Miss Sold An Online Course

[Craig1]

Hi LB,

I am putting this thread out there as I am looking for information on how I can get my money back from a online games course called Train2Game.

I have spoken to the consumer side of Citizens Advice and they tell me to write a letter to Train2Game as well as the finance company that loaned the full sum of money to pay for the course.

Do you have any advice on this, I have seen some threads on here.
I will be very grateful of any advice.
Regards
craig

[charitynjw]

Re: Miss Sold An Online Course

Hi Craig1 & welcome to LB

This thread has some info
http://legalbeagles.info/forums/show...712#post667712

[des8]

Re: Miss Sold An Online Course

Hi and welcome

How long ago did you sign up?
When did you realise it was mis sold?
In what way do you believe it was mis sold?

[Craig1]

Re: Miss Sold An Online Course

Hi,

I signed up for it in 2013.
I started the course and a few things got in the way I was ill for a long period of time and then had a long recovery.
When I came back to it in 2015 I realised that there had not been any webinars online video training etc. This is what I was promised in my initial meeting at my home.
I carried on paying the monthly charge as I didn't have the energy or time to fit it and didn't want to end up with poor credit.
I have finished paying off the £5000 now and the more and more I look into Train2Game on here and online in general I see its not a good course and a lot of people feel the same way.

- - - Updated - - -

Hi and welcome

How long ago did you sign up?
When did you realise it was mis sold?
In what way do you believe it was mis sold?

Hi,

I signed up for it in 2013.
I started the course and a few things got in the way I was ill for a long period of time and then had a long recovery.
When I came back to it in 2015 I realised that there had not been any webinars online video training etc. This is what I was promised in my initial meeting at my home.
I carried on paying the monthly charge as I didn't have the energy or time to fit it and didn't want to end up with poor credit.
I have finished paying off the £5000 now and the more and more I look into Train2Game on here and online in general I see its not a good course and a lot of people feel the same way.

[des8]

Re: Miss Sold An Online Course

Unfortunately you are too late to rescind the contract using the Misrepresentation Act 1967.

As you had a loan(?) you can try complaining to the FCA about mis-selling, as well as writing to the finance house.

Or you could request a return from T2G because they did not complete their side of the contract in that they did not supply what was promised at your initial meeting.
I don't suppose the written details coincide with the verbal promises made, and there in lies your problem if you were to initiate court proceedings.

[Craig1]

Re: Miss Sold An Online Course

Hi,
I have written out 2 letter one for the loan company and one for T2G to request money back.
I have gone through all documents/books etc they gave me and highlighted the areas they mention online training, video training/classrooms and webinars. I feel the mention of this as well as the split between TIGA and T2G gives me a good case.
Would you say?

[des8]

Re: Miss Sold An Online Course

Would you care to post up your letters (redacted) for others here to give them the once over?

[Craig1]

Re: Miss Sold An Online Course

How do you add images or docs so I can post these letters?

[Craig1]

Re: Miss Sold An Online Course

Would you care to post up your letters (redacted) for others here to give them the once over?

I have just copied and pasted below;

CAREER DEVELOPMENT FINANCE LIMITED
56 COLLINGDON STREET
LUTON
BEDFORDSHIRE
LU1 1RX

7 June 2016

Breach Of Contract/Misrepresentation Act 1967
(section 75 & 56 consumer credit act)

Dear CDF,

I entered into an agreement with your company on 08/2011 at a cost of £5000 via Direct Debit.
Agreement Ref:.....................

At the time of purchase, it was indicated by a representative from Train2Game, (company CDF provide finance to) Uzma Naz, that the service would include:
1. Regular Online Webinars (tutorials)
2. Live Interactive Tutorials
3. That TIGA was a course partner, (I know in recent months that this is a false claim as TIGA As Course Partener, has removed themselves been associated with Train2Game)
As I progressed with my course I discovered this is not the case, therefore I feel the contract was misrepresented to me. As such,I understand that under section 75 and 56 of the Consumer Credit Act 1974 you, as the finance company involved in the transaction, are liable to the customer (me) for any breach of contract or misrepresentation along with the supplier of the goods and services.
The supplier’s failure to provide services outlined above is a breach of contract, and as I paid by Direct Debit I hold you liable for this breach as well as the supplier of the course (Train2Game).
I therefore expect you to credit my account with the full purchase price of £5000 within the next 14 days.
If I do not hear from you with a satisfactory response to this letter within 14 days then I will reserve my right to start legal action against you to recover my loss due to your failure to comply with S.75 and S.56 of the Consumer Credit Act 1974.

As this is a formal letter I must refer you to the Practice Direction on Pre-Action Conduct and in particular to Paragraph 4 concerning the Courts powers to impose sanctions for failure to comply with the Practice Direction.
Yours faithfully,





Train 2 Game
Hamilton House, 80-88 Collingdon Street
Luton,
Bedfordshire,
LU1 1RX

Breach Of Contract/Misrepresentation Act 1967
(section 75 & 56 consumer credit act)

Dear Train 2 Game,

I entered into an agreement with your company on 08/2011 at a cost of £5000 via Direct Debit.
Agreement Ref: …………...

