I signed up with HLC in June 2009 - they allowed me to do this, knowing I was unemployed. I started the course, and was doing quite well until I found I was struggling with one of the assignments. I trawled through the forum to see if there was any help / advice and I found nothing. I was getting frustrated and in the end, really couldn't be bothered so I gave up, but obviously had to keep paying and did (£75 per month). After that, due to financial difficulty, I was able to reduce my monthly payments (which was help, and I am thankful for that)... only to get a letter threatening me with a default if I didnt pay x-amount before a certain date. My situation has got worse, (constant phone calls from them had me change my number, and contributed to my depression), but because I dont want them to win (ie me pay for it and get nothing out of it!) I recently enquired about changing my course. A lady explained that I could do this, but as I had signed up to one much more expensive and there was no possibility they could reduce the amount, she suggested I do 2 (though not at the same time) which I thought was a bit of a lifeline, I had found another course I was interested in doing; the lady then advised me to send an email in to Customer Support, explaining that I wanted to transfer my course, which I did. A few days later, I get a reply from someone in their Customer Support Department, saying I couldnt do it!! I have a mortgage and bills to pay, and a child to support, I do not see why I should have to pay for something I dont want, especially when I cant afford to! I have emailed her back, explaining that I was told I could change my course, and am looking forward to the reply. I have a lot going on in my life at the minute, and I could do without the hassle, but they arent going to win. Its one of the biggest mistakes I have made. I will pursue it and think that maybe a visit to the CAB is in order, but if theres any other advice anyone can give as to what I can do about this, I will be very grateful.