Trades Gateway cancellation Help Please

[TJSykes]

hi,
my brother had contact with this company Trades Gateway they had arranged to meet at my house as he knew i would like to get some qualifications.

they guy came basically said our Country needs more welders 32,000
show a DVD with some guy tommy something well known d.i.y tv guy
ask us very simple question ask us to fill out a form saying we would pay 43 payments of £135
and a upfront cost of £60 pound
gave us both course materials and left

i written in the course matteriels

on the 20th June 2014 my mother passed away leaving me with house and about 4k bills
01th July 2014 i got a bill from carer finance 4 trade (not trades) skills ltd.
i rang them immediately and try ed to cancel she claimed it thay had given trades skills a 4k loan in my name and i would have to contact them as id passed the cancellation deadline on 21 july
so i did they said it had to be in writing an e-mail.
so i e-mail them came back as undeliverable.
all that i can think of is to send a cancellation letter by registered mail to a po box by the way

[pantick]

Re: Trades Gateway cancellation Help Please

hello. i have the same problem.. you find a way to get your money back?

[pantick]

Re: Trades Gateway cancellation Help Please

hello. 10 months ago, I signed up for a course called TRAIN 4 JOBS, who signed a loan agreement with CARNEGIE CONSUMER FINANCE. The seller of course offered me false information about this course saying that the contract is with the school TRAIN 4 JOBS , but in reality he made me a loan lender. we reached the health and safety online test. I did it four times and of course I did not. and they sent me a test on the paper. and when I asked for details about the test. they did not explain anything to me, just