Advent Computer Training (Barclays Partner Finance)

[adinmatty]

Hi Guys,

Same here. I have another account added from Marlin with the same balance and in default state. I rang Experian today asking for explanation. They said they they didnt know it was same loadn and were going to ask both Marlin and Clysdale for details. They dont know anything about debt being sold by Barlcays (apparently they should know if that happens). They told me, when this is the case BPF account should read settled at least. But I am not sure if this is right to have 2 x defaulted account, even if one is settled. Anyway waiting for response from Experian and will see. In meantime waiting for CCA and DOA request being fullfiled by Marlin.

This all smells like one year old fish and egg stuck underneath a bed...

[10pack]

Hi Guys,

Same here. I have another account added from Marlin with the same balance and in default state. I rang Experian today asking for explanation. They said they they didnt know it was same loadn and were going to ask both Marlin and Clysdale for details. They dont know anything about debt being sold by Barlcays (apparently they should know if that happens). They told me, when this is the case BPF account should read settled at least. But I am not sure if this is right to have 2 x defaulted account, even if one is settled. Anyway waiting for response from Experian and will see. In meantime waiting for CCA and DOA request being fullfiled by Marlin.

This all smells like one year old fish and egg stuck underneath a bed...

 

Marlin rep admitted they did not have my credit agreement and refused to supply the DOA said they are not legally required to provide me with it when I phoned, I will be sending a CCA to marlin now.

 

I had response from barclays about my subject access request they wrote they will comply but did not give me any dates on how long it will take them though they accept the 40 days deadline as stated on my request letter.

 

Will see then if its really been sold.

[adinmatty]

I hope we will know much faster from Experian enquiring them. They (Marlin, Barclays etc) cant provide wrong information to them without justification I believe.

 

Also would be nice to have experienced Cagger explain to us how is it with double record with default on credit report...

[10pack]

I hope we will know much faster from Experian enquiring them. They (Marlin, Barclays etc) cant provide wrong information to them without justification I believe.

 

Also would be nice to have experienced Cagger explain to us how is it with double record with default on credit report...

 

Yes I agree with you.. but I have noticed a distinct lack of interest in this thread even though there are other CAG users in same position as us here.. where are they??.

 

Keep me posted about what Experian tell you because we need to pass on this info to others,, I also know some students from Skillstrain that are in exact same position as us with BPF.. and with marlin after them

[adinmatty]

By the way, interesting thing is that my letter sent to Clydesdale Financial services trading as Barclays Partner Finance was signed by "FIRST PLUS". Not that I expected somebody's name there but First Plus? I googled it and it came as another Barclays partner or trading name... But hey, I havent sent anything to First Plus so why they sign it?...

 

Also check PM, I sent you my email. We can share what is not supposed to be publicly visible.

[adinmatty]

Ahahaha... "To send PM your post count must be 30 or greater..."

It changed I believe as I could send those, and sent quite a few in the past.

10pack if you are happy with it just send me your email in PM.

Edited February 6, 2013 by adinmatty

[skyblue dave]

I have just checked my Experian report. I, too, have 2 entries - one referencing Clydesdale (forerunners to BPF) and, now, a second entry referencing Marlin. I have emailed Experian to query this. Will post again when they reply.I'm seeing various references to DOA and CCA. I believe DOA stands for Deed Of Assignment, and this is something that Marlin should be able to provide us with on request, to prove they have legally acquired the debt. Is that correct? Could somebody please let me know what CCA stands for and it's significance?

[10pack]

I have just checked my Experian report. I, too, have 2 entries - one referencing Clydesdale (forerunners to BPF) and, now, a second entry referencing Marlin. I have emailed Experian to query this. Will post again when they reply.I'm seeing various references to DOA and CCA. I believe DOA stands for Deed Of Assignment, and this is something that Marlin should be able to provide us with on request, to prove they have legally acquired the debt. Is that correct? Could somebody please let me know what CCA stands for and it's significance?

 

CCA is a request for a copy of your credit agreement, marlin have to supply this otherwise they are committing a criminal offense.

DOA deed of assignment you can ask marlin for it but when I asked on the phone for it they refused point blank which suggests to me they are hiding something.

