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    • The property was our family home.  A fixed low rate btl/ development loan was given (last century!). It was derelict. Did it up/ was rented out for a while.  Then moved in/out over the years (mostly around school)  It was a mix of rental and family home. The ad-hoc rents covered the loan amply.  Nowadays  banks don't allow such a mix.  (I have written this before.) Problems started when the lease was extended and needed to re-mortgage to cover the expense.  Wanted another btl.  Got a tenant in situ. Was located elsewhere (work). A broker found a btl lender, they reneged.  Broker didn't find another btl loan.  The tenant was paying enough to cover the proposed annual btl mortgage in 4 months. The broker gave up trying to find another.  I ended up on a bridge and this disastrous path.  (I have raised previous issues about the broker) Not sure what you mean by 'split'.  The property was always leasehold with a separate freeholder  The freeholder eventually sold the fh to another entity by private agreement (the trust) but it's always been separate.  That's quite normal.  One can't merge titles - unless lease runs out/ is forfeited and new one is not created/ granted. The bridge lender had a special condition in loan offer - their own lawyer had to check title first.  Check that lease wasn't onerous and there was nothing that would affect good saleability.  The lawyer (that got sacked for dishonesty) signed off the loan on the basis the lease and title was good and clean.  The same law firm then tried to complain the lease clauses were onerous and the lease too short, even though the loan was to cover a 90y lease extension!! 
    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (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 fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
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    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
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Advent Computer Training (Barclays Partner Finance)Info and discussion thread


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hi all,

this is my first post here , but i've been reading all your advices from the first, really made me feel I am not alone....

actually my accont with BFB was on "one year no pay"... and i'm due to pay in may:(

I just called barcleys to ask frozen my account to solve all these, but the entirly rude lady( i think called caroline!) shout at me that we wont do that and you have to accept the new provider,,,, i ask to talk to complain department, she reapeted NO! ( realy rude!) she made me cry over the phone!!!!! I ask her for any kind of help but she refuse to do anythings!!!

 

I think i have to get £5000 loan from somewhere else and pay them in full:(( unless they happily gonna make it double....

this is a nightmare..... i cant beleve its happening:(

 

I'd keep on at them, Parand, and best to put your complaint/request in writing and insist on a written reply - write directly to Barclays Partner Finance customer relations team.

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It's good to see a few more people starting to post comments as it's been the same 10-15 people in recent weeks.

I think everyone following this thread should post a comment, so we get an idea of how people feel and how many of us are fighting for the cause.

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It's on the blue copy of the Advent contract, Turfs75, 2nd box down where it says 'start date' & 'end date' under course title.

 

Advent contract??

 

only blue document I can find is the blue carbon paper enrolment form and I cant see any mention of a start and end date

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Advent contract??

 

only blue document I can find is the blue carbon paper enrolment form and I cant see any mention of a start and end date

 

Yes, sorry that's the thing I mean - enrolment form rather than a contract.

 

Were no dates entered on yours by the salesman?

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Yes, sorry that's the thing I mean - enrolment form rather than a contract.

 

Were no dates entered on yours by the salesman?

 

No dates.. I also have a yellow version of the same thing.. no start or end dates.. just the date I signed up at the begining of last December

there is no place to enter such information.. maybe I have a different document to you?

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I cant find my Advent paperwork right this second, but i'm sure that it said target course completion 2 years but support for 4?

 

In which case Computeach will give me 4 years support or otherwise the deal is breached.

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Hi guys have been keeping a close eye on all thats been said, but cant remeber reading anything on something ive just read on the contract agreement with barclays that has the 'right to cancel' tear of section at the bottom.

 

It says ' 2.If you recieved unsatisfactory goods or services paid for under the agreement you may have a right to sue the supplier, us or both.

3. If the contract is not fulfilled, perhaps because the supplier has gone out of business, you may still be able to sue us.

 

then it says contact trading standars etc if you want to know more. This is under the consumer credit act. Now the way they seem to have got round this is the goods ive signed for is simply MCSE.....

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Enrolment form...[ATTACH]17455[/ATTACH]

 

Sorry will make it bigger...

 

Hmmm I hate to brag but mine is bigger than yours :)

I have more sections on my sheet.. there is a section asking what I am.. am I white am I mixed race and such.. but nothing about start and end dates.

 

I will scan it and post

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Just got home and got my BPF letter about CT being the new provider as well.

 

I have the same blue document with start and end dates, both are blank which confirms the sales pitch of progressing at own speed to complete.

 

I also have the program structure for the MCITP course which my wife enrolled on and it states on there "Duration 3 years support including 28 days of classroom based workshops".

 

Not yet contacted CT or BPF about the training.

