Trades Gateway cancellation Help Please

[Jack_93]

Re: Trades Gateway cancellation Help Please

PayAsyouGo ? that's a new one. 08431782678 goes to a generic 'the payment department is now closed' message - I'll try again tmw figure out what this company is.

Who are you making the payment's to ? ( who shows up as having taken the DD payments on your statements ?)

Yes, your cancellation rights start when you receive the executed copy - do you even know who the 'loan' is with though in order to cancel ?

Wow quick reply! It says on my bank statement "MARLBOROUGH INFORM"

No i have no idea whether it is a loan or not, i have no paper work stating anything, just the booklets they gave me, i'm assuming its a loan due to everyone else stating that it is a loan..

Where do i start from now to cancel? I would like to do it all by letter.

Trades Gateway
4 Kinsbourn Court
96-100 Luton Road
Harpenden
Herts
England
AL5 3BL

Would there be any point in sending a letter to this address? Its a PO Box which sounds like bad news

To anybody who is trying to cancel, i will inform this forum when i have done it and how i did it, we have been conned unfortunately and it seems they make it impossible to keep track of what is actually going on judging by what i have read.

To anybody who wishes to start on this course, run.

[Amethyst]

Re: Trades Gateway cancellation Help Please

PayAsyouGo ? that's a new one. 08431782678 goes to a generic 'the payment department is now closed' message - I'll try again tmw figure out what this company is.

Who are you making the payment's to ? ( who shows up as having taken the DD payments on your statements ?)

Yes, your cancellation rights start when you receive the executed copy - do you even know who the 'loan' is with though in order to cancel ?

[Jinxplus]

Re: Trades Gateway cancellation Help Please

hi iv,e been looking at all the comments and just wondering if eney one had manged to cancel it i having same trouble and want to get at of it apparently i can,t i,m going to citizens advice this week but has eney one manged to cancel it eney help would be great thanks

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

[Amethyst]

Re: Trades Gateway cancellation Help Please

Okay good, can you post a copy up please. absent of personal details.

Ref requesting a copy with the CCA letter, If you request a copy of your credit agreement under s.77/78 of the consumer credit act and they fail to provide it, they are unable to enforce the agreement until such time as they do.

[georgefow]

Re: Trades Gateway cancellation Help Please

Have you made a formal compaint to Carnegie, the FCA and the Financial Ombudsman, it isn't over until the fat lady sings.

Send a CCA request to Carnegie for starters.

2: Send A CCA REQUEST to the CLAIMANT ( see here )

What does this do, I already have the credit agreement...

[Kati]

Re: Trades Gateway cancellation Help Please

I checked my credit report on noddle and unfortunately it is there.

have you sent them a cca request (http://www.legalbeagles.info/forums/...y-of-Agreement)?

[georgefow]

Re: Trades Gateway cancellation Help Please

Hi lukeboxa

I know your agreement says you signed for a "loan" but have you checked your credit report to see if it is there? Noddle.co.uk is free to check unlike Experian which is £15-odd a month....

I checked my credit report on noddle and unfortunately it is there.

[Hedgefun]

Re: Trades Gateway cancellation Help Please

I think im buggered because other people have said they have not got anthing to say they are paying a loan but my agreement pretty much states i have signed for a "loan"  want to avoid them cus £160 a month is alot but dont want to amounts a debt that will most likely have to be paid back. Wish i could turn back time lol.

Hi lukeboxa

I know your agreement says you signed for a "loan" but have you checked your credit report to see if it is there? Noddle.co.uk is free to check unlike Experian which is £15-odd a month....

[nattyking]

Re: Trades Gateway cancellation Help Please

hi iv,e been looking at all the comments and just wondering if eney one had manged to cancel it i having same trouble and want to get at of it apparently i can,t i,m going to citizens advice this week but has eney one manged to cancel it eney help would be great thanks

[lukeboxa]

Re: Trades Gateway cancellation Help Please

I think im buggered because other people have said they have not got anthing to say they are paying a loan but my agreement pretty much states i have signed for a "loan" 😠 want to avoid them cus £160 a month is alot but dont want to amounts a debt that will most likely have to be paid back. Wish i could turn back time lol.

[Amethyst]

Re: Trades Gateway cancellation Help Please

Yes, you've done the moaning bit, so it is now formal complaint time and take it through the proper channels

[Amethyst]

Re: Trades Gateway cancellation Help Please

Have you made a formal compaint to Carnegie, the FCA and the Financial Ombudsman, it isn't over until the fat lady sings.

Send a CCA request to Carnegie for starters.

2: Send A CCA REQUEST to the CLAIMANT ( see here )

[georgefow]

Re: Trades Gateway cancellation Help Please

Don't pay a penny. I haven't paid for 9 months now, I get the threatening letters and phonecalls but I just bin them and ignore the calls. They're crooks. This will all come out on Watchdog soon, i'll put money on it.

That's what I was going to do but kept getting the phone calls and eventually a default notice because I hadn't paid for 3 months. Then I checked my credit report and it was on there so I tried to agree a payment of £10 a month to keep them off my back but they said no because my account would be in arrears. They found out I also have a bank loan and said I would have to pay the full amount as I could not pay one credit lender the full amount and not another so i'm going to have to go in to the bank and ask if i can reduce payments over a longer term so I can pay the full 145 to carnegie consumer finance.

All in all im screwed and feel there is nothing i can do...

Wish I hadn't aspired to be a plumber now. Got enough to pay every month.

[Amethyst]

Re: Trades Gateway cancellation Help Please

I'd recommend trying to sort it out with the loan company and the financial ombudsman and make a complaint to the FCA, otherwise the debt will grow and end up in court action ( which of course you could defend - but better to nip it in the bud and avoid years of pointless annoying phone calls)

[lukeboxa]

Re: Trades Gateway cancellation Help Please

I have been following this for months now, obviously im in the same situation as most. I did cancel but after the 14days and was told it was to late but cancelled my payments for 4 months anyway and after loads of harassment from emails,calls and letters i paid a debit payment for one month! We then agreed to resume monthly payments but when i asked them to set it up they said no u have to set up a standing order and your bank should be able to do it! Strange!. I have looked at my agreement that i signed on the second day he visited me and it does actually say its a loan! Although he did not say it was and i have a witness with me to back this, i do feel like im f***d.