sorry to correct you dan,
the customer deal is WITH barclays as much as it is with the company as they agreed to lend the money to pay for the services of access2trade, with barclays agreeing the finance and access2trade not providing the services in full the buck now rests with barclays as they have legally financed a failed product that under consumer law you can rightfully now challange and reclaim your costs, its a similar scenario with when people pay for holidays with credit cards
http://www.oft.gov.uk/shared_oft/reports/consumer_credit/oft303.pdf
so if you lost money get on to your loan company even if you have fully paid your loan and just need to sit exams as you still have not recieved your GOODS/SERVICES in full for what were been paid for by a loan
the bank will have to refund you and give you monies owed and then they become a creditor on the long list of names at the insolvency practioners list for access2trade....!!
steve