At the time of purchase, it was indicated by a representative from Train2Game, Uzma Naz, that the service would include:
1. Regular Online Webinars (tutorials)
2. Live Interactive Tutorials
3. That TIGA was a course partner, (I know in recent months that this is a false claim as TIGA As Course Partener, has removed themselves been associated with Train2Game)

As I progressed with my course I discovered this is not the case, therefore I feel the contract was misrepresented to me. As such,I understand that under section 75 and 56 of the Consumer Credit Act 1974 you, as the course provider company involved in the transaction, are liable to the customer (me) for any breach of contract or misrepresentation along with the finance company of the goods and services.
The supplier’s failure to provide services outlined above is a breach of contract, and as I paid by Direct Debit I hold you liable for this breach as well as the finance company of the course (Career Development Finance Ltd).
I therefore expect you to credit my account with the full purchase price of £5000 within the next 14 days.
If I do not hear from you with a satisfactory response to this letter within 14 days then I will reserve my right to start legal action against you to recover my loss due to your failure to comply with S.75 and S.56 of the Consumer Credit Act 1974.

As this is a formal letter I must refer you to the Practice Direction on Pre-Action Conduct and in particular to Paragraph 4 concerning the Courts powers to impose sanctions for failure to comply with the Practice Direction.
Yours faithfully,

[des8]

Re: Miss Sold An Online Course

I have just copied and pasted below;

CAREER DEVELOPMENT FINANCE LIMITED
56 COLLINGDON STREET
LUTON
BEDFORDSHIRE
LU1 1RX

7 June 2016

Breach Of Contract/Misrepresentation Act 1967
(section 75 & 56 consumer credit act)

Dear CDF,

I entered into an agreement with your company on 08/2011 at a cost of £5000 via Direct Debit.
Agreement Ref:.....................

At the time of purchase, I was told by a representative from Train2Game, (company CDF provide finance to) Uzma Naz, that the service would include:
1. Regular Online Webinars (tutorials)
2. Live Interactive Tutorials
3. That TIGA was a course partner, (I know now that this is a false claim as TIGA As Course Partener, has removed themselves from association with Train2Game)
As I progressed with my course it became clear the contract was misrepresented to me and the supplier was in breach of contract Under section 75 and 56 of the Consumer Credit Act 1974 you, as the finance company involved in the transaction, are liable to the customer (me) for any breach of contract or misrepresentation along with the supplier of the goods and services.
.
I therefore require you to credit my account with the full purchase price of £5000 within the next 14 days.
If I do not hear from you with a satisfactory response to this letter within 14 days then I will reserve my right to start legal action against you to recover my loss due to your failure to comply with S.75 and S.56 of the Consumer Credit Act 1974.

As this is a formal letter I must refer you to the Practice Direction on Pre-Action Conduct and in particular to Paragraph 4 concerning the Courts powers to impose sanctions for failure to comply with the Practice Direction.
Yours faithfully,





Train 2 Game
Hamilton House, 80-88 Collingdon Street
Luton,
Bedfordshire,
LU1 1RX

Breach Of Contract/Misrepresentation Act 1967


Dear Train 2 Game,

I entered into an agreement with your company on 08/2011 at a cost of £5000 via Direct Debit.
Agreement Ref: …………...

At the time of purchase, I was told by your representative, Uzma Naz, that the service would include:
1. Regular Online Webinars (tutorials)
2. Live Interactive Tutorials
3. That TIGA was a course partner, (I know now that this is a false claim as TIGA As Course Partener, has removed themselves from association with Train2Game)

As I progressed with my course it became clear the contract was misrepresented to me and, you, as the course provider were also in breach of contract.
I therefore require you refund the full purchase price of £5000 within the next 14 days.
If I do not hear from you with a satisfactory response to this letter within 14 days then I reserve my right to start legal action against you to recover my lossesd
As this is a formal letter I must refer you to the Practice Direction on Pre-Action Conduct and in particular to Paragraph 4 concerning the Courts powers to impose sanctions for failure to comply with the Practice Direction.
Yours faithfully,

Tweaked your letters slightly.
send both companies a copy of the other's letter

[Craig1]

Re: Miss Sold An Online Course

Tweaked your letters slightly.
send both companies a copy of the other's letter

Ok thank you very much, do you feel I have covered everything as well as including the correct sections to quote?

[des8]

Re: Miss Sold An Online Course

you have given sufficient information at this stage.
Wait for their dismissal of your claim!

[Craig1]

Re: Miss Sold An Online Course

you have given sufficient information at this stage.
Wait for their dismissal of your claim!

Ok I am sure it will be dismissed.
Where do I go from there if it does?
I will make sure I send the recorded delivery. Do I need to give them a set time to respond within?

[des8]

Re: Miss Sold An Online Course

You gave them 14 days.
Just wait and see what comes back .... next step depends on their response

[Craig1]

Re: Miss Sold An Online Course

I will be sending my letter off tomorrow via recorded post