I'll keep you posted... Not made payments since Nov'15 now and received a letter every month demanding payment plus penalty charge. This was only possible due to my debit card running out in Nov'15 so they could no longer charge it every month for £160. I signed up in 2011 or 2012 i think it was (ATL with trade skills 4 u finance agreement) and have not studied any of the material initially or been contacted by ATL even once to see how I was doing. A few months in my physical health deteriorated and I knew I couldn't carry on. Still made payments however. I'm WELL ABOVE 50% of the total costs so will probably write back to them and say cancel the course, the payments, the lot... and leave me alone. Unless anyone has any other suggestions?