Jump to content


  • Tweets

  • Posts

    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   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;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 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 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 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 3921 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

Hi, Ive posted the same thing now and im getting rearlly fustrated now. Im one of the unlucky ones who got a guarentor to sign my contract for me, and Im now lost on where to go. Can someone please give me some possible options on what I can do now as I know sec 75 doesnt cover me now. Im not willing to make a claim to be a unsecured creditor with Advent, as im going to get nothing back. Computeach will only con me when I sign up for them as I had 4 weeks left on my course end date, and after i sign they will then ask for monthy payments. So im king of screwed paying back this loan.

 

Can anyone help at all as im not the only one in this situation with regards to the guarentors, so if somebody on here in the same situation as me, can you reply and advise what is the best course of action.

 

Thanks

Hi! I'm in the same situation as there are more of us. I don't know a best thing to do especially for us whom are uncovered by S75. I signed up to the legal team and hope something good will come out for us as well, eventually.

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

Hi Guys

I have been away for the past month so only now have I sent my letter in to moorcock asking them for deed of assignment with a £1 postal order.

 

Has anyone done this and did they get a reply?

Link to post
Share on other sites

Hi Guys

I have been away for the past month so only now have I sent my letter in to moorcock asking them for deed of assignment with a £1 postal order.

 

Has anyone done this and did they get a reply?

 

Sent my £1 off to Moorcroft about 10 days ago. (Recorded delivery). No reply as yet.

Link to post
Share on other sites

Sent my £1 off to Moorcroft about 10 days ago. (Recorded delivery). No reply as yet.

 

Its been a week for me also.. even wrote to barclays complaining about their back stabbing.. setting multipile debt collectors on me while pretending to investigate my complaints at the same time .....!

Link to post
Share on other sites

Hi! I'm in the same situation as there are more of us. I don't know a best thing to do especially for us whom are uncovered by S75. I signed up to the legal team and hope something good will come out for us as well, eventually.

 

I am in the same situation as you and am anxiously awaiting some news. Will send a letter to BPF requested a copy of the signed agreement and see what happens.

Link to post
Share on other sites

FOS was late getting back to us (me and my fiancee) so we chased them up about it.

Apparently we would have had a strong case against barclays (we were going with misselling as our strongest argument) but because the loan is in someones name other than the person who is training we have no chance.

 

I want to know why S75 doesnt cover us. The loan is clearly for training it says so on the loan contract we signed.

 

Also from the info FOS gave us it says Barclays found us the replacement provider in march. If the FOS thinks that it makes me wonder what Barclays have been telling them.

Link to post
Share on other sites

FOS was late getting back to us (me and my fiancee) so we chased them up about it.

Apparently we would have had a strong case against barclays (we were going with misselling as our strongest argument) but because the loan is in someones name other than the person who is training we have no chance.

 

I want to know why S75 doesnt cover us. The loan is clearly for training it says so on the loan contract we signed.

 

Also from the info FOS gave us it says Barclays found us the replacement provider in march. If the FOS thinks that it makes me wonder what Barclays have been telling them.

 

I agree with you, it should not matter who took out the loan and who it is for.. the loan was taken out to pay for goods or services it should be same as any other way of paying for goods.

what if you had a jumper brought for for you by your mom and it did not fit.. does it mean you have to give it back to your mom to change because the shop said you are not allowed to change it because you did not pay for it.. even if you have the receipt?.

Stinks...

Link to post
Share on other sites

Anyone had a reply for deed of assigment requests yet?

I am still waiting for my reply from moorcroft its been over a week now, I would have expected something by now if they was legit and had their finger on the pulse..

Link to post
Share on other sites

I have seaked some advice from the CAB recently and they are telling me unless BPF can produce the contractual agreement then the contract is void, no proof to back up their argument.

 

I am also another where my loan was taken out with a guarantor... i have requested the contract of agreement today and also many times before but not once have they posted me this agreement, also with my guarantor's consent. So will wait on what happens.

Link to post
Share on other sites

Hi all,

 

This is my first ever post. Only saw this thread last night and have been catching up on the last 10 pages or so. My situation is slightly different. I took a loan out with Barclays Finance but then paid for the course in full (electronic transfer from my HSBC account) around a year later. Since my first complaint, it has taken me over 6 months (202 days) to get to where I am now...

