I'm a little perplexed that CDF haven't sent written confirmation that the account is now closed. Should I wait a ittle longer before I write to them? Any help would be much appreciated.

Thanks very much for your Kind advice. I will definately follow all your advice, and indeed that of others on this Forum. I do think though, that these companies are out there to scavange as much as they can. How dare they take advantage of those that are genuinely in financial distress. If i'm able to reclaim the charges and interest that I am entitled to, I too will follow these forums and pass on any critcal information to support others in their cases too. I for one am a supporter of these forums and appreciate your help. If anyone can give me examples of positive outcomes, it'd probably make me more determined in getting my money back. Thanks Guys, I shall start initiating proceedings in getting my money back, for one i'll start on the SAR.

Yeah, I agree. The details in my letter are not particularly personal in nature, nor does it contain sensitive information given to me, or by them, and certainly there's no confidentiality agreement, one of which I wouldn't entertain in accepting. As far as I'm concerned they've admitted liability, else why would they close the account? No benefit, which is why I'm considering legal action to get my money back with interest.... lets say, 8% simple interest per year since inception of my monthly repayments including my deposit. We shall see what CDF's letter contains first. I'll keep you posted.........

I appreciate your help, and will do some research. Ta

That's good news! In fact I have better news. I received a telephone call from Skills Train tonight, I thought it was a bit odd at first, as my claim was against CDF. Obviously I wrote to Skills Train regarding their obligations under the Trade Descriptions Act, of which a copy was sent to CDF. To my surprise, Skills Train confirmed that they received a copy of my letter from CDF, and they had in turn received the same letter this morning. To my astonishment it has been decided that the accoount has now been closed, in particular with CDF and that I should receive no further correspondance from CDF or any other debt collection agency for that matter. When he told me at that point I was silent, as I couldn't quite beleive that the letter I had written made quite an impact. Towards the end of the call I simply said that I look forward in receiving CDF's confirmation letter................... Wow! I realise that it's not over until I have written confirmation from CDF. Once received without strings, I will persue for the Fees already paid with interest! My letter will be available to anyone having the same problem with CDF and skills train, and may be adapted to suit your circumstances. What may throw a spanner in the works though, is that I enrolled onto the A+, N+ and CCNA course in 2006, before skills train was investigated by watchdog, which was televised in October 2008. Since then I believe that they amended their literature, so it's possible you can't make a claim against this mirepresentation, you may however, have a case based on the misguidance and quality of the course work / material, look under the Trade Descriptions Act which leads on to the Sale of goods act, which should hopefully confirm your reasons for dispute. Good luck! If possible I would like to share this in the Skills Train Forums, would it be possible to share this post in other forums? If so, would I be able to move this thread across?

Thanks for that, will I be able to obtain all charges within this information?

Hi, I've just recently got out of debt, the stress and frustration caused friction, and put the family out of balance. It caused a whole lot of anxiety, so we decided to cut our losses and sell up. We were fortunate, as we were in a position to pay back debts secured against the property. One of which was Ascenden. I borrowed over a 120 month period, this was for home improvements, holiday, car etc... it was for £15000, originally through London Mortage Company, then Capstone and now Ascenden. The Total amount of borrowing was £16600 due to a £1600 brokers fee added to the loan. It all started in March 2007, and I managed to complete the sale of my house in Feb 2012. Now forgive me for being naive here, after paying back over £15000 in repayments, the settelment figure paid was 16250, when I looked at the original agreement the total amount payable at the end of term would have worked out at £33500. 1.) What I'm trying to figure out is, why have I paid back nearly the amount payable under the full term? It works out that I had paid back circa £31250.00, Ascenden reckon it was made up of charges. Despite falling into nearly £3000.00 into arrears, by the time I had sold my property I made up the arrears balance to just under £1800.00, in other words the CMI was being paid, and an additional arrangement had been made too. 2.) When I asked ascenden in December 2011 for the settlement I almost choked, I asked for a breakdown of charges, but was fobbed off with the echoing sound of 'look at your terms and conditions' as I wanted to know why the settlement figure was so high. 3.) I have written in correspondance but I am facing a brick wall. I really honestly feel that I've been done, particularly when I've paid the debt half way through term. Is there any way I claim some if not all of the charges back. Your help would be very much appreciated. Mark

Thanks fo rthe tip, i'll do just that. Again being naive, am I able to start another thread as I already have one open? A new starter to these!

