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    • Hello I hope someone can give me some advice here, as I am at a bit of a loss on how to proceed. This relates to alleged offences under the RTA. Yesterday I received a notification from the local police of intention to prosecute for the following offences: 1 driving without due care and attention 2 failing to stop at a road traffic accident 3 failing to report a road traffic accident At this stage they have only asked me to say whether I was the driver at the time or not and provided a blank sheet of paper to give information about the incident. Going by the location (just round the corner from where I live) I can only imagine this relating to one recent incident, which wasn't actually an accident but more of a road rage event. I was driving past someone unloading or working next to his lorry which had stopped in the road. I wasn't going fast or anything, while I went by lorry man turned around and punched and kicked my car whilst going past him. I stopped and got out and wanted to know what he thought he was doing punching and kicking my car. He then hurled some verbal abuse at me, swearing and he was quite aggressive. I still didn't know what his problem was and said I would report him to his company for threatening behaviour and vandalism for punching my car. I got my phone and tried to take a photo of his lorry and number plate but at that moment he came right at me, still shouting and swearing, so I was worried he may hit me next, as he already punched my car. I thought if the guy hits me I will come off second best, so I decided to retreat. I quickly got back into my car and left. When I checked my phone later the photo I tried to take was blurred and useless, so I thought it was pointless to report the incident to the police, as the guy would not be traceable. Over that I forgot about it until I got the letter yesterday in the post. This is the only thing I believe this can relate to, but I have no idea based on what the three above allegations come from There was no road traffic accident, more of a road rage incident. So I am at a loss what to do. I have 28 days to respond. Should I just say yes I was the driver and was there and see what happens next, or should I already make a written statement on the attached piece of paper they sent me and send that with it ? Is there anyone here who would have a rough idea what to do next ? I tried my legal advice line through my Union, but they have sent me from pillar to post, now say it needs to go to a different department again and that would be chargeable as the RTA comes under Criminal Law. So any advice would be appreciated Many Thanks
    • So a quick update got bounced around two different departments and managed to speak to a DVLA bod , explained the situation and they could see the overlap and that DD payments had been made from Feb , also no formal remiders prior , they gave me a number for the legal dept who I am calling this morning to see what they can do in terms of the SJP notice , still have time to submit this online.  Will update after my chat this morning 
    • filed the defence at same time as suggested @dx100uk
    • Also, I am trying to understand how invoicing a large sum in a 6m period becomes tax fraud?   Is it because if he had invoiced over the £85k threshold he should have been obligated to charge vat?  Which would have meant hmrc would have benefited from the vat amount? So by not charging it Hmrc have lost out on £s revenue?  Is that what makes it tax fraud? So as a self-employed contractor, let's say he invoiced one Co for 200k.  Should he have charged vat on the full 200k (£40k)? Or just on the sum above the threshold (£23k)?  And that by not charging vat, he has knowingly withheld tax £s from Hmrc? And is the payer complicit ?
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Advent Computer Training (Barclays Partner Finance)Info and discussion thread


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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.

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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

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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:

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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

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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.

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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

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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

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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.

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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

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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.

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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!!!

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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.

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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.

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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!!!

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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.

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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.

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