will read backwards all the posts to catch up. But please did I miss anything urgent?

I also received a letter from Moorcroft Debt Recovery Limited, Precourt division. Big yellow envelope: Notice of Possible Litigation. HELP. Do I write them back or what? I am so stressed again.

PLEASE respond.

 

I need to check if Hausfeld has my papers, do I just call them?

 

Thanks

Link to post
Share on other sites

Hi Guys,

 

I have not been here for about 2 months due to relocating and looking for place to live.

 

I will read backwards all the posts to catch up. But please did I miss anything urgent?

I also received a letter from Moorcroft Debt Recovery Limited, Precourt division. Big yellow envelope: Notice of Possible Litigation. HELP. Do I write them back or what? I am so stressed again.

PLEASE respond.

I need to check if Hausfeld has my papers, do I just call them?

 

If it says 'Moorcroft Debt Recovery plc' - PRE-COURT DIVISION

This is actually illegal, as it is a mis-representation. It can be seen by some, that Moorcroft are in partnership with the courts. This is not the case. Don't feel intimidated, you must contact the oft.http://www.oft.gov.uk/ and report them.

If you do reply to Moorcroft, ask for a copy of the BPF contract and 'a deed of assignment' from them.They will not have this and they will be trying to obtain money by fraud. You can get a template letter from the hausfeld website regarding the deed of assignment.

Link to post
Share on other sites

Hi all,

 

quick read through the latest posts and I can see already im not the only one with the issue. Im in the same situation as some with regards to the guarentors. Now what was this about the wrong credit agreement being set up for us, can somebody shed abit more light on this for me please?

 

Secondly, what are we all doing about this. Are we raising a new complaint with the fos for mis-selling? or are we sitting tight and see if hausfeld can help us. I know fuzzbutt has been great throughout all of this but am getting abit miffed now on what is the next best thing for us.

 

If i accept computeach i can gaurentee that they will continue the training till the end date on my contract would have been complete with advent, then turn round and say that now you have to pay. sorry , no way, not getting into more mess. I have all the evidence i need, there prospectus, letters pushing me into signing, all that.

 

So just after advice on where to go. Thanks

Link to post
Share on other sites

Hey all. Hey Lowdown I sent that debt collection template letter a couple of weeks ago. They have sent me my letter back with a cover letter that says I need to sign my letter I sent them. Just wondering if it was safe to as I dont know how low this company will go, I didnt want them photocopying my signature. What do u reckon

Link to post
Share on other sites

Hey all. Hey Lowdown I sent that debt collection template letter a couple of weeks ago. They have sent me my letter back with a cover letter that says I need to sign my letter I sent them. Just wondering if it was safe to as I dont know how low this company will go, I didnt want them photocopying my signature. What do u reckon

 

 

Its a delaying tactic to avoid sending you something they do not have, and infact acting illegally.

They are just trying to be smart, but will come unstuck.

These DCA's like to get handy with Photoshop, so no dont sign in your normal way.

Edited by steven4064
link removed
Link to post
Share on other sites

Should i just send it back as it is, I had already printed my name on the letter. It says they need signature to confirm they are dealing with the right student. You would think they would know Im the right person as my account number is also on the letter. so if I sign joe bloggs does that mean they would leave me alone lol

Link to post
Share on other sites

Well I'e just recieved my FOS Adjudication and it is the same industry standard fob off that everyone else has.

 

What a joke, here to help the public? Hah they are there to help greedy bankers line their pin stripped trouser pockets.

Link to post
Share on other sites

Hi!

Haven't been on here for months as it all got a bit much for me!

I have just recevied my decision from the FOS and surprise surprise, they ruled in favour of Barclays!

My course with Advent started in Feb 2009 so the FOS have said I have until May 2011 to complete the course with Computeach as they have so kindly awarded me an extra 3 months time for the hassle! WWHHHHAAATTTT!!!!...other than the fact that we weren't held to 2year courses with Advent, it has take 10months to get here!!! How am I supposed to do my entire course in 7 months!?

I'm so gutted!!!

Link to post
Share on other sites

Hey Lowdown Should i just send it back as it is, I had already printed my name on the letter. It says they need signature
link3.gif
to confirm they are dealing with the right student. You would think they would know Im the right person as my account number is also on the letter. so if I sign joe bloggs does that mean they would leave me alone lol Should I just use a squiggle or put a cover letter in stating im not signing as they know who I am.

Link to post
Share on other sites

Hey Lowdown Should i just send it back as it is, I had already printed my name on the letter. It says they need signature
link3.gif
to confirm they are dealing with the right student. You would think they would know Im the right person as my account number is also on the letter. so if I sign joe bloggs does that mean they would leave me alone lol Should I just use a squiggle or put a cover letter in stating im not signing as they know who I am.

 

Just put a squiggle - thats all they do .In fact if you ever ring them up and ask for a particular name that they put on their letters.

You will be told that they have left.Its all a bull##t game really.

Link to post
Share on other sites

Did anyone hear from your MPs? Its almost 10days i sent a letter to my MP, had nothing so far! Surprising..it's been more than a month i haven't heard anything from BPF or Sanclare. Might be they are planning upto something in the back!!!

Link to post
Share on other sites

Hi guys just got my letter back from my MP, in which she states that once I send her written permission she will be writting to Barclays directly to find out what is going on. I included the letters from Hausfeld to Barclays and the response from their legal pepople. Will keep you posted once I get my next letter.

Link to post
Share on other sites

Hi!

Haven't been on here for months as it all got a bit much for me!

I have just recevied my decision from the FOS and surprise surprise, they ruled in favour of Barclays!

My course with Advent started in Feb 2009 so the FOS have said I have until May 2011 to complete the course with Computeach as they have so kindly awarded me an extra 3 months time for the hassle! WWHHHHAAATTTT!!!!...other than the fact that we weren't held to 2year courses with Advent, it has take 10months to get here!!! How am I supposed to do my entire course in 7 months!?

I'm so gutted!!!

 

I think that's the situation for many of us, Pigwig. I have 2 and half months of my contract left now to finish the course (even should I wish to take up with CT) due to the 10 month delay in waiting on FOS and Barclays/CT dithering about before confirming they will offer 'bespoke courses.' The only people who will benefit will be those close to finishing anyway, and I know many have reluctantly gone over to CT as they thought (as they were so close to final exams) they might as well cut their losses and go for it - those and some of the guarantors situation people, now they realise S75 isn't going to cover them as we'd first assumed.

The rest of us have lost 10 months so hardly fair.

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3924 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...