Hi, I've just recently got out of debt, the stress and frustration caused friction, and put the family out of balance. It caused a whole lot of anxiety, so we decided to cut our losses and sell up. We were fortunate, as we were in a position to pay back debts secured against the property. One of which was Ascenden. I borrowed over a 120 month period, this was for home improvements, holiday, car etc... it was for £15000, originally through London Mortage Company, then Capstone and now Ascenden. The Total amount of borrowing was £16600 due to a £1600 brokers fee added to the loan. It all started in March 2007, and I managed to complete the sale of my house in Feb 2012. Now forgive me for being naive here, after paying back over £15000 in repayments, the settelment figure paid was 16250, when I looked at the original agreement the total amount payable at the end of term would have worked out at £33500. 1.) What I'm trying to figure out is, why have I paid back nearly the amount payable under the full term? It works out that I had paid back circa £31250.00, Ascenden reckon it was made up of charges. Despite falling into nearly £3000.00 into arrears, by the time I had sold my property I made up the arrears balance to just under £1800.00, in other words the CMI was being paid, and an additional arrangement had been made too. 2.) When I asked ascenden in December 2011 for the settlement I almost choked, I asked for a breakdown of charges, but was fobbed off with the echoing sound of 'look at your terms and conditions' as I wanted to know why the settlement figure was so high. 3.) I have written in correspondance but I am facing a brick wall. I really honestly feel that I've been done, particularly when I've paid the debt half way through term. Is there any way I claim some if not all of the charges back. Your help would much appreciated. Mark

I heard about this after contacting Consumer Advice, I hope time isn't running out for me as it's been nearly six years..

Surly it goes against OFT regs to increase balance only to negotiate down to the original outstanding balance, it's criminal!

Hi, Sorry for not updating this post sooner, thanks for your replies guys. I've been so busy writing letters and e-mails it's difficult where to start. Geejay, thanks for your response, I've since read so many of your posts, re. getting your money back from skills train etc and found quite a lot of useful information. I haven't been able to find any original documentation as evidence and cannot find the transaction, although I can Identify that CDF have received £825.00 to date. I sent CDF and Skillstrain a letter with reference to Mis-selling and that theres no justification in their endorsement claims, I also mentioned their shabby service, that the saleman wasn't honest that it wasn't depicted to me openly and honestly, and wouldn't otherwise had signed up if i had known. I am now waiting for their response, I have given them 2 weeks to respond, I will send another letter outlining my intentions should I not receive a response in another 2 weeks. I will then refer this to the FOS, once 4 weeks have passed. I'm not sure what else to do other than wait for their response, even though they are saying that they have no evidence that i wanted to cancel, i'm sure they're hiding behind their 21 day policy, and 'no recorded letter, no evidence' attitude. ScarletPimpernel, I received a reply from Daniels Silverman who were trying to act in CDF's best interest by replying on their behalf, I sent one back stating that my dispute is with CDF and Skills Train, since then I have forwarded copies of correspondance to Daniels Silverman, and now they've repssnded by saying that they have passed the account back to CDF. I hope that I'm able to get this resolved, I've heard so many neagtive responses so far and can only say Geejay, I hope the outcome is the same as yours. I heard about the Statute of Limitation Law when I contacted consumer direct last week, so now understand why they're chasing me. I enroled on the course in June 2006, so hope time isn't running out for me either. I look forward to hearing you responses, and would very much appreciate your help in getting a positive outcome. If it helps i can mail out letters i have alreday sent for close inspection and scrutiny.

Thanks, I'll look back at my transactions. It does seem odd that it's taken all this time. Perhaps they thought that time itself would suggest that as proof would be difficult to obtain, that I would simply pay a debt that I am not liable for, Daniels Silverman should be chasing Skills Train and not me.

I am so frustrated at the moment, I have just got out of debt and living a new life, when after 5 years of nothing from Skills Train or CDF for that matter, I get a letter from CDF telling me that they are about to initiate Daniels Silverman regarding an outstanding debt of £1875, 2 days later I get a letter from Daniel Silverman demanding that I pay £2437.50 . I remember speaking to them some months after i signed up for the course, and like many others, weren't able to commit enough time for it, particularly being duped by the glossy brochures and and in particular the suave salmean who had turned up with a phillipino woman which he said was his wife:|! I had asked to see if I could cancel the course, as it was outside of the 21 day cooling off period I'm stuck with it. After several calls to the Credit Information Bureau (appointed collectors in 2007), they put the situation on hold, it was then that Skills Train had decided that I could cancel provided I put up a small fee, which I did to my reluctance, and that they would in turn contact CDF to cancel the agreement. There you have it, I heard no more until 28/03/2012 from CDF! and then from Daniels Silverman:mad2: So yes in a nutshell I am breathing fire, I have no letters, finance agreements, nothing as this was all water under the bridge until now, that I have correspondance and e-mails that I have sent to those concerned. Can somebody help me, I know I'm not alone on this one; I'm not sure if my approach is a little on the assertive / aggressive side, however would like to know wether I'm dealing with this as one should. 1.) I have looked on this forum and pieced together some info on this unscrupulous company, so that I can put together an argument, and will also visit the consumer advice service website, to gather some info for future use 2.) I have sent a response letter to CDF's demands and indeed that of Daniel Silvermans, I can send and e-mail to anyone out there prepared to scrutinise it and offer me some guidance. 3.) So far my communicatoins have been via e-mail, is this ok? I have asked for read receipt requests, although I got a reply from Daniels Silverman, they never sent the read request back to me? I'm no legal boffin, but wonder if this will help, if anyone could give me any pointers then I would be extremely grateful:-D!