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

[Sticky1]

Anyone who's direct debit showed FCC re: Anglo Capital, I have found that the FCC stands for First Capital Cashflow and their website is Paperless Direct Debit Collection ? First Capital Cashflow The best in Direct Debit Processing they collect the money for Advent

[Amb832]

Hi everyone. Just looking at all the posts that us @dvent students have posted, and my experinces are all to simular with what I have been told by Barclays and @dvent. Recieved an e-mail from @dvent which went into my "junk mail" so it's a very good job I check this like so many of you, and rang Barclays today and got the most un-helpful repsonse by the guy I spoke to. I signed up for the MCSE with Cisco CCNA, costing £5450, and my payment is due on 13th February 2010, as I signed up in Feb 09. The advisor (if I can call him that) at Barclays said that I should still make my payment, as a new training company was due to contact me in the next couple of days, and was saying that Barclays has lost a lot of money with @dvent folding, and didnt know it was going to happen and only found out the same day that us students were informed, but having checked the @dvent website earlier, they claim that Barclays pulled funding before Xmas? Im cancelling my DD on monday as there is no way im paying the stupid APR charges that Barclays includes in it's finance, and they are not getting a penny out of me until I am informed of what is going on. As I say Barclays were more concerned about how much money they had lost! Your a bank for gods sake, and you have stupid amounts of money! As someone has already pointed out us hard working folk who try to better ourselves are clearly getting the crud end of the deal here. I dont mind paying for the 2 books I have had, the 2 day workshop course, and even the crappy tool kit that was obviously bought from the pound shop, but im not paying for a course that I havnt even got halfway through yet. I aint even taken an exam! Im contacting Consumer Advice, and will even take it to a solicitor if need be, as I signed up for a course with @dvent, and not another company I know nothing about. Im just about to contact BBC Watchdog also, as this is my hard earned money that is being played with here. All the best people, and I hope we get our crisis solved?

[MARTIN3030]

Hi there, Well i have been told by Barclays that because I didnt notify them I was still studying after the two year period that they will not find me an alternative course and I have lost my money. I was told by Advent I only had to tell them if i wanted to defer the payments which I didnt.

 

Surely it is not right that an Advent salesman gave advice and helped setup the career development loan when he was not a financial adviser!

 

Martin, Do you know where I stand with this? Have I really lost out, Advent said the course was aslong as it takes?

 

Cheers

 

This looks to have been a miss-sold financial package.

I will try to find out which regs this would come under.

[MARTIN3030]

a question for martin

 

"if they offered a provider of the course that in my eyes, was not equivelent to advent but lower, could i decline and suggest an alternative for myself."

 

Quite clearly the terms and conditions that were agreed on the agreement have changed.

Therefore the agreemnent in my eyes is unenforceable,in the absence of clauses which make changes to the agreement acceptable.

[prezesmaks]

cut

 

I've spoken to my bank and they said they'll try something called a chargeback. I've spoken to CAD and they were less than helpful. I've spoken to consumers direct and it seems that the chances of me getting anything back is unlikely. I've spoken to companies house and they say the company is still active. I've sent emails to BBC, Daily mail and watchdog. I dont know what else I can do. I've only been on the course since October 2009 and I've lost close to £6000. Right now there is nothing more I can do. Its a waiting game.

 

cut

 

Hello there m8,

Ive called my bank Lloyds TSB and they said to me they wont help me with Visa chargeback and I should contact Visa in order to request Visa chargeback. They said that I agreed to pay by DD and they cant do anything. Bunch of w....rs and c..ts!!!. Well anyway Im sending letter to them about Visa chargeback and if they wont help I will call FO. As I posted earlier I paid with Anglo Capital back in 2008 by DD and it looks right now that only Barclays customers are in privileged position. Why??

Im gonna call VISA as well in order to explain Visa chargeback procedure in details.

 

BTW What bank are you with, m8?

[MARTIN3030]

Barclays pulled the plug on Advent knowing full well that there was a risk of implications for those with agreements.

But they have shown time and time again that they have no morals or scruples when it comes down to it.

They dont like being told what to do,often appearing to think they are above the law.

They did not go cap in hand to the GOV for money when the others faced difficulty-they didnt want to be told they could not pay big bonuses or have regulation-so what did they do ?

They sell a big portion of the group to Middle East Government who in turn threatened to take full control and Barclays out of the UK if anything was forced on them by regulation.

This bank is no stranger to controversy.

 

rant over.

