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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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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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