 

I am thinking of sticking them with a subject access request they have to by law provide copies of all data the have on you.. I am assuming that also includes copies of deed of assignments, but it also means they have to supply notes and other things including recordings.

 

if you look at the 2 defaults on your account you will note marlin have taken the liberty of marking their default a year later than the clydesdale default, how can they do this when their notification only arrived in post in the first week or so of January this year and how can they add a default on a loan that is already in dispute and has a default added unfairly.. I cant believe this can be legal.

 

I also intend to report all this to trading standards and office of fair trading since marlin already has a "Record" with them I am sure all complaints will go down a storm with them ) .

[Keith_rb]

Well this thread just keeps getting more fun every day!

 

Just checked my experian report, and this is getting interesting. As with everyone, I have a search by Lowell late last year, and an addition by marlin.

 

This is where it gets interesting, both my deafulted accounts (BPF and Marlin) are showing the same amount, neither are shown as settled. Whats more, my account first defaulted in june 2010 (started june 2009, one year payment free), the entry for BPF says defaulted jan 2011, Marlin says Feb 2012 (a full year before they took over).

 

And for a final WTF moment, I have an alert (addition or deletion) which states one of the accounts was settled on the 24 of feb 2012.... the company name? MARLIN. HAVE THEY PAID THEMSELVES? WTF!!!

 

I will call experian in the morning to try and make sense of this.

[10pack]

Well this thread just keeps getting more fun every day!

 

Just checked my experian report, and this is getting interesting. As with everyone, I have a search by Lowell late last year, and an addition by marlin.

 

This is where it gets interesting, both my deafulted accounts (BPF and Marlin) are showing the same amount, neither are shown as settled. Whats more, my account first defaulted in june 2010 (started june 2009, one year payment free), the entry for BPF says defaulted jan 2011, Marlin says Feb 2012 (a full year before they took over).

 

And for a final WTF moment, I have an alert (addition or deletion) which states one of the accounts was settled on the 24 of feb 2012.... the company name? MARLIN. HAVE THEY PAID THEMSELVES? WTF!!!

 

I will call experian in the morning to try and make sense of this.

 

I just had my documents from barclays arrive today mainly letters they sent me, there is a large amount of what looks like print outs and in it shows something to do with marlin so it may well be its sold.. but how can it be if i am still in dispute with BPF.

 

like you I noted that marlin had put a default on my account.. its dated over a year before they sent us letters informing they had the debt.. how can they do that?

and how can you be defaulted twice for same debt? its like being killed twice.

 

I also will be contacting experian through my account with them.. also will contact trading standards over this.

 

I also want to know if marlin have brought the loans and they want all the benefits.. that must mean they also get the responsibilities.. "jointly and severely liable" and since they paid peanuts for these loans they may back down if threatened with court and costs.

[Kraken1]

CCA is a request for a copy of your credit agreement, marlin have to supply this otherwise they are committing a criminal offense.

 

I don't believe that this is the case, they just can't enforce the agreement until they provide you with a copy of the CCA, assuming a correct request was made.

 

DOA deed of assignment you can ask marlin for it but when I asked on the phone for it they refused point blank which suggests to me they are hiding something.

 

I don't believe that you are entitled to a copy of the DOA; this will normally be in the form of a contract with an attached list of hundreds/thousands of accounts. It will normally be commercially sensitive as it will spell out the details of the debt sale. You should however be notified that a debt has been sold. This is usually by letter.

[Keith_rb]

Contacted Experian today, they are looking in to why I have two defaulted accounts for the same amount, and why the date of default that Marlin have is different to the one from BPF by 3 months.

 

The farce continues...

[10pack]

Contacted Experian today, they are looking in to why I have two defaulted accounts for the same amount, and why the date of default that Marlin have is different to the one from BPF by 3 months.

 

The farce continues...

 

I also am waiting for same reply.

 

I had my documents from my SAR request and there is no copy of that letter that arrived in envelope with the letter from marlin stating assignment of the loan... marlin printed it.. that's why the account numbers are wrong.

 

also marlin put a default on our credit files with even issuing a default notice.

[skyblue dave]

Just had this reply from Experian. Would be interested in people's views:

 

*Marlin Financial Services (Account started 19/04/2007)

*Clydesdale Financial (Account started 19/04/2007)

 

The entry recorded by Clydesdale Financial shows the name of the company that

the debt was originally owed to. The second entry recorded by Marlin Financial

Services shows that the debt has now been sold to another company to collect.