 

Yesterday, I received my first call from the FOSs adjudicator who will be dealing with my case. This was the first time I spoke to her. Until I read the posts on here, I was filled with a slight hope. Now, on the other hand, anxiety is back with a vengance.

 

I am going down the miss-selling route and that I wasn't provided with the correct study material. The usual lies apply here: "You can take as long as you need" "The MCSE course is suitable for beginners" not to mention "You only need 8 hours a week of free time to study" Only now have I heard that (apparently) it quite clearly states on the Microsoft website that you should have 12-18 months experience as a systems engineer before attempting the MCSE.

 

It has taken Barclays until now to even respond to the FOS. I have pages and pages of dates and times I have spoke to all these organizations. Also lots of reviews from other users. I also have a friend who didn't end up signing up for the course, but had his own meeting and heard the same nonsense I was told by the training provider.

 

The FOS wants me to send paperwork (enrolment form etc) to them but now don't know who to trust? An older post on here suggested keeping hold of any documentation as they need to provide it. Also that FOS were working alongside Barclays?

 

I would like to help in any way I can. If anyone can give me a link to a template for a letter to an MP I will send one ASAP. Anything else I can do to help I'll do my best. Should I trust the FOS? :help:

Link to post
Share on other sites

Hi all,

 

This is my first ever post. Only saw this thread last night and have been catching up on the last 10 pages or so. My situation is slightly different. I took a loan out with Barclays Finance but then paid for the course in full (electronic transfer from my HSBC account) around a year later. Since my first complaint, it has taken me over 6 months (202 days) to get to where I am now...

 

Yesterday, I received my first call from the FOSs adjudicator who will be dealing with my case. This was the first time I spoke to her. Until I read the posts on here, I was filled with a slight hope. Now, on the other hand, anxiety is back with a vengance.

 

I am going down the miss-selling route and that I wasn't provided with the correct study material. The usual lies apply here: "You can take as long as you need" "The MCSE course is suitable for beginners" not to mention "You only need 8 hours a week of free time to study" Only now have I heard that (apparently) it quite clearly states on the Microsoft website that you should have 12-18 months experience as a systems engineer before attempting the MCSE.

 

It has taken Barclays until now to even respond to the FOS. I have pages and pages of dates and times I have spoke to all these organizations. Also lots of reviews from other users. I also have a friend who didn't end up signing up for the course, but had his own meeting and heard the same nonsense I was told by the training provider.

 

The FOS wants me to send paperwork (enrolment form etc) to them but now don't know who to trust? An older post on here suggested keeping hold of any documentation as they need to provide it. Also that FOS were working alongside Barclays?

 

I would like to help in any way I can. If anyone can give me a link to a template for a letter to an MP I will send one ASAP. Anything else I can do to help I'll do my best. Should I trust the FOS? :help:

Why would you trust someone who seeks not the good of people?

Link to post
Share on other sites

Hi everyone,

 

It's so sad to see so many others in the same position and I too was mis-sold the idea of being my ex-partners "sponsor" as he was interested in doing the course with Advent. He feels he was mis-sold in terms of not being told he would have to visit an on-site centre every so often which wasn't possible as he didn't drive at the time.

I was also told that I was just the sponsor and wouldn't have to pay a penny, it's just a reference for them in case but they are so confident in their sleves that my ex-partner would be able to pay this himself once he has completed the course. Also the form I have signed would be changed into his name after the years interest free is up.

 

Now I am a student myself studying a degree in London, have broken up from my ex-partner (but luckily able to talk in regards to this matter) but am coming home to Bristol to find my parents receiving letters from Barclays. At least the phone calls have stopped although they have my old mobile number so thats impossible but for a time they were ringing my parents home number and causing them distress also.

 

It's disheartening to hear the same things over again as I have had the same conversations and same arguments with them and they sound lovely and helpful on the phone but are they actually doing anything to help?? NO!

 

I am really at a loss and haven't paid a penny and refuse to. I'm not sure how anyone could side with Barclays when things are clearly stated in their contract with us as the consumer. I have written to them but have only contacted them until now where I am hoping to find some advice on what to do next. Im not sure I can go to any PPI agencies for help as I haven't paid a penny knowing that I was told I wouldn't have to at the start. It's something Barclays need to take up with Advent in my eyes and they shouldn't have financed for such a dodgy selling company!

