Jump to content


  • Tweets

  • Posts

    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
  • Our picks

m60cka

Miss sold home college course

Recommended Posts

Hi everybody, new to this website so i am not sure if this is the correct place to post this,

 

around 10 weeks ago i stupidly signed up to a home college course to become an electrician,

at the time my head wasn't in the best place (was on medication for depression and anxiety, signed off work by my doctor)

 

I had a college adviser come to my house TWICE telling me he needed to make sure i was correct for the placement as they only give them out to hand full of people, saying the course was the best out there, take all the time you need there is no rush do it and in your own time and could cancel the course anytime blah blah blah...

 

He then gave me a colour blind test to do, so i told him 'i was told from secondary school test i was colour blind with red and brown' (not medically proven though), there was 20 questions to it, i managed to do around 8 questions, my 5 year old daughter finished it for me.

 

He then told me that test did not matter because it was for the old wiring system, "DONT WORRY ABOUT IT" he said. 

I also told him that i was on medication for what i mentioned above, he just brushed it off like i never told him.

 

Alarm bells should have started to ring then but like i said, my head wasn't in the correct place and to top it off im now struggling to make out the wiring pictures in the text books they have given me.

 

I feel like i have been lied to by this adviser just to make a quick quid ( i was caught off guard, normally im in the' its to good to be true bracket' so on a normal day i would never have gone near this)

 

Now i am stuck paying £180 per month for 40 months for a course i dont think im fit to do,

is there anyway i can cancel this agreement without having around a 7k debt over my head??

 

HELP OR ADVISE PLEEEEEASE

many thanks

Share this post


Link to post
Share on other sites

Please can you tell us which company you are dealing with.

Unfortunately you have gone well beyond the 14 day cooling off period that would have allowed you to cancel this because it is an "off premises" contract.

Where is the completed colour blind test now? Was it taken away or do you still have it?


Share this post


Link to post
Share on other sites

Also, do you have a copy of a contract?


Share this post


Link to post
Share on other sites

hi bankfodder, i was left a copy of the loan agreement and registration form, he also never told me that it would be loan :( 

 

i just feel like i've been told lie after lie and now i am in a legally binding contract which i cant get out of :( 

Share this post


Link to post
Share on other sites

who's the college

whos the agreement with.

have they taken any money yet?

did you fill out a DD mandate?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

You haven't told us who the company is. Also, we didn't realise that you are in a loan agreement. Who's the loan with?

Are you telling us that you have no questionnaire that you completed and no copy of the contract?


Share this post


Link to post
Share on other sites

ok so the company i went with is New Trades Career formally known as Green360 i think

 

i was lead to believe it was interest free finance that i paid monthly to company itself, it is not. It is actually an interest free 'loan' from a 3rd party called Caledonian Consumer Finance

 

i have already made 2 or 3 payments to them

 

i remember signing a direct debit form for my bank but i just assumed that it was so i could pay new trades career back, NOT a loan :( until i recieved the letter from the finance company i didnt even know it was loan :(

 

i definitely didn't fill out any questionnaire forms, i just remember him doing a shoddy finance check asking me what i paid out per month

 

as for a contract the only paper work i have from them is

a copy of a loan agreement by the cunsumer act

a copy of the registration for the college

a privacy policy/cookie policy

and a posted letter from the finance company about my account being up and running

 

 

 

 

 

Share this post


Link to post
Share on other sites

Thank you, please would you scan them into PDF format and post them up here. Redact them slightly so we can't see who you are or a reference number.


Share this post


Link to post
Share on other sites

You told us that you did fill out a questionnaire and that you only scored eight and that your five year old daughter had to finish the rest.