 

Although the debt is now being recorded twice, only the entry recorded by the

debt collection agency will have an effect on your credit rating.

 

Both entries will be retained on your credit report for six years from the

default date."

The second entry recorded by Marlin Financial

Services shows that the debt has now been sold to another company to collect.????

 

No it dioesn't.

[adinmatty]

Skyblue and others, please google for this Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983‎and check the ICO guidance based on this document here http://www.ico.gov.uk/for_organisations/guidance_index/~/media/documents/library/Data_Protection/Detailed_specialist_guides/default_tgn_version_v3%20%20doc.ashx - this one is much easier read, and for you (and probably me too soon) gives strong case against double record and possibly default itself. Especially look at point 32-45 and 2 last pages. Once you happy you got the grip on it file case with ICO, so do others and lets harras the ****.

[skyblue dave]

Skyblue and others, please google for this Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983‎and check the ICO guidance based on this document here http://www.ico.gov.uk/for_organisations/guidance_index/~/media/documents/library/Data_Protection/Detailed_specialist_guides/default_tgn_version_v3%20%20doc.ashx - this one is much easier read, and for you (and probably me too soon) gives strong case against double record and possibly default itself. Especially look at point 32-45 and 2 last pages. Once you happy you got the grip on it file case with ICO, so do others and lets harras the ****.

Thanks for the advice. I will look into this tonight.

[blade325]

Hi guys sorry not been on here much recently, just been quite busy. Thanks Adinmatty for the link, has some pretty useful info on it. Shall read it thoroughly to completely understand it, once I do I will make some relevant comments here. Have sent off my letter to Marlin asking for a copy of my CCA. Not heard back from them yet, again once I do will post the details.

This whole experience is like a bad dream, BPF have from day one acted as if they are above the law, I just hope that one day this comes back to bite them as the PPI and other numerous mis-selling scandals that they have been involved in have.

[Oldgel_48]

Hello fellow sufferers. I'm new to this so bear with me. I've had a dispute with BPF since january 2010. My son applied for course with Access2trades but never started the course. I acted as guarantor, I thought, but was told by BPF after A2T went out of business that I had taken out the loan. They never passed my son's details to the new training company - OLCI - so my son was never allowed to start the course. Have gone down the usual route - FSA/FSO who refused to do anything saying we were not covered by Section 75 of CCA. My MP took up our case but BPF refused to take any responsibility. Have received demands for payment from various debt collectors and now, like you, from Marlin. Agree with all you have said about them - I now refuse told them I refuse to speak to them until they provide me with appropriate legal documents proving they are legit. They say I owe £6,800.

Have been to Trading Standards - who say they cannot take any action but did give me some useful advice. Intended to send SAR to both BPF & OLCI to get documents to prove our case but decided first to stop dealing with the oily rags and go straight to the engineer. I wrote yesterday to Antony Jenkins the new CEO of Barclays Group. Outlined the problem and told him I would not pay a penny for a service neither I or my son received. Advised him to practice what he preaches and investigate this disgusting company.

I wait to see what this man's made of.

Good Luck to you all - you deserve it.

[10pack]

Hello fellow sufferers. I'm new to this so bear with me. I've had a dispute with BPF since january 2010. My son applied for course with Access2trades but never started the course. I acted as guarantor, I thought, but was told by BPF after A2T went out of business that I had taken out the loan. They never passed my son's details to the new training company - OLCI - so my son was never allowed to start the course. Have gone down the usual route - FSA/FSO who refused to do anything saying we were not covered by Section 75 of CCA. My MP took up our case but BPF refused to take any responsibility. Have received demands for payment from various debt collectors and now, like you, from Marlin. Agree with all you have said about them - I now refuse told them I refuse to speak to them until they provide me with appropriate legal documents proving they are legit. They say I owe £6,800.

Have been to Trading Standards - who say they cannot take any action but did give me some useful advice. Intended to send SAR to both BPF & OLCI to get documents to prove our case but decided first to stop dealing with the oily rags and go straight to the engineer. I wrote yesterday to Antony Jenkins the new CEO of Barclays Group. Outlined the problem and told him I would not pay a penny for a service neither I or my son received. Advised him to practice what he preaches and investigate this disgusting company.

