Dusty-B, you could ask Mr Barclays to pay out your CDL to the training provider in up to 5 instalments, that way, you'll have better control of the money (just in case the training provider goes bust). The other option is to have a word with your training provider and ask them to open a joint account (you and them), that way, the money gets transferred into the account in one go, but only with both signatures can it be withdrawn so you control when/how to use the money. I have done it myself.