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Hi Everyone. This is my first post on the forum, and everyone else's inductions into @dvent seem the same. I have been in touch with Consumer Direct on 2 occasions. Once when this all first happened, in which I sent a letter stating Barclay's had 28 days to reply in finding me an alternative like for like training provider, with exact same qualifications, etc, but got nothing in return, apart from the usual letters of "we are looking for another provider, blah blah blah" So then sent another one giving them a final 10 days to reply, to which I recieved a letter stating "I had no right to rescind my contract". Spoke to Consumer Direct again on Saturday who have contacted my local Trading Standards Authority, who are due to contact me in the next 5 working days, and called the Financial Ombudsman Service today, so gotta wait 8 weeks now why they write to Barclays. Got my letter confirming Computeach is the new provider, but the whole thing just seems a total shambles now really. The letter is a joke, as it actually has the cheek to say that I need to contact Computeach?? As if most people havn't done enough running around as it is?? There now surely has to be a way out of this, but gonna see if I can find the smallest of differences between these courses. I chose @dvent, not Computeach, so why does a bank get the decision to make an educational guess as to what I and so many others are going to be happy with? They are a bank, not a careers guidance company, so why do they get a right to choose? Should it not be our decision?? As so many people have pointed out in recent posts, the salesman who got me to sign up for the @dvent course told me, I could take as long as I want, and that there was no time limit. Study at your own pace, if you fail it doesnt matter as exam re-sits are continuous with no penalties to the student. I just think it's up to us students to now fully research Computeach on the website, and again as stated by other memebers, most definately only communicate to Barclays, and now Computeach by writing or e-mail only, as you then have solid evidence as to what is actually being/has been discussed. Ijust hope that there is a happy solution to what most of us students want, and that is a right to our money back and course cancellation.

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Hmmm I hate to brag but mine is bigger than yours :)

I have more sections on my sheet.. there is a section asking what I am.. am I white am I mixed race and such.. but nothing about start and end dates.

 

I will scan it and post

 

Cheers - no, mine had nothing like that. Maybe they changed their sign up form over time - that was back in Dec 2008.

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Had a quick think about the next steps over lunch.

 

First we need to contact CT by phone and request contact details of someone who we can write to about our "unique" training requirements. As mentioned on here many times, get everything in writing!!.

 

Write to them and request a complete package of their offer for the completion of the training. Including any deadlines/timescales/workshop locations and fees for additional time etc....

 

Write to BFP and enclose a copy of the letter above. Ask for your account to remain frozen until your analysis (as mentioned by me earlier today) is complete as you cannot continue your course until you have been able to confirm that the training matches what you originally signed up for and under the same constraints.

 

Once you have a package in writing, then compare against your original Advent course spec.

 

 

That's a good suggestion JuiceyBuns and is really only way to deal with them at the moment.

 

Get it in writing from Computeach first what they are offering don't tell them what you need. If they're like their funders or their like for like predecessors they'll promise you anything you like till your signed up.

Read the Facebook current students already with them that's why they're seeking a lawsuit against them.

 

We are still at this moment not receiving any service, and I'd imagine until we have been provided by the opportunity to investigate this new provider, then until any actual service is resumed then BPF should keep all accounts on hold.

 

And we should follow JuiceyBuns advice stating to BPF as far as we're concerned the Account is still on hold as no service has been resumed.

 

I'd like to know if the accounts can be put into Dispute like with some other Debt problems I've read about.

 

Forgot got the letter today and if Computeach have fees for extra time to complete course then they're not like for like

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I'd keep on at them, Parand, and best to put your complaint/request in writing and insist on a written reply - write directly to Barclays Partner Finance customer relations team.

 

Fuzzbutt's right Parand

Don't let them bully you put it in writing lodge a complaint not that they bother but it'll help your case later on.

Keep all your letters safe and envelopes too apparently although the letter that's arrived today has no post date on envelope??

Fuzzbutt

Sounds like you've got a good case there if CT are not offering same course as you had

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Phoned BPF and they advised that the account is still frozen and there is a meeting tomorrow to decide the course of action to get things running again. Could be waffle, but that's what I was told.

 

I advised that I wanted it to stay on hold until the dispute was finalized but she could not guarantee that and said i would have to write in. So I'll send a letter tomorrow based on my previous posts.

 

Called computeach and the people on at the moment are out of hours support and nobody there to send me an information pack at the moment. Need to call back tomorrow between 9-5. Will try in the morning.

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I got the "you're Computeach's problem now" letter today. I am sick of this. Over 2 months without a service now. It is not acceptable. I wonder if we would be able to sue BPF for undue stress this situation has put us under. I don't want to have to get out a loan to pay the £5,450 for BPF (so those dirty bankers dont get £12k off me!) to decide a month later that they are in the wrong and refund us all. My interest free period ends in May. I refuse to sign up to Computeach especially when they currently have students suing them for a lack of service!!!