I wait to see what this man's made of.

Good Luck to you all - you deserve it.

 

Well done you beat me to it, I was just starting to create a letter to send to him, I have been chatting with others in similar situation, and I proposed that we create a joint letter with a quick summery of our situations our views of the situation and how we felt about the treatments we have received from barclays.

I want that we all sign it and post it to him registered post.

 

what address did you use to write to him on?

[CheesedOffCharlie]

Although not with Advent and never have been but also had the pleasure of Barclays Partner Finance finacing a [problem] home learning course. I feel we need to join forces here. Barclays Partner Finance have been getting away with financing [problem] home learning courses for too long. Those of us in the unfortunate situation of being sold to Marlin Financial need to all swap Marlin account numbers so we can create a footer on all of the letters we write to them. Just a brief footnote on letters, account numbers, brief description of the [problem]/complaint.. which all mirror each other without even making it up!.. different [problem] courses same [problem], same finance company.

 

I met 10pack on another site and I think all our cases are similar enough for this to work.. and we can also write witness statements for each should anything go to court as we know exactly how BPF opperate... strength in numbers!

Edited February 22, 2013 by ims21

[blade325]

Hi if anyone has the address for the new Barclays chief can you please post it here. I for one would like to send him a letter asking what he intends to do about the shoddy practices that his company has been involved in, afterall he went on national TV saying he wanted Barclays to turn a new leaf. Lets see if it's a PR stunt or if he really means it.

[Oldgel_48]

For those who want it - this is the address I used: Antony Jenkins, CEO Barclays Group, 1 Churchill Place, London, E14 5HP. Tel: 0207 116 1000 Fax: 0207 116 7665 - this was all on Barclays website I think. This guy has been widely quoted in the press and on TV stating that he wants the Barclays Group to clean up its act - so it would be a wake up call for him if he is made aware of yet another part of his empire misbehaving itself. I wrote a fairly comprehensive outline point by point then wrote the following:

As the CEO for the Barclays Group, you should be aware ofthe way in which business has been, and is being, conducted in your name. I would ask, therefore, that you act on ourbehalf and put an end to this persecution of more innocent victims of unethicaland immoral practices perpetrated by yet another financial institution bearingthe Barclays name.

I am in no doubt that we are not the only people who havesuffered three years of harassment by this disgraceful company. If, as you havedeclared in the press, you are truly dedicated to recovering the goodreputation of Barclays, you might do well to investigate their dubiousactivities.

Hope this helps.

[Oldgel_48]

Me again! This is a late night.

Just a thought. It may be more effective to bombard this man with lots of letters since not everyone has exactly the same problem with BPF. Make him work for his money at this stage and pass the word so that as many people as possible contact him. There must be hundreds of people still affected, even after 3 years. Perhaps arrange to send the letters on the same day so he gets a sack full - that'll make him sit up and think! I believe there's a facebook action group for Advent students (though have heard very little about other students) - it may be worth contacting them. I don't do facebook I'm afraid but beginning to think I might have to! If anyone wants help composing letters would be glad to help - I'm an ex civil servant & teacher of English so know the drill!

I sent my letter Special Delivery so it wouldn't get lost in the general post he must get every day. It did cost a fiver but worth it if he actually reads it.

 

When I spoke to Trading standards I discovered that Barclays stopped 'talking to' their local Trading Standards Office about a year ago - presumably the one closest to their headquarters. I wonder why? Could it be they have been inundated with complaints? Even though they could take no action at this stage, Trading Standards were very interested in what was happening & have asked me to keep them informed of any progress.

[blade325]

Hi Oldgel_48 thanks for the address, I will start composing a letter and should hopefully have it ready by late this week. I totally agree with hitting him with a lot of the same mail complaints all on the same day. Will copy my letter on to this site once it's been writting.

[Penny Mitchell]

I have had a letter from a solicitor claiming to be acting from Marlin asking me if I know what the consequence will be if I don't pay £9400 immediately (in red) and they have told me to contact them or fill in the direct debit form to pay them on a monthly basis, and if I don't well, they will take me to court. Has anyone else had this?