Trades Gateway cancellation Help Please

[perryah]

Re: Trades Gateway cancellation Help Please

Interested to know what you learnt in the time you were with them might be evidence that the course is not fit for purpose and may help others

To be honest not a lot because it's okay reading how to do something but it's the sort of job you need to do practically to learn. Don't even get me started on the software, my mobile phone has better graphics, it's so glichy, their website is very outdated, you don't really have a tutor either just someone that sends you back generic responses. I seriously can't work out what £160 a month pays for.

[Jack_93]

Re: Trades Gateway cancellation Help Please

I have managed to cancel after paying 7 months (and cancelling the 8th) worth of installments. I asked initially after 5 months and stated mental health and home issues as reasons to stop, they declined stating that I had signed the contract. I tried again in September and included medical letters and an invitation from my doctor for them to contact him and they could pay his fees for doing so. They wrote back highlighting how I had signed a contract but they would be generous and wonderful people and return the money to the loan company and cancel my course (woohoo!). Not sure how this helps you guys still struggling with them, but it's been fantastic to know that it's one less worry for me and money I can't afford to lose is no longer being sucked away...
Good luck folks x

Hey! Just wondering, i have been to the doctors before i started this course about Depression & Anxiety... If i managed to get a medical note etc to help me get out of this would it make it more difficult for me to find a job? My friends said employers can check your history on stuff like that?

[wales01man]

Re: Trades Gateway cancellation Help Please

Interested to know what you learnt in the time you were with them might be evidence that the course is not fit for purpose and may help others

[Rhysbm]

Re: Trades Gateway cancellation Help Please

They're too small to read so can you e-mail them in the original file size to @Amethyst at admin@legalbeagles.info and put 'Rhysmb - Trades Gateway docs' as the subject and put a link to this thread in the e-mail please.

Hi thank you, I had a feeling they were. I have sent an email over

Thank you

Rhys

[EXC]

Re: Trades Gateway cancellation Help Please

Also, did you mean i should write them a letter of cancellation due too the fact i did not recieve a copy of the contract?

Yes.

When i send them a CCA request how do i pay them? With a cheque?

Yes.

[EXC]

Re: Trades Gateway cancellation Help Please

Hi I have taken photo's of the various documents and hope they help! Sorry I couldn't scan them, its broken!

[IMG][/IMG] [IMG][/IMG]

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I hope these can help. If they are not clear then I will try to scan them at some point. These are what were left with me by the agent.

Thank you

Rhys

They're too small to read so can you e-mail them in the original file size to [MENTION=6]Amethyst[/MENTION] at admin@legalbeagles.info and put 'Rhysmb - Trades Gateway docs' as the subject and put a link to this thread in the e-mail please.

[Jack_93]

Re: Trades Gateway cancellation Help Please

Marlborough are the parent company of Trade Gateway ( and Train 2 GAme, Bright Sparks etc etc )

To cancel then you need to write to Marlborough Information Services then ( as they seem to be the creditor )

They have FCA permissions as follows



Address is .....

1st Floor, Kinsbourne Court 96-100 Luton Road
Harpenden
Hertfordshire AL5 3BL




So letter of cancellation as you have not received your copy of credit agreement therefore your cancellation period has not started, plus you want to send them a CCA request to ask for a copy of said credit agreement ( http://www.legalbeagles.info/forums/...y-of-Agreement )

I'd also make a complaint to the FCA once you have their responses.

Thank you for all your help! You have given me some really good information and i am really greatful for it!

I will keep updating on the situation as i stated before

Also, did you mean i should write them a letter of cancellation due too the fact i did not recieve a copy of the contract?

When i send them a CCA request how do i pay them? With a cheque? I have never done this before..

Some other information i did not mention beforehand.. I went on Noddle and no loan was to be seen on there if that would imply anything?

Sorry if i'm not making sense i'm not feeling myself

[Rhysbm]

Re: Trades Gateway cancellation Help Please

fairness, shmairness

Okay in that case you need to cancel the course and the credit agreement separately.

You could refer to http://www.legislation.gov.uk/uksi/2.../contents/made if you feel it is applicable.

Have you tried to start the course ?

The address for the creditor is

80-88 Collingdon Street
Luton
Beds LU1 1RX


Would you be able to photo or scan the copy document you have and upload here please. ( take off your own details first )

Hi I have taken photo's of the various documents and hope they help! Sorry I couldn't scan them, its broken!

[IMG][/IMG] [IMG][/IMG]

[IMG][/IMG] [IMG][/IMG]

[IMG][/IMG] [IMG][/IMG]


I hope these can help. If they are not clear then I will try to scan them at some point. These are what were left with me by the agent.

Thank you

Rhys

[Amethyst]

Re: Trades Gateway cancellation Help Please

Also should send a CCA request to CF4TS for a copy of the agreement.... might help later - http://www.legalbeagles.info/forums/...y-of-Agreement

[Rhysbm]

Re: Trades Gateway cancellation Help Please

fairness, shmairness

Okay in that case you need to cancel the course and the credit agreement separately.

You could refer to http://www.legislation.gov.uk/uksi/2.../contents/made if you feel it is applicable.

