Trades Gateway cancellation Help Please

[greenz82]

Re: Trades Gateway cancellation Help Please

It is like any other loan, unless there have been serious misrepresentations made to you with regards entering into the loan, then you need to repay it, as with any other loan if your financial circumstances change you can negotiate repayments to be more affordable.

Are you still studying the course? Have you got to any of the practical elements yet ?

Amethyst, you are correct, however, to protect the consumer who enters into regulated loans in their own home, the government has legislation, and policing bodies, such as the FCA to ensure full compliance.

In the past it was to easy for so called "loans sharks" to pray on the vulnerable, elderly etc, by arriving at their homes to offer finance on items like, double glazing, loft conversions, new conservatories etc, they all were convincing silver tongued salesmen, who after protracted emotional pitches persuaded the home owner to sign a loan document, which many never read correctly or failed to understand the implications of their signature on that document, which was cleverly crafted to protect the salesman.

The government realised this was the case, so the emphasis of legally signing a regulated loan away from business premises in your home was then placed on the provider....not the signer. i.e the sales person providing the loan had to be correctly licensed to do, which is policed by the FCA, and can be checked via their web site...

So in a nut shell, forget about checking through the small print on loan documents, the first legal check must be with the salesman, a person having concerns about any loans provided in your home for home improvements etc, must first ask the salesman for full identification, and to provide you with details that he holds a valid licence to arrange regulated loans away from business premises, if the salesman works for or represents a company, the company must also provide current valid licensing details for that sales person.

If that licence is found to be invalid or out of date on inspection, then any regulated loan set up by that sales person will not be enforceable, and the consumer I presume will be entitled to be made whole, i.e full rescindment of that loan.

And as you say if everything is in order, then all loans take out 'MUST' be repaid as contractually agreed by the signed document..

[Amethyst]

Re: Trades Gateway cancellation Help Please

It is like any other loan, unless there have been serious misrepresentations made to you with regards entering into the loan, then you need to repay it, as with any other loan if your financial circumstances change you can negotiate repayments to be more affordable.

Are you still studying the course? Have you got to any of the practical elements yet ?

[Handf]

Re: Trades Gateway cancellation Help Please

help needed signed upto trades gateway on an electrician course last august payed the monthly payments up till last month when circumstances changed rang trades gateway to cancel course where i got a very rude operator with a very bad atitude who said i was past the cancelation point and couldn't cancel. I rang Caledonian Consumer Fiance who just said i need to pay the loan back and sent me a income and expenditure form out to fill in and send back

[Amethyst]

Re: Trades Gateway cancellation Help Please

It depends if it is directly relevant to your case - ie when you first contacted the company did you do it through one of their websites?

If you want to post up a draft before you send we can give it a once over xxx

Carnegie Consumer Finance would be liable under section 75 - you've already complained to TG haven't you and got nowhere?

Apologies I forget (there's so many cases) did you ever receive a copy of the credit agreement with Carnegie?

[MrMuckells]

Re: Trades Gateway cancellation Help Please

I'm about to send a cancellation request to Carnigie Consumers Finance and highlight the points of the course that are very Mis leading how it's desribed on the home visits do you think I should add in some of the above information

[Amethyst]

Re: Trades Gateway cancellation Help Please

I don't think so, however it does show how much marketing goes on to get people into these courses and not all of it is entirely transparent as to who you are actually dealing with.

[MrMuckells]

Re: Trades Gateway cancellation Help Please

Could we use this as ammunition against BrightSpark?

[EXC]

Re: Trades Gateway cancellation Help Please

That's verging on the dark side of CMC type lead generation territory isn't it? The sites not being upfront about who they are or who provides the courses.

[Amethyst]

Re: Trades Gateway cancellation Help Please

Just for info:

Number of marketing / lead gen websites exist for Trades Gateway / Bright Sparks / Train2Game - and possibly others.

Skillsbug.com & .co.uk
accesstotradecareers.co.uk
tradescourses.co.uk
trade-jobs.info
coursehut.com
careerintrade.co.uk
expriencedtradecourses.co.uk
videogamescourses.co.uk
advanced-apprenticeships.co.uk

Sites run by:
Search Response Agency Ltd
London
LND
W5 2JD

+44 (0)208 810 5889

SRA specialises in end-to-end lead generation in a variety of different industries and sectors. Utilising our experience in online performance marketing and our passion for the highest quality technology we are able to generate leads for any business.

We work on to a pay per lead model - this enables us to quickly and efficiently scale our online campaigns in order to supply high quality and quantities of new business leads.

Our leads are delivered in real time, but only after going through our lead cleansing system to ensure time wasters and low quality leads are eliminated.
Delivery of the leads is entirely up to how the client wishes to work with us. Via instant or daily email, online web portal management system or by direct post to the client’s CRM solution.

Oddly all those sites state

Please give your details and one of our national advisors will call you to discuss.

Please Note; we do not share your contact details with any other organisation

and

Why do we ask for your contact information?
The contact information you have provided is solely used to assist us in providing you with more information about the training courses you have selected – WE DO NOT SHARE THIS INFORMATION WITH ANY OTHER PARTY.

which is odd for a lead gen company. The sites give no details of the name of their company, or co house details or anything really to tell you who you are giving your data to.

they do state

We are a company that specialises in putting potential students in touch with training providers. We do not run any courses ourselves and therefore will never request any money from you at any time, although a training provider may charge fees when you book a course.

They also share testimonials.