Share this post


Link to post
Share on other sites

the test i half filled out was a colour blind test, i could only do around 8 out of 20 i think

 

which is when i advised him that when i was younger, i wad told i was colour blind with red and brown 

 

but the advisor told me not to worry about it because it was for the old wiring system, 

 

this was posted

 

 

this was posted

 

this was posted

 

Share this post


Link to post
Share on other sites

One multipage pdf only please

Read upload


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

would it be better to take this up with a financial obudsman? i dont even want them to refund my money, i just want to stop the course as i feel ive been lied to and slightly mislead😔 im gutted 

Share this post


Link to post
Share on other sites

The best thing for you to do would be to help us to give you some proper advice by posting up the documents that you have received as has been requested.


Share this post


Link to post
Share on other sites

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

bankfodder i havent got a clue how to post images up on a multipage otherwise i would post them

andyorch, that link just takes me to there website or am i missing something?? thanks

Share this post


Link to post
Share on other sites

If you don't have a scanner then if you have an android phone, use this Adobe app https://play.google.com/store/apps/details?id=com.adobe.scan.android&gl=FR

 

If you are using an iPhone then I expect that they have the same app on the Apple App Store.

We are sorry to put you to this trouble – but we give extremely good advice here completely free of charge and the only thing we require is that people are able to use the technology and to be able to provide us with documents and other information we ask for.

You can get a perfectly good scanner from PC World for about 50 quid which will allow you to post up documents to us very easily and also you will have it for years. It's a great investment


Share this post


Link to post
Share on other sites

Share this post


Link to post
Share on other sites

read upload use officelens

 

its all in the guide it tells you to do


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

 

 

the caledonian paperwork is what i received through the post

Scan 5 Oct 2019.pdf

Share this post


Link to post
Share on other sites

Thank you. That's a bit better.

So if I understand correctly, you were visited on two occasions by a salesman and on the second visit you agreed to take the course and you are provided with the registration document which is the one with the cancellation notice at the bottom.

All the rest of the documents were supplied later on by Caledonian. Is this correct?

Did you sign anything? Also, once again where is the test paper which you completed? I've asked you this at least twice and you haven't come up with any answers yet.

I think that you are in a pretty tight spot but I do see a glimmer of hope that you will probably end up having to bring a small claim in the County Court. Are you up to this?


Share this post


Link to post
Share on other sites

Incidentally, you referred in an earlier post to the possibility of going to the ombudsman. I'm afraid the situation is not suitable for that. You are effectively involved in two contracts. One for the course and one for the finance. The finance agreement is subject to scrutiny by the ombudsman – but there are no questions over the finance agreement – at the moment.

The big? Is hanging over the agreement for the course. That is not a finance agreement. New Trades Career are not supplying any finance here and they aren't regulated by the FCA and they are not subject to ombudsman


Share this post


Link to post
Share on other sites

I've also looked again at the documents. They are rather difficult to follow. I suddenly realised that you actually haven't posted them in a correct order.

I hope you won't be offended if I say to you that this is extremely unfair to us. I think it is reasonable to ask you to present the documents to us in the way that you would like them presented to you if you are being asked to provide free help and advice to somebody.

Please could you set them out again – in correct order – straight, not blurred. Check the images first so that you are certain that you are able to read them and then you can be sure that they are in a decent condition.

 


Share this post


Link to post
Share on other sites

And in fact one of the documents which you have posted – long the cancellation notice – is not a finance document at all and didn't come from Caledonian – did it???


Share this post


Link to post
Share on other sites

ok so the colour blind test i had done, the sales person took it with him :( i have no copy of it.

 

yes i did sign the loan agreement sadly, rushing into it, i thought it was for the finance for new trades career, not a loan

 

 

as for the agreement for the course i do have that but i cant show  the front of it because all my personal details are on it

 

and yes if i had to take it to a small claims court i would happily do that

 

what if i had medical proof at the time i signed the contract that i wasnt in a fit state of mind to sign any contract maybe??  would that not help me?

 

the problem with all the lies he told me is i have no proof :(

 

im going to try and sort the paper work out in a better way now for you, sorry

 

Share this post


Link to post
Share on other sites

Thank you. I'm afraid that the agreement is extremely important and we need to see it. You will have to do redact it. I suggest that you cover the personal details and then scan it to us.

 


Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...