[MARTIN3030]

Hello there m8,

Ive called my bank Lloyds TSB and they said to me they wont help me with Visa chargeback and I should contact Visa in order to request Visa chargeback. They said that I agreed to pay by DD and they cant do anything. Bunch of w....rs and c..ts!!!. Well anyway Im sending letter to them about Visa chargeback and if they wont help I will call FO. As I posted earlier I paid with Anglo Capital back in 2008 by DD and it looks right now that only Barclays customers are in privileged position. Why??

Im gonna call VISA as well in order to explain Visa chargeback procedure in details.

 

BTW What bank are you with, m8?

 

 

Did your bank provide you with the card ?

If so they are wrong to tell you to contact Visa.

 

When can chargeback be used?

 

Like section 75, chargeback can be used in cases of goods not arriving, arriving damaged, arriving not as described, or where the merchant has ceased trading.

Claims must be addressed to the bank that provides your Visa debit card or your credit card, which in turn will put in a request to the merchant’s bank. As a result, you should still get your money back from the merchant's bank, even if the merchant has ceased to trade.

[prezesmaks]

Did your bank provide you with the card ?

If so they are wrong to tell you to contact Visa.

 

When can chargeback be used?

 

Like section 75, chargeback can be used in cases of goods not arriving, arriving damaged, arriving not as described, or where the merchant has ceased trading.

Claims must be addressed to the bank that provides your Visa debit card or your credit card, which in turn will put in a request to the merchant’s bank. As a result, you should still get your money back from the merchant's bank, even if the merchant has ceased to trade.

 

Yes, Lloyds TSB provided me the card. I told "her" that you issued the card for me, not Visa. Visa issued it for you under certain requirements bank should oblige. She said "yes" and deaf noise( I was in constant on hold due to supervisor advice ). Ended up I as mentioned before "We cant help you because you agreed to pay DD and you should call Visa about Visa chargeback" ... useless

[SajstarHero]

I have not bothered taking any action just yet. I am observing and playing the waiting game till more light shines on this matter. Without knowing how Barclays are going to respond and the decision yet to be made I am still no better from getting this resolved. Until they decide on a action, I can't make a reaction. For all we know they will just hand us our money back nicely without it getting nasty realizing they are heavily in breach of contract if they fob us of to a less than adequate alternative provider.

[SL1in3]

If advent is bust that means there contract is bust too?

[benann]

I have not bothered taking any action just yet. I am observing and playing the waiting game till more light shines on this matter. Without knowing how Barclays are going to respond and the decision yet to be made I am still no better from getting this resolved. Until they decide on a action, I can't make a reaction. For all we know they will just hand us our money back nicely without it getting nasty realizing they are heavily in breach of contract if they fob us of to a less than adequate alternative provider.

 

not a chance they have already stated publicly they are looking for another training provider but seen as there isnt one they are playing a stalling game because it would suprise me if therse w******rs start up again in a few days and barclays make people use them but they defo are not looking to refund money

[andym1]

Evening chaps,

Has anyone sought professional legal advice on this yet? Thinking about seeing a solicitor on Monday & getting him to have a look at this, 'cos I'm a bit lost as at what to do now. The only thing I do know is I don't want to be forking out a lot of money for nothing just because some silly tw*ts that either couldn't run a business properly, or knew exactly what they were doing & thought they'd make an easy few million from people trying to better themselves & secure a decent future for them & their families.

Thanks a f*cking lot!

(I'm not annoyed honestly!)

[Sticky1]

Evening chaps,

Has anyone sought professional legal advice on this yet? Thinking about seeing a solicitor on Monday & getting him to have a look at this, 'cos I'm a bit lost as at what to do now. The only thing I do know is I don't want to be forking out a lot of money for nothing just because some silly tw*ts that either couldn't run a business properly, or knew exactly what they were doing & thought they'd make an easy few million from people trying to better themselves & secure a decent future for them & their families.

Thanks a f*cking lot!

(I'm not annoyed honestly!)

 

The thing with all this is how many people have their agreement with Anglo Capital and how many with Barclays. If it is with Anglo I think we are screwed. If its with Barclays I think they have a time limit to sort this out. I was told that anglo used Barclays funds.

[andym1]

My deposit of £950 was with Anglo Capital, which I've paid off. I've still got a £3,800 loan with RBS though still to pay, with the 1st installment due next month. Am I the only one that's got funding through RBS? Everyone seems to be with Barclays or have paid cash up front.

[benann]

The thing with all this is how many people have their agreement with Anglo Capital and how many with Barclays. If it is with Anglo I think we are screwed. If its with Barclays I think they have a time limit to sort this out. I was told that anglo used Barclays funds.