See http://legalbeagles.info/forums/show...335#post580335 ( consumer contacted tradescourses.co.uk and the salesrep and agreement were from BrightSparks )

[bornjoyful]

Re: Trades Gateway cancellation Help Please

Amethyst, did you find out anything more about s48/49 and the second visit?
I am trying to help someone who had a phone conversation then one visit only where he signed and was hoping his one visit would qualify him for a 'miss-selling' get out!
thanks


<<Indeed, the first visit is arranged by telephone. That visit usually does the marketing of the course, and there's usually a second meeting for the loan sign up. I believe that is to get around the not canvassing off trade premises part however they don't appear to get a signed request for the second meeting.

If you are au fait with s.48/49 - it applies to debtor - creditor - does that also apply to debtor-creditor-supplier agreements? - I keep coming back to the example of Double Glazing home visits and sales of finance - so if you have a bit more insight it would be gratefully received.

And no, the loan/finance details are not clear in advertising - neither is the overall price tbh, so no way of knowing until the sales guy is in your front room.

Also they seem to deny the amount they charge publicly - despite us having seen many agreements for between £5k and £8k.[/QUOTE]

[Amethyst]

Re: Trades Gateway cancellation Help Please

One of the Directors of Carnegie is also Director of Train2Game, Train 4 Trade Skills etc so all part of the same group as BrightSparks & Marlborough. Just for info for [MENTION=85906]MrMuckells[/MENTION].

[Amethyst]

Re: Trades Gateway cancellation Help Please

Amethyst, I have read, the attached threads with some concern, these loan agreements can be checked for validity against the consumer Credit act 1974 section 48 and 49 (a), also the FCA register on permissions for the loan company.
I assume each student made a request in writing for the loan company to attend their home, and more importantly clear information of such loan was provided on all the companies advertising material.

I would believe that any such regulated loans not complying with the above legislation are none enforceable, with students entitled to be recsinded of all monies paid.... maybe worth checking.

[MENTION=79668]greenz82[/MENTION]


Indeed, the first visit is arranged by telephone. That visit usually does the marketing of the course, and there's usually a second meeting for the loan sign up. I believe that is to get around the not canvassing off trade premises part however they don't appear to get a signed request for the second meeting.

If you are au fait with s.48/49 - it applies to debtor - creditor - does that also apply to debtor-creditor-supplier agreements? - I keep coming back to the example of Double Glazing home visits and sales of finance - so if you have a bit more insight it would be gratefully received.

And no, the loan/finance details are not clear in advertising - neither is the overall price tbh, so no way of knowing until the sales guy is in your front room.

Also they seem to deny the amount they charge publicly - despite us having seen many agreements for between £5k and £8k.

[MrMuckells]

Re: Trades Gateway cancellation Help Please

Ive just had a reply from BrightSpark saying basically Ive signed up for a loan with Carnegie Consumer Finance Limited and its up to them to cancel the loan its nothing to do with BrightSpark, Im going to contact CCF and explain how BrightSpark sell the course to students is now how they actually run the distance learning part, and BrightSpark have confirmed that their representatives that come out to the home visits receive a commission on students who pass the course which is why I'm beginning to think they bend the truth a lot to suit the student to what they want to here. Surely if its CCF that give the loan outthink you should have a visit from them before the loan is given out? but the financial aspect is secondary to why i want to cancel the level of support and guidance you get from BrightSpark on the distance learning is terrible compared to how it was described on the home visit, Ive done my from 12 distance learning TMA's and not once been contacted with any guidance etc after been told the tutors stay in regular contact, Im pretty self motivated but what are they charging me the £6600 for?

[greenz82]

Re: Trades Gateway cancellation Help Please

Amethyst, I have read, the attached threads with some concern, these loan agreements can be checked for validity against the consumer Credit act 1974 section 48 and 49 (a), also the FCA register on permissions for the loan company.
I assume each student made a request in writing for the loan company to attend their home, and more importantly clear information of such loan was provided on all the companies advertising material.

I would believe that any such regulated loans not complying with the above legislation are none enforceable, with students entitled to be recsinded of all monies paid.... maybe worth checking.

[Amethyst]

Re: Trades Gateway cancellation Help Please

If that is the only document you were given when you signed up then you may be able to cancel. the cancellation period for consumer credit agreements doesn't begin until you receive your copy of the credit agreement.

Possibly ring CF4TS and ask if you have a loan with them?


This is just a letter used for someone else in a similar position, so it may not fit your circumstances and of course you should adapt it to suit your position. You would need to send a letter to both Marlborough ( to cease the course) and to CF4TS ( for the credit agreement).

Dear Sir/ Madam

[Reference: contract number if there is one or you name and address/student number?]

In July 2015 one of your salespeople came to my house and during the visit it appears I signed a regulated consumer credit agreement without anything being explained about the potential consequences of this. I have studied and passed 8 modules and am very disappointed with the service I have received from Trades Gateway (Marlborough Information Services). I signed up to the course because I was told I could study at home and through practical learning and I would be a qualified electrician within 12 months. This clearly was not true. Therefore I would like to withdraw from the course with immediate affect.

In addition the only document regarding financing of the course I was given was a copy of a "Open Learning Courses Bankers Order" . I was satisfied with this at the time as I believed I was simply signing up to a 'pay-as-you-study' agreement, where I paid £125 each month I study and if my circumstances changed I could withdraw from the course and would owe nothing. I am now concerned that I may actually have been signed up to a 3 year loan of £4375 - which was not explained to me and which I did not intend to enter in to. I understand that the Consumer Credit Act 1974 s.61a or s.63 provide that a copy of the executed agreement, and any document referred to it in, must be given to me. I was not given a copy of the agreement, executed or unexecuted, or any terms relating to the finance. I am hereby giving notice that I am exercising my right under the Regulations to cancel my contract with you.

Please confirm cancellation within the next 7 days and confirm that there is no liability from myself to either Marlborough Information Services or Career Finance 4 Trade Skills.

Yours faithfully,