Have you tried to start the course ?

The address for the creditor is

80-88 Collingdon Street
Luton
Beds LU1 1RX


Would you be able to photo or scan the copy document you have and upload here please. ( take off your own details first )

Hi,

I will do take a picture tomorrow and upload it

Ok, I will give that a try and see where I get, after reading many of these posts I am having many doubts, however unlike many, it is not stated on my noddle accoun that I have a credit agreement with them? ... eventhough I signed one?

Thank you!

Rhys

[Amethyst]

Re: Trades Gateway cancellation Help Please

fairness, shmairness

Okay in that case you need to cancel the course and the credit agreement separately.

You could refer to http://www.legislation.gov.uk/uksi/2.../contents/made if you feel it is applicable.

Have you tried to start the course ?

The address for the creditor is

80-88 Collingdon Street
Luton
Beds LU1 1RX


Would you be able to photo or scan the copy document you have and upload here please. ( take off your own details first )

[Rhysbm]

Re: Trades Gateway cancellation Help Please

Hiya xxx

Did you get a copy of the agreement ? ( while I'm thinking on that side of things ref Jack_93 )

Do you know if you have a loan or if you are paying monthly for the course ? ( it is probably a loan but sold to you as a monthly payment for the course )

And no, don't just leave it, they do bring court action ( eventually ).

Hi thank you for your reply!

I do not believe I have received anything since they signed me up. I have a pink form with the logo of CF4TS. In fairness at the top it does say Fixed sum loan agreement :S.

Oh really? Ok I wont leave it, how come it is not coming up as one of my loan things on Noddle? I received a text from CF4TS asking me to phone and pay today

Thank you

Rhys

[Amethyst]

Re: Trades Gateway cancellation Help Please

quote removed for legal reasons

Hiya xxx

Did you get a copy of the agreement ? ( while I'm thinking on that side of things ref Jack_93 )

Do you know if you have a loan or if you are paying monthly for the course ? ( it is probably a loan but sold to you as a monthly payment for the course )

And no, don't just leave it, they do bring court action ( eventually ).

[Amethyst]

Re: Trades Gateway cancellation Help Please

The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013

Provision of copy or confirmation of off-premises contracts

12.—(1) In the case of an off-premises contract, the trader must give the consumer—

(a)a copy of the signed contract, or

(b)confirmation of the contract.

(2) The confirmation must include all the information referred to in Schedule 2 unless the trader has already provided that information to the consumer on a durable medium prior to the conclusion of the off-premises contract.

(3) The copy or confirmation must be provided on paper or, if the consumer agrees, on another durable medium.

(4) The copy or confirmation must be provided within a reasonable time after the conclusion of the contract, but in any event—

(a)not later than the time of the delivery of any goods supplied under the contract, and

(b)before performance begins of any service supplied under the contract.

(5) If the contract is for the supply of digital content not on a tangible medium and the consumer has given the consent and acknowledgement referred to in regulation 37(1)(a) and (b), the copy or confirmation must include confirmation of the consent and acknowledgement.

Offence relating to the failure to give notice of the right to cancel

19.—(1) A trader is guilty of an offence if the trader enters into an off-premises contract to which regulation 10 applies but fails to give the consumer the information listed in paragraph (l), (m) or (n) of Schedule 2 in accordance with that regulation.

(2) A person who is guilty of an offence under paragraph (1) is liable on summary conviction to a fine not exceeding level 5 on the standard scale.

and

Cancellation period extended for breach of information requirement

31.—(1) This regulation applies if the trader does not provide the consumer with the information on the right to cancel required by paragraph (l) of Schedule 2, in accordance with Part 2.

(2) If the trader provides the consumer with that information in the period of 12 months beginning with the first day of the 14 days mentioned in regulation 30(2) to (6), but otherwise in accordance with Part 2, the cancellation period ends at the end of 14 days after the consumer receives the information.

(3) Otherwise the cancellation period ends at the end of 12 months after the day on which it would have ended under regulation 30

That should work with Trade Gateway AND Marlborough (if its not a credit agreement)

[Amethyst]

Re: Trades Gateway cancellation Help Please

Marlborough are the parent company of Trade Gateway ( and Train 2 GAme, Bright Sparks etc etc )

To cancel then you need to write to Marlborough Information Services then ( as they seem to be the creditor )

They have FCA permissions as follows

Firm name: Marlborough Information Services Ltd
Interim Permissions reference number: 627584

Permission

Description

Status

Limitation Against Permission

Permission End Date
Consumer credit business Entering into a regulated credit agreement as lender; and exercising, or having the right to exercise, the lender's rights and duties under a regulated credit agreement. Active
Credit brokerage Credit broking
Or
Credit broking limited to credit intermediation Active
No right to canvass off trade premises

Address is .....

1st Floor, Kinsbourne Court 96-100 Luton Road
Harpenden
Hertfordshire AL5 3BL




So letter of cancellation as you have not received your copy of credit agreement therefore your cancellation period has not started, plus you want to send them a CCA request to ask for a copy of said credit agreement ( http://www.legalbeagles.info/forums/...y-of-Agreement )

I'd also make a complaint to the FCA once you have their responses.