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

[joyhouk]

I also need a template letter to write to BPF, any help...

[GillyBee]

Hi Martin.

 

I forgot to send my complaint letter & request for a copy of credit agreement to BPF by registered post. Do you think I should send another one immediately or wait the 14 days first?

[MARTIN3030]

As I have said many times-Barclays are not credited with the art of resolving customer dispute issues to customer satisfaction-they will fight tooth and nail to say you are wrong and have no cause for complaint.

Of couse most can be forgiven for thinking that such a great British institution could never dent its home base-except you should know that Barclays is no longer the friendly bank that we thought.

Its interest and indeed shareholders are global-it is now as much British as Cadburys or Beechams of couse we use them but only because we have grown up to trust them.

So keep everything like they do-with no scruples.

Those victims (and I say victims because it is very descript)

who can clearly show dispute on the basis of contractual issues or duty of care,are within their rights to formally put their accounts into dispute forthwith and cease further payments pending getting resolution from Barclays.

This will mean putting them on notice of that in writing.But the reasons for doing so will need to be just and outlined clearly.

Of course they will be more quicker to respond than we have seen in many instances.

Organisations like Barclays are not where they are because they have agreed with their customers complaints.

Lets remember they are pretty ruthless and will not roll over-any Barclays claimants from the last 4 years from the CAG will tell you this.

But they are not above the law and not exempt from reproach-just remember that too.

I dont want to say too much which will give Barclays any upper hand,but will be responding to those who have asked for help by way of the red triangle.

Theres 100 now so please be patient-I guess it will take a couple of days to go through.

Edited April 12, 2010 by MARTIN3030

[MARTIN3030]

Hi Martin.

 

I forgot to send my complaint letter & request for a copy of credit agreement to BPF by registered post. Do you think I should send another one immediately or wait the 14 days first?

 

For the sake of £1 for the fee and £1.something for recorded delivery I personally would send again.

 

Lets be clear-they will not be in any hurry to send it if you cant prove that you sent it.

 

For clarifacation to others-Under the Consumer Credit Act there is a stat fee of £1 for a lender to provide you with copies of documents you are entitled to see under your agreement.

This not only covers a copy of the actual agreement-but can iclude a statement of account history showing payments / interest etc.

Postal orders are ok for this.

Make it clear that this £1 is being sent for the request and should not be used for any other purpose ie;for arrears.

You should also be aware of sending your sig.

We advise printing your name or else using a digital sig.

Always send recorded and keep a copy.

Make sure that it is also sent to the right address.

For a request under CCA it should be their registered offices.

For a SAR it needs to go to their data controller.

The addresses are available on public registers accessible on the internet

For SAR that can be found on ICO website

For CCA can be found via Consumer Credit licence public register.

 

http://www.ico.gov.uk/ESDWebPages/search.asp

 

 

http://www2.crw.gov.uk/pr/Default.aspx

Edited April 12, 2010 by MARTIN3030

[GillyBee]

"You should also be aware of sending your sig.

We advise printing your name or else using a digital sig."

 

OMG I never thought of that!!

 

Thanks Martin for the speedy help - I'll re-send tomorrow by registered post.

[MARTIN3030]

No problem-keepus posted.

[panliberski]

I also need a template letter to write to Barclays with..

 

I am not sure what to write and dont want to put something in writing that could mess up my complaint

Thanks

 

such templates has been posted recently so take your time and check previous pages

[mantaxi]

I also need a template letter to write to Barclays with..

 

I am not sure what to write and dont want to put something in writing that could mess up my complaint

 

if you pm me with your email address i will send you a letter.

[Bluedo]

unsuitable

Edited April 13, 2010 by Bluedo

[Bluedo]

got my letter from bpf sat they said my complaint would be resolved by the 14 april. don't hold out much hope on a refund been given probably will be a letter saying they have fullfilled the contract if you do not agree contact fos.

 

Hi Mantaxi

They seem to just be keeping sending letters saying we hope to have this resolved by the next date. I've had 3 letters one dated 1st march ,15th march and 28th that one saying he expects to have the complaint resolved by 12th april and telling me to refer the complaint to the FLA they don't have a solution and I think they're snookered. but will fight to the bitter end.

[Mustard2243]

Agreed bluedo, I wonder what the total amount they will have to refund be?

[SajstarHero]

Fuzzbutt, Can you confirm you have received my email to sign up to this solicitor?

 

Thanks

[sburymozza]

hi guys fuzzbutt is having probs replying as he keeps maxing out his email account so he is limited to how many he can reply to but he will when he is allowed to email again, so bare with the the guy he will reply to you asap

[Fuzzbutt]

Hi everyone

 

Apologies if you haven't received a personal reply yet but, yes, hotmail only allows so many a day and I've had over 300 replies now, between here and the Facebook crowd.

 

Rest assured you'll go on the list as the emails over the past 4 days have all been saved but time-wise it's proving an impossible task to get back to everyone individually so I won't be doing that any more.

