CCA 1974 credit card deposit claim

Prseymour

Credit consumer act 1974

Back in 2001 I started a Microsoft Engineer course with an industrial/government approved provider.
To pay for the course (over £2000), my mum paid a deposit by credit card on the day and the remainder via a student loan from Barclays (of which said they it was necessary to vet the course provider was legit and accredited. Interesting they also banked with Barclays).
But in any way, after one module in, the provider went into administration and I was no longer able to complete the course.
Interesting they were in the red for several months and knowing this, still continued to mislead students into signing up for the course, knowing full well they were seeking advise from Administrators and assistance from their own bank Barclays! The same people who thought it would be good to sign off a student loan from!!

In any case, several hundred students were left without the course and the Administrators calculated about £1 each as creditors (!).

I complained to Barclays straight away, of which they said that I was unfortunate and that nether the student loan or credit card deposit was enough for me to get my money back.

The question is:
1. Is there a time restraint to which I can still pursue a claim?
2. Are Barclay Card 100% accountable due to the part payment for the whole course, and I could be entitled by them for whole £2000?

Many thanks for any advise.
Phil Seymour

molerat

The statute of limitations for claims on debt is 6 years.

InsideInsurance

molerat wrote: »

The statute of limitations for claims on debt is 6 years.

The question is on breach of contract rather than debt but it doesnt matter as its also 6 years in England (5 in Scotland)

Whilst question 2 is irrelevant due to the matter now being statute barred you would also have had issues making a claim against BC because it was your mothers card but your course and thus your mother was not going to receive benefit from the services she was buying which also means it cannot be covered by S75

If all these issues werent there (ie it happened last year and had been your credit card) then the bank would be on the hook for the merchants full liability not just the amount you paid via the credit card.

jonesMUFCforever

''Your mum'' paid was enough for me to guarantee you have no case to answer even if it was not statute barred.