 

Im so angry and feel backed into a corner. My ex-partner hasn't even taken 1 module of the test and it isn't like Computeach have made an effort to contact him. They have contacted me as I had his old number but were even then rude to me when I tried to ask what was going on BUT no, it isn't MY course so they won't talk to me even though it's technically in my name to pay for it! ARGH! Even when they rang last and I begged them to keep ringing my ex as him and I weren't talking at the time he claims he hasn't spoken to them once. I think he has received some emails but thats it, as far as he's concerned he told this DEBORAH at Advent he wanted to cancel and they had agreed to this.

 

I feel Im caught in the middle running around for information when it isn't really anything to do with me, it was a kind loving thing I did at the time because I wanted to support my ex and it appears to have landed me in a big pile of CRAP!

 

If anyone has anything to offer I would so so so so grateful,

 

Kind regards

Link to post
Share on other sites

Hi Guys

Had a reply from moorcroft :) Any one else had a reply back from them? in fact has anyone had replies to any of the debt collecting agencies that have been sent our way? would be good to compare notes

 

So they mention..this is not word for word.. they waffle a bit

 

in answer to my request for a copy of their deed of assignment they are informing me the have now requested it from Barclays partner finance.. I would have thought they would have to have this first before demanding money?

 

They have put on hold their collection activities against me.. ?

and while I am waiting could I tell them what legal proceedings I am taking and to provide information of what my actions will be??

 

What?? :???:

Link to post
Share on other sites

Why would you trust someone who seeks not the good of people?

 

Luckily I haven't sent any information to the FOS as yet. I just thought the FOS were set up to be on no ones side and come to a fair resolution? Also if anyone knows a template so I can write to my local MP? Whatever I can do to help. If anyone knows anything about my situation please also let me know. My original post was #5153. :help: Thanks.

Link to post
Share on other sites

Thats because they need a DOA to collect money - and they know it...:oops:

 

Thats what I thought.. so the fact they demanded money off me with theats.. surely they have commited an offence just by doing that.. so they wrote in their reply they was now applying for the DOA.. a bit late!!

Link to post
Share on other sites

Thats what I thought.. so the fact they demanded money off me with theats.. surely they have commited an offence just by doing that.. so they wrote in their reply they was now applying for the DOA.. a bit late!!

 

Fraudulently trying to obtain money i think it comes under.Report them to the govererning bodies.

The other thing is they don't have to apply for a DOA - Its given to them [with a copy of the original contract/agreement] if the debt was sold to them.

These people really are clowns.I just read elsewhere that they are only bounty hunters working on commission if they can collect money.

Link to post
Share on other sites

Hello everyone,

 

I'm new here. I don't know if anyone has rang Barclays to make a claim under Section75 of the Consumer Credit Act to proceed with the claim?I was told it's not for Barclays to fulfill the contract,it's for Advent.Also someone made a very good point that we need to look into why Advent went bust at the first place,it was a misselling by Barclays as well as by Advent.I joined them in November 2009 and two months later they were in adminitrations,don't tell me BPF didn't know anything .....

Link to post
Share on other sites

Hello everyone,

 

I'm new here. I don't know if anyone has rang Barclays to make a claim under Section75 of the Consumer Credit Act to proceed with the claim?I was told it's not for Barclays to fulfill the contract,it's for Advent.Also someone made a very good point that we need to look into why Advent went bust at the first place,it was a misselling by Barclays as well as by Advent.I joined them in November 2009 and two months later they were in adminitrations,don't tell me BPF didn't know anything .....

 

I joined Advent in the middle of December 2009 and I went on holiday over the Christmas and new year, did not get back until 18th January so had no training at all.

 

Barclays had already made decision to cut funding end of September when the new boss arrived from American express, it was she who looked at the books and said to cut funding to a whole load of companies most of them training companies, they nearly all went bust within weeks of each other.. no coincidence, Barclays is the common denominator between them all.

 

I was out of work at the time I was signed up for the finance by Advent.. how was it I was given a loan? I was coming to the end of my job seekers payments, the last one was in the December so how could I be given a loan with an income of £250 per month taxable (yes dole office sent detail's to tax office they wanted their share of that money) and due to end the same month I do not get any dole money now, and have not worked in all this time... stinks.

