Barclays collections department are open (for outbound calls) 8am-9pm during the week and 9am-6pm on Saturdays. The opening hours quoted on the letter apply only to the inbound call centre ie if you decide to ring them in response to the letter... And yes, it is Barclays themselves ringing, not an external company.

This loan account doesnt function in the form of a regular loan account; a resolve loan is a specific tool used by Barclays to resolve arrears issues on an existing unsecured loan and/or an existing overdraft (whether in arrears or not). As I understand the latest regulation and internal communications, Barclays are now NOT offering customers the option of keeping their existing overdraft (even if within it's agreed limits), if the customer's original loan falls into such a state as to require a resolve loan - the credit agreement will stand up in court as valid, but certain exemptions are made in the fine print as it is a consolidation loan designed purely to remedy financial difficulty..re: cancellation rights, as above the loan is no obligation.

Hi everyone, I just wanted to ask for a bit of advice about an employment issue and career advice in general. I'm currently unemployed and previously worked for a major high street bank until redundancy set in. I've been tpying with the idea of doing a CeMap mortgage course in order to improve my chances in the jobs market. The problem I have though is that I was charged with a criminal offence (assault) approximately 4 years ago. I was convicted and given a conditional discharge for 2 years. I didn't go to jail for it, and I was previously of good character - the court saw this and realised I had acted under severe provocation and recognised my actions were silly. I understand that my conviction becomes "spent" after the 2 year discharge is up, and that I dont have to declare it unless I have to do an enhanced disclosure check. With most banks wanting to vet their candidates thoroughly to minimise risk, what I wanted to find out is, as a mortgage advisor, would I be wasting my time applying for these types of jobs, or should I bite the bullet and go for it? The reason I ask is because many junior positions in banks aren't subject to such intensive checks, and I think once someone has a foot in the door, they're harder to get rid of if something does come to light, after all, most of us have done silly things and made mistakes and I feel I could explain it away if put on the spot, but not if I had to justify my actions at interview stage. On an unrelated note, are courses like this funded by the DSS or is it something that the student always has to fund? Any advice would be great. Many thanks.