Hi, This is my first post but I have been looking around on here recently as have been seeking some advice. I haven't been able to find a post similar enough to mine to get an answer so I'm going to tell you about my troubles in hope someone can steer me right! I took out a Barclays Career Development Loan back in 2007. The company I took it out to train with then soon went out of business - I'm sure some of you would've heard of them. 'Connectivity IT Training' based in Docklands, London. I telephoned Barclays after I'd found out to then be told, Ok that's fine, we will take today as your course end date and you can start paying it back. How considerate of them. I made a few payments but seeing as I was on a CDL course, I obviously had no job or low pay. I stopped being able to make payments and the letters stopped coming through. Fast forward to the present day. I moved away from my Mums (I've lived at 7 addresses since then, my most recent has been just under 5 months). At the end of Dec I received a phone call from Westcot asking me if I was me. I was surprised as I have no other outstanding debt (none that would be referred to a collection agency) and as I do get a lot of junk calls I said no. The lady said she would remove my number from their system, end of. I didn't have that number when I signed for the CDL so no idea how they had gotten it. On the 2nd of Jan I received a lovely letter from them to my NEW address. Sent to my name, telling me they are attempting to contact me and that I need to confirm if it's me or not living here before the 12th of Jan or else they will assume the contact information they hold for me is correct. Now if I didn't indeed live here then I would have gotten this letter addressed for someone other than myself and not opened it just binned it and they couldn't assume that I live here etc. I have switched EVERYTHING to this address as I have moved away from the area I used to live in and it's not convenient to pick up post from my parents anymore. I did switch to other addresses I've lived at recently too and they are all previous addresses showing on my Noddle credit report. I could be on the wrong track here and thinking that this is for the Barclays CDL when it isn't however theres nothing else it can be in my opinion. Everything else is paid up to date and I've never missed a payment on anything, ever either. I am also aware that by the middle of this coming November, the loan will be 6 years with no payment or contact so will be 'Statute Barred'. The date of default displays Nov 2009. I'm guessing they are aware of this and trying to get me now before the deadline. Total outstanding is around £8600. I am not in a position to repay this as my girlfriend isn't working (on SMP as we have just had a baby and I am covering all the bills and trying to repay an old credit card which was at £8500 and now down to £5500). Is there anything I can do or anything you can suggest to me? I have no experience with Debt Collection agencies and I also don't want to have any experiences with them! Thank's a lot for reading.

Hi. I've received a demand from Barclays for £5,197.70 for a CDL taken out for a course by Computeach in 2006. I actually asked the tutor/salesman "what would happen if I paid for this course by CDL and didn't complete it, that'd be an awful big debt for nothing?" They replied "well, because the loan is from European funding it would just go back from whence it came and you can go about your business - but you will complete the course, won't you?" **chuckle**. Satisfied with this answer and eager to begin I filled out all the paperwork and sat back contemplating a rewarding future. I was okayed by Barclays and I enrolled for the MCSD course which comprised of the IC3, Comptia A+ and the MCSD in Visual C# = Total cost £4995 or near on. I gained the IC3 quite easily, and began the Comptia and C# pack. Then in 2008 it became very difficult to complete it or even have access to a computer due to spending several months homeless and ending up in sheltered accommodation. I explained this to Computeach and they were at the time quite happy to put the study on hold and give me time for circumstances to improve. However, they didn't and after 6 months I received a letter saying a must pay £500 for an extension otherwise "my student file would be discarded" (I think that was almost the exact wording). The course closed as I didn't have the £500 at hand. Everything seemed fine and dandy. I had a CDL with Barclays which, handily, is the bank I have an account with anyway. And it seemed as though what the tutor/salesman had said was true - the money had happily been passed back to Europe for someone else to use since I didn't need it, no cost to me No demands, no nothing, for years. Now 2012 - bang! Every week or two a demand from Barclays. I largely ignored them, seeing them as a computer or administrative error. Yesterday I rang their number just to clarify that the course was cancelled. After an initially happy conversation with a Barclays advisor on the phone; and after saying that since circumstances have changed (I live in rented accommodation as a single father with a 21 month old son who is on Income Support) I could not afford not even a £5 token payment, or any payment at all to this debt I do not feel I owe - they are going to apparently going to pass on my details to the DCA who will be making far less happy conversations. Anyone have any advice? Personally, given the option of paying maybe £10 a month to a DCA to pay a £5000 loan is going to take me years (since I know saying I was in my view misold a course but have no way of proving it, which is not going to get me far in a court of law or in terms of a refund from Computeach for a course that finished 4 years ago to all intents) I was considering just tearing each letter up in future and just allowing them to make me bankrupt. At the end of the day I can only volunteer as a Red Cross First Aider for the foreseeable future; it is just me and my son in a one bedroom flat as that is all the council deem to view as necessary for us both; I've got very few material items apart from my childs which the court bailiffs cannot touch. Really, what have I got to lose apart from the ability to gain credit for 6 years? Am I being naïve on this issue though? Any thoughts welcome.

Hi, I've had some brilliant help here, just hoped I'd get some help regarding help needed with a CDL my sister took with the Co-Op in 2011. Basically, due to Financial hardship (No income, no job), my sister has been unable to pay the agreed monthly re-payments. She recieved a letter in regards to arrears early in January. We wrote back explaining that she is unable to make full payments for a period of 6 months, and if they could accept a reduced payment of £30.00 per month for a 6 month period, we could hopefully get things back on track. Stated that she should be treated fairly due quoting BCOBs. (Sent letter attached as Co-Op 1). We received a reply saying that they have indemnity, letter is attached as Co-Op 2. Is there anything I can write back to them, in the hope that they will stave off sending the Loan to debt collectors? Any and all advice is fully appreciated. Many thanks.

I had a CDL with Barclays via Computeach back in 1999, paid the deposit, started the course but cancelled within 6 months or so with Computeach. They verbally said they would sort out the CDL on my behalf due to my circumstances and i didnt hear another word about it - till today. I cant recall ever having made a repayment on the loan itself, indeed the relevant bank statements were discarded just 3 weeks ago so i cant now check, funny timing. I did have a CCJ around the time but for the life of me i cant recall what it was for, could be any number of things at the time when i was terrible with money. Anyhoo, assuming the worst case scenario where i didnt make any payment on the CDL itself, didnt have a CCJ because of it and cant show any documents regarding the course/loan any more (it has been 13 years) where do i stand with Barclays now they have taken a new interest in the debt ? I would never have received the letter if i didnt know the current occupier of my previous address. Oh and, Hi ! - first post