 

Barclays was happy to give out money when things was going well, they took the profits and gave each other bonus payments because they was doing so well.. now its different story, we are all what they class as toxic debt.. they cant sell us on easily like they could have before, they know they are on a slippy slope and if they take us to court.. they have a good chance of losing because of what happened when we all signed up.

 

Miselling is what is going to sink the xxxxxxx ( Barclays partner finance are jointly and serverly liable with Advent) and when we sink em.. they will have to pay us compensation for stress and harrasment they have caused us all.

Edited by IdaInFife
please refrain from foul language
Link to post
Share on other sites

Many of us took out the loan because in theory once we succeed the first exam after about 3months training,we were promised to get a lot better paid job which would have had allow us to pay off the loan before it's due date.I was actually considering to pay off the £6000 before the interest and all,but the women I spoke to on the phone at BPF was ever so ignorant and sharp with me I couldnt beleive it.I told her that if they want me to pay the money I want to choose another course provider,then she said very bitterly that it's not that easy,so I told her I know I have the right to choose someone else for £6000,she fobbed me off sraight away by saying I have to write in,but of course as we all know here they like to take their time,so I sent them a very rude letter by email.I told them to ring me by Monday last week,well I don't even have to say that I've heard nothing since.Very poor service!!!!

I have to pay the loan by Saturday,I'm still in dilemma as I don't want debt collecters to harrass me,but if I pay then I reckon I can definately say goodbye to £6000.It won't matter for them if I pay or not as they managed to make a massive profit this year anyway.I think 10pack there is a case here to look into,especially for those who just signed up with Advent just before it went bust,like you.It is clear that it was a misselling.

To be honest with you when I rang Consumer Direct ,well they weren't helpful either.It seems like nobody wants to help us,but why??

Link to post
Share on other sites

Many of us took out the loan because in theory once we succeed the first exam after about 3months training,we were promised to get a lot better paid job which would have had allow us to pay off the loan before it's due date.I was actually considering to pay off the £6000 before the interest and all,but the women I spoke to on the phone at BPF was ever so ignorant and sharp with me I couldnt beleive it.I told her that if they want me to pay the money I want to choose another course provider,then she said very bitterly that it's not that easy,so I told her I know I have the right to choose someone else for £6000,she fobbed me off sraight away by saying I have to write in,but of course as we all know here they like to take their time,so I sent them a very rude letter by email.I told them to ring me by Monday last week,well I don't even have to say that I've heard nothing since.Very poor service!!!!

I have to pay the loan by Saturday,I'm still in dilemma as I don't want debt collecters to harrass me,but if I pay then I reckon I can definately say goodbye to £6000.It won't matter for them if I pay or not as they managed to make a massive profit this year anyway.I think 10pack there is a case here to look into,especially for those who just signed up with Advent just before it went bust,like you.It is clear that it was a misselling.

To be honest with you when I rang Consumer Direct ,well they weren't helpful either.It seems like nobody wants to help us,but why??

 

Its the FOS who are supposed to be helping us.. but they seem to be helping the banks instead.. Consumer direct are useful , when i called them for advice they told me to write a letter to Mercers explaining account was in dispute and to wait for a reply, if Mercers still harresed me then Consumer direct would contact my local trading statndards which is exactly what happened.. it too some weeks, I no longer heard anything from mercers or the other company, could I mention Mercers did not reply to trading standards letters for information of the business practice :).

yesterday got that latter from moorcroft and I think they are the same as the other agencies BPF have set on "Their Customers.. thats you and the rest of us".

I am of the opinion that if BPF thought they had a good case against us they would have taken us all to court by now.. but they wont because they know once we are in front of a Judge and not the FOS we will win.. the FOS in my opinion are too busy kissing the banks asses.. dont want to upset the banks would we?.. look at all the other companies that went to the wall with the financial crisis.. but no british banks went under.. teflon coated as far as the FOS is concerned.

Link to post
Share on other sites

And yes I was told the same thing because i was out of work and had the time to study after 3 months of study..Advents onsite job agency would have me in work so I could pay the loan because i would be working.. that is how they swung it with me.. otherwise i would have told them where to go because of the cost of the course.. it was the onsite job agency that made my mind up... they took my £500 deposit and legged it with the cash leaving me and the rest of us to swim.. these are the people the FOS should be investigating as well.. legalised robbery!!!

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3921 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...