 

I've been in contact with our lawyer and we discussed that I set up a blog site for all the ex-Advent students where bulletins, advice and guidance from them, can be posted. I'm in the middle of doing that. There will be a small form to fill in with details they'll need from everyone such as how much your loan was, who it was with etc.

If anyone is reading who had a loan from Anglo Capital or Hitachi please pm me. Thanks. The lawyers will need to see a sample agreement with those companies to see if you can be included along with the BPF people.

 

I can't give legal advice obviously as I'm not qualified (for those who have contacted me with questions), please realise I'm just the co-ordinator.

 

Thanks.

[MARTIN3030]

Hi Mantaxi

They seem to just be keeping sending letters saying we hope to have this resolved by the next date. I've had 3 letters one dated 1st march ,15th march and 28th that one saying he expects to have the complaint resolved by 12th april and telling me to refer the complaint to the FLA they don't have a solution and I think they're snookered. but will fight to the bitter end.

 

 

This is a requirement under FSA complaints handling guidelines.

An organisation dealing with a complaint HAS to send a letter every 14 days until its resolved or the 8 weeks are up and then must give a final response.

 

The FLA of course represents THEM-just as the BBA does with the banks and the CSA does debt collectors.

So their interests are shall we say a little vested.

Although subscribers to any codes of practice laid down by the FLA would be in breach of CPUT if they were found to be in non compliance of codes they were expected to be upholding.

Edited April 13, 2010 by MARTIN3030

[MARTIN3030]

Martin

A few people have asked for a template letter Cashins originally worded this letter I have modified it if it is suitable to send please comment.

A WARNING to anyone using it if you threaten to take legal action you must follow through

Plus could I also add in I now consider this account in dispute.?

 

Account number

Default Notice

 

Dear/Sir Madam

 

Following the closure of Advent Consulting Ltd, you have failed to honour the terms of their contract for which you are jointly and severally liable under S75, Consumer Credit Act 1974.

 

Specifically, you have failed to find a suitable alternative training provider capable of fully assuming the functions specified in the Advent Consulting Ltd contract.

 

To remedy this breach you must, by ...Insert Date...

The training provider does not fully fulfil the terms of the Advent Consulting contract therefore I request you, cancel the above credit agreement and refund all payments made.

 

In the event of you failing to remedy the breach by ...Insert Date.. legal action may commence under S75, Consumer Credit Act 1974, with no further warning.

 

Yours faithfully

 

Yes this is ok to address the section 75 recourse where it is applicable.

The letter I have been working on includes other things and the complainant would remove sections that dont apply before sending.

[samjbmason]

Hi there I havre been following this forum for quite some time noew as Iam in the same boat as all of the rest of you I have emailed Fuzzbutt and am very aware that he is obviously having to go through alot of emails, but just to let you know I think your doing a stand up job.

Also Martin would it be possible for you to email me a copy of that complaints letter template that I can edit and send off please it would be much appreciated.

[wasabi project]

No dealing by phone takes away your powers and you are left with no record.

These things need to be done in writing and sent with proof of postage and delivery.

They know then that they have to look at it.

Especially if you put them on notice that you will take it further.

 

Have you got proof that you was trying to cancel since December ?

 

unfortunately no i 1st rang them before any of this started, and tried writing to barclays once to cancel, of which i have a copy of the letter

[wasabi project]

fuzzbutt,

 

what information do i need to send to be part of the legal action?

[wasabi project]

I'm due to start making payments on the 16th April 2010.

 

Can anyone advise how to approach barclays in means of a letter to keep the payments delayed?

 

Should i just keep the direct debit cancelled and let them put charges on the account?

 

I will not be paying them, I'm looking for the best way to go about it.

 

Thanks

 

hey DjOneel

 

im due to start paying on 1st may, what have you done regarding payments?

Edited April 13, 2010 by wasabi project

[samjbmason]

Just received another email from the insolvency people essentially saying "we have finished dealing with this and are now shutting the case"

Helpful as ever.

[Lankus]

Hi all, haven't posted for a while, but just had a 45 page email from PKF detailing their involvment and the whole situation. I'm sure others have also recieved this and the part I'm most interested in is in the FAQ's section which some may have seen on the website, but anyway, it says, "What if I don't want to continue my training - how do I get my money back? Answer: Clearly, any student is entitled to cancel their training at any time. However, how you paid for your course fees willl ultimatley determine your right to recover monies previously paid. BPF Students seeking to recover monies previously paid and/or to discuss any outstanding finance balances should contact Barclays Partner Finance".

 

Well I think we all know what we get if we call BPF to discuss this, but the administrators seem to believe the same as us - we're entitled to our money back.

[wasabi project]

also just recieved the latest email from pkf detailing all figures and their involvement

[Celina]

has any one see the adobe document in their inbox yet. I have received 47 paged document oh my...its fromt he administrators PFK

[On Hook]

YES, I just recive my.

Edited April 13, 2010 by On Hook