 

Also BPF ignoring my letters would go down well in court! Will be sending them another letter tomorrow.

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By rights just my thoughts but if Computeach have took this on then they should be going through Advents records and contacting us it is showing that from the outset they are relying on us to do their work for them.

what will they do if no-one contacts them and how are they going to manage all our complaints and make arrangements with thousands of students I don't feel like helping them.

They've took this mess on let them deal with it.

 

Or Bombard them with letters double their workload

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With Computeach now on the scene and BPF's letter, (we've fixed it and you need to start paying), I think the options are running out.

 

My view is that the best way forward is now a joint action against BPF.

 

This was posted recently:

 

Guys,

 

 

I'm just re-posting my notice from Wednesday as a bit of a reminder.

The computerteach information will not stop me now, i hope there are many of you out there who share my opinion.

Lets get sending these letters (SEE BELOW)

 

I have just returned from my meeting with a solicitor, he thinks I have a strong case against Barclays Partner Finance, he has got to look through all the documents that I have provided but the next step is for a strong letter to Barclays asking them to stop stalling and start reimbursing the money.

 

He is confident that the letter will, kick Barclays into gear and I will get a proper response rather than a template letter. When we get a response depends on how we can act next, basically Barclays will consult there legal advisers and proceed accordingly.

 

I did mention that there are a lot of other students in the same boat as me and would he look at representing us all if we wanted to take this further, he thinks that the more people who contact him the more clout we will have if we unite we can also split costs.

 

So if anyone would like to join me in this is what you need to do.

 

Make copies of all the following documents and send/e-mail to him [email protected]

· Advent Enrolment form

· Barclays Letters and agreement

· Your letters sent to Barclays

· You MUST put in your letter or e-mail that this is to do with advent computer training, Reference the meeting with Aaron Vowles on 24th March, “I have a similar case and would like to be included”.

 

Solicitor Contact Details:

Moore & Tibbits

34 High Street

Warwick

CV 34 4BE

Tel: 01926 491181

Fax: 0126 402692

E-mail: [email protected]

 

Nothing is done unless you give it the okay, so there is no charge unless you want something doing, what is there to loose?

 

They seem willing and hopefully able and I will also give them a call am to clarify some points.

 

David

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HI guys,

 

1st time on here got directed by some1 on the facebook group.

Got some great info on here but i wanted some advice as what to do next.. wrtiien my letter as advised by CD, financial ombudmsn told me i have to wait the 8 weeks b4 they step in. Now that bpf have confirmed that computeach are the new providr im not sure where we stand. Obv i dont want this, They looked rubbish in the 1st place, I was interested to read abouta potentiel lawyer but im concerned aout the cost.

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Fuzzbutt

Sounds like you've got a good case there if CT are not offering same course as you had

 

Hope so, Bluedo. My path started with the A+ 'techie' stuff then was supposed to concentrate on web development and design, rather than systems.

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Hi Mantaxi

 

I completely agree with you but the contract allows BPF to fullfill the contract so unless we find a really good reason why CT isn't good enough then what choice do we have

 

I just hope that the misselling of the original contract will be enough or that computeach is not like for like

 

I want out of any distance learning

 

Sorry, don't want to see the glass as half empty, i'm trying everything I can too

 

 

have you got a copy of the terms and conditions of the bpf loan agreement, does it state that like for like will be found if advent go into administration? i am like a few on hear that have not got a copy. cannot remember if i was given one or not. i would have put it with all the other papers i have but cannot find it anywhere in the house.

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Hope so, Bluedo. My path started with the A+ 'techie' stuff then was supposed to concentrate on web development and design, rather than systems.

 

Mine 2 A+ ending well I'll keep that just now. Getting paranoid ;) Think we should keep the court route in the picture.

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It's on the blue copy of the Advent contract, Turfs75, 2nd box down where it says 'start date' & 'end date' under course title.

 

HI i have been reading the advent papers and on my enrolment form there is no start date or end date filled in and no signiture from any body with authority on advents behalf i have also read that in the terms on the other side of the enrolment form it states under 2.1 No contract exits between you and us for the supply of services until a completed enrolment form has been signed by you and it has been signed by a person who has authority to sign the enrolment form on our behalf. Once we have received a completed enrolment form signed by you and it has been signed by a person who has authority to sign the enrolment form on our behalf there is a legal binding contract between you and us.

 

sorry for going on but shuld it have been signed by them and me for it to be a legal binding contract any help would be apricated thank you.

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