Hi, I am doing some research into a CLC (City Learning Centre) School Investment company in my local area. A friend who has helped came across an excel sheet detailing Barclays financial data. It is part of the directory below: Index of /bankinfo Can I ask where CAG got this data from?

You could try Corgi as well: Home They might be able to offer you a guide price for what you want doing and possible further information.

Hmmmmmmm i'm back again for another shot. Right in your initial post you mentioned: "There is no cancellation period stipulated in the terms and conditions I was sent." You will need to read the: The Consumer Protection (Distance Selling) Regulations 2000 Having re-read the regulations I need to change my viewpoint slighty which might buy you more time. Please note, I am not a legal expert at all and this is just my interpretation of what it says (which is complicated). If you want definitive interpretation of the Statute you will need to go over the regulations with a fine tooth comb and: Blacks Law Dictionary. Statutes and Acts aren't written in English they are written in Legalese which is the language of law. Some of the definitions can vary dramatically between English and Legalese. For instance whenever you see "may" in an act it means "must". I draw your attention to: Part 12: Cancellation period in the case of contracts for the supply of services Section (2): So I make it that the 7 day cooling off period started the day after you signed up for the course and agreed the contract. Also in the regulations in section 3 it defines working days as: Personally I reckon that gives you 10 normal days to cancel. So if you signed it on say a Monday. Cooling period starts Tuesday So cooling period would be: Tue, Wed, Thur, Fri, Mon, Tue, Wed Also don't let them tell you that it must be in writing it's BS. Look at Section 10: Right to cancel part (3) That would mean if they have a telephone or e-mail you cancel by that means. Hope I have explained that well enough PS. I knew I forgot something: You stated: There is no cancellation period stipulated in the terms and conditions I was sent. For the cooling period to be 7 days they must adhere to Section 8 of the regulations. This is going to get complicated a bit so my apologies. This is the part of Section 8 I am referring to: If you are adamant there is no mention of how to cancel in their T&C's then it changes it. If that is the case then look at: Right so if they haven't adhered to Section 8 then paragraph 2 isn't relevant. It would be paragraph 3 or 4. Both of those gives you 3 months to cancel not 7 days. Paragraph 3 is different to 4 by saying that they have 3 months to send you information on how to cancel then you have 7 days from the day that info was received. I would read and familiarise yourself fully with the above and the regulations and then ring them and cancel. If you can sit there and read the regulations to them down the phone and show their failings of it to them I can't see them not caving in to be honest. Good luck.

The definition of working days is: "working days" means all days other than Saturdays, Sundays and public holidays. This is from the Statutory Instrument 2000 No. 2334 The Consumer Protection (Distance Selling) Regulations 2000 The bit you are looking for is Section 11 part (2) which states: (2) Where the supplier complies with regulation 8, the cancellation period ends on the expiry of the period of seven working days beginning with the day after the day on which the consumer receives the goods. Hope that helps

Unfortunately the period is 7 days which are covered by the Distance Selling Regulations. If you done it online they don't need a signature as it will be regarded as a electronic signature. As for what options you have? Unfortunately I can't see a way out of this without paying for the services. Hopefully someone else will be able to give you some help on what to do next.

No problem. Will keep my fingers crossed it will do the trick. She might only get £300 of the £350 back as per the Banking Code but it is better than nothing.

As for exact wording of the letter, sorry but i'm not very good at composing letters so I would check this for grammar and such: You need to fill the relevant details in including the ones in brackets. Hope this is of some help.

Internet executed agreements would be covered under the Electronic Communications Act 2000 I would of thought. As for it holding up? I would of said it does. From the Communications Act 2000 7. Electronic signatures and related certificates In any legal proceedings— (a)an electronic signature incorporated into or logically associated with a particular electronic communication or particular electronic data, and (b)the certification by any person of such a signature, shall each be admissible in evidence in relation to any question as to the authenticity of the communication or data or as to the integrity of the communication or data. But Lula points out there were changes in 2007 and I am really not familiar with those.

I am not a legal guru but as from my understanding of courts and the legal process, a court is there to adjudicate as no remedy could be found through negotiation before being in court. If you ignored them before going to court the Debt Collection company can state that they offered up communication for you to find remedy but you ignored contact. Depending on the Judge this might well work against you trying to plead your case in court. If you are positive it will end up in court I would enter into communications with the Debt Collection company. You don't have to agree to anything they wish of you but at least when you go to court you can show that you did at least seek remedy before the court case. You also dispute the amount. That is where I would start. You can send the Debt Collection company a letter requesting details without acknowledging the debt is yours. National Debtline England & Wales | Debt Advice | Factsheet 11 Mortgage Shortfalls The link above gives an example letter of what to send (Sample M1 Letter). That page also offers up some good advice to follow. It is quite possible your original mortgage was Securitized in some way and that is why it has been passed on to the Debt Collection company. If that is the case they will struggle to give you the information you are entitled to know. Make sure you keep copies of every letter you send off requesting information. If you can show in court that you sought information to help find some remedy and the Debt Collection company could not (or would not) give you the information it will help your case. Anyway my best advice would be read what it says in the nationaldebtline link above. Any further questions just give people here a shout.

My apologies I worded that incorrectly. I meant to ask which law is it that means that its unenforceable without a signature.

Can I ask which law means its enforceable without a signature.

Sorry to be a bearer of bad news but if it's in your contract and you signed it, I would guess legally speaking you agreed to it.

Yeah unfortunately your options don't look too great I can't believe the attitude of the CAB woman, I would still give National Debtline (National Debtline – Free, Confidential Debt Advice – Call 0808 808 4000) they might throw up an idea we haven't thought of. Regarding how far through your payments? I make it that you have made 19 of 60 payments so far so around 1/3rd of the way through.

From what I can gather they must get your consent for this. From Businesslink: Manage overtime Time off in lieu A question though: Was does your contract state? If it doesn't state that about overtime I would assume they are in breach of contract. You could try contact the Pay and Work Rights helpline Details here: Pay and Work Rights helpline : Directgov - Directories

That is not something I could answer sorry. I did notice in the T&C's point 4. What was in the pre-contract information? Have you tried National Debtline and Citizens Advice?