Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
AVOID THESE (Regrettable also Stow College, Glasgow?!)
I asked the Home Visit her just two questions critical to my decision;
Q1. Do I need to ensure that my £200 ILA contribution is in place ie. already received BEFORE I commit financially to the DD+course fees? Answer; NO. Just apply now; when they send your Reference No. give it to Stow College and they'll discount the money from your balance of fees. (only fools would commit early otherwise on an Open Start Date course!) Q2. Are there any penalty fees for early re-payment of the 0% interest loan? (If there's no loss of interest for the lender, why the heck shd there be?!) Answer; No. There are no penalties, but what most people do is they take the lowest payment per month over the longest period of time.
Within days of signing on the dotted line, I received my Welcome Pack, then a letter from Stow College stating "Students must ensure that their ILA Fund Award has been received BEFORE starting their course."
WTF!
I decided to look closely over the Finance Forms! On the reverse of one this prize B*** had written in, Penalties for Early Settlement of Course Fees - £250, £500 and £750!? I decided to immediately cancel my direct debit and fortunately could do it online so I wasn't out of time to legally do so. I immediately wrote letters of complaint to a Ms J BLair at Stow College, to the College Principal (a Mr McGrory), and of course to HLC. I demanded explanation & a full admission to this obscene dishonesty, plus I wanted an apology. Nothing more than any decent person shd expect. Did I get any response? Not one...until HLC sent a stock letter yesterday, indifferntly saying "We're sorry to hear that you do not wish to proceed with your course. Please call this number to obtain a code for free courier uplift of our course materials".
I hope thousands of people get to read this. It's 100% TRUE. Pls pass it on and warn everyone you know of the risks of dealing with HLC+STOW!