 

i agree i am with anglo and i told my bank what has happened and they stopped the direct debit but they wont deter me i am carrying on with my studies i use TEST OUT and CBT NUGGETS and the microsoft books and they arnt out of date because i spoke to microsoft and said they are up to date and to complete it my self get msce then take the update exams which i will f**k advent i got 996 on the 270 on my own back so dont get DOWN every body you know the old saying dont get mad get even and when i find out where they live the directors that is i will post ther ADDRESS and we will inundate them with complaints and maybe a visit from the plod because they look as though they have been committing fraud on a grand scale

[Sticky1]

i agree i am with anglo and i told my bank what has happened and they stopped the direct debit but they wont deter me i am carrying on with my studies i use TEST OUT and CBT NUGGETS and the microsoft books and they arnt out of date because i spoke to microsoft and said they are up to date and to complete it my self get msce then take the update exams which i will f**k advent i got 996 on the 270 on my own back so dont get DOWN every body you know the old saying dont get mad get even and when i find out where they live the directors that is i will post ther ADDRESS and we will inundate them with complaints and maybe a visit from the plod because they look as though they have been committing fraud on a grand scale

 

I have their names and home addresses its a husband and wife team and two other men. From their ages I would think old school friends.

[benann]

I have their names and home addresses its a husband and wife team and two other men. From their ages I would think old school friends.

well lets have the address published and their proper naames as seen so many names too so we can start to write to themso we can chase them personally

[Sticky1]

I obtained them from companies house online. I got two reports one for advent and the other for access2 careers. They cost £1 each. The reason I tell you this cos it might f**k me up if I post it. I would love to do it but I got money in this too.

[benann]

I obtained them from companies house online. I got two reports one for advent and the other for access2 careers. They cost £1 each. The reason I tell you this cos it might f**k me up if I post it. I would love to do it but I got money in this too.

 

no probs sticky will get it myself really appreciate it tho they wont like it because them c***ts are gona get a f**k off suprise when we see them been arrested for fraud

[benann]

Anybody know which police force we report these pricks too befor they do a runner

[Sticky1]

Type SFO in your search engine

[benann]

Type SFO in your search engine

 

cheers sticky have done that just gona read it because i dont know about you but i have a feeling that there has been fraud commited here because Anglo and advent have totaly ceased to trade and claimed insolvancy they are still trying to reclaim direct debits which under the law is fraud

[Howky2]

I am seeking legal Advice on Monday, so if I find out any thing I will post on here. I got mine with Barclays & only signed up in Dec 2009. Nearly £6K for 1 paperbook. I just want to get out of the loan agreement.

 

ALL, If you are on facebook, please search & join this page. Advent training Scammed Us - we want our Money Back! We curerently have 400 members & it would be good if we can stick together.

[byebye1]

ok so guys - i have been scammed too by this whole thing. We paid 6k for my boyfriend to do the plumbing course with Acces2Trade Careers. I am a journalist for the BBC in London and have been in touch with Watchdog about this already. We all need to write to them with our story as together we can hopefully do something and get results. The director and his family (they all seem to have some sort of job in the company) were clearly trading whilst insolvent. We paid the money 6-7 weeks ago and my boyfriend hadnt even begun his training yet. So the fact they took our money whilst clearly knowing they were going bust is ILLEGAL. The insolvency company SHOULD identify this and if they do - we ALL may be able to claim from this guys PERSONAL assets and/or his other companies that are still trading. Still we need to make it known to as many media outlets/Department of Fair Trading etc as possible that these guys are taking everyone for a ride. They have also still got companies that continue to trade i think.

 

These should be stopped immediately as it's clear from companies house that this guy has renamed his companies in the last few years at least 2 times EACH. Also Acces2Trade and Advent were renamed on the same day last year - 7th Dec 2009. He must have known he was sinking and STILL he stole all our money.

 

Please EVERYONE get in touch with your local radio/tv/whatever you can to get this out there. Also please all get in touch with Watchdog too. Anne Robinson will fight our corner even if no one else can!

[pvincent]

Just a quick question here:

 

Advent have taken (or will take) the £76.08 Direct Debit out of my bank for 1st Feb.

 

I spoke to the bank today and the woman said that I could reclaim that amount through the Direct Debit Indemnity Act.

 

I have heard from another person though that the Indemnity does not extend to loans.

 

However even if that is true, my money has gone somewhere and if it has gone to Anglo Capital/Advent then surely this is fraud?