Barclays Partner Finance Nightmare!

Andrew_rm1981

Hello people i would like a bit of advice on this situation im in with Barclays partner finance. 2 years ago i started a online qualification with Skills Train after seeing there adverts on the TV and wanting to further my eductation in I.T, so this involved a 0% finance agreement for £2,757 (Cisco course and MS courses) at the time with Clydesdale. unfortunatly 2 months into the agrement i lost my job i tried to get out of the whole thing and was told i couldnt so i missed 2 months worth of payments for £75 pounds a month. once i returned to work i paid what i owed and was told by Clydesdale that they were passing the account onto CDF Careers Development Finace as i had missed payments and that they would be paying Clydesdale, so all continued as normal a standing order was setup with CDF and payments were taken each month i was late on 4 occasions which i was charged for and paid. a year and half into the repayments i had a letter from Barclays partner finance telling me they had bought Clydesdale out basically and the account was with them, so i called CDF and they confirmed they where now paying Barclays so i carried on paying CDF. I then kept getting the odd phone call from Barclays saying i'd missed payments and i was to pay them over the phone, and i explained the whole situation that i was paying CDF and CDF were paying them and that i was not in arears as the payment had come out of my account and confirmed with CDF that they had recieved and paid on my behalf. i had a number of calls over the last year regarding the same situation and CDF kept advising me they had been paid and to ignore Barclays as the agreement was with CDF. Finally the last payment was made August this year and i was sent a confirmation letter to confirm the account was paid in full. the following month i got a call off you guessed it Barclays telling me my account was in arrears by over 400 pounds i asked them to explain this figure and they told me that they were late payment charges, now i explained again as i did every time Barclays called me asking for payment that i paid CDF and they paided Barclays. This is were the nightmare begins Barlcays are now demanding payment of the charges incured on the account even though i have never directly paid them they confirmed CDF had withheld payment on a number of occaisions for a couple of months and then paid two months at once which resulted in the charges on the account, so after asking what this has to do with me as i never had any direct payment to barclays they told me that the agreement was with them not CDF and that i was liable for the charges they have incured. even though i can prove that i had made regular payments and have statments to show this from CDF and a letter to confirm the account is paid they are still pressing for legal action if i do not pay. im getting 3 calls a day from them regarding arrears its doing my head in! any advise would be greatfull!