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Not being on the electoral roll = liable for £5k???


essexbrummie
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Hi all I'm new to this and need some advice.

 

I am being chased by a solicitors for a debt which I don't think I should be liable for.

 

I went on an open day at a college because I wanted to start a course in 2011. A representative of the college told me that if I applied for 2010 I would still be accepted (I have a witness to this). I made the late application and received my acceptance on 12th August. The finance terms and conditions stated that I had an eleven day cooling off period where I would get a full refund. If you cancel after this date you lose your deposit, if this occurs after 31st July you are liable for part of the course fees. I did not think this would apply to me because I had been persuaded to apply late....My acceptance was after 31st July.

 

A bank loan is needed to go on the course, the bank needs a letter from the college as proof of acceptance before it will consider the loan application. I asked the college for this letter. They replied that I would receive it within 5 working days (the end of the five working days coincided with the end of the eleven day cooling off period). At the bank I failed the credit check because I was not registered on the electoral roll. I informed the college on 1st September, I was passed from department to department who all said that even if I cancelled now I would be liable for £5,000 (half of the course fees).

 

Solicitors are now chasing me for the debt. I have written to the college again who replied that I made an agreement and I should only communicate with their solicitors.

 

I have been to the CAB who said that the law is too complex and I need a solicitor. Legal aid is not available for this type of case and the solicitors I have called charge around £150 p/h, which I cannot afford.

 

I only had a relationship with the college for around 3 weeks, I can't see how they can be asking for £5,000. Unqualified people (friends, relatives etc) keep telling me to fight this because it is wrong. However I am afraid of having a CCJ made against me.

 

Does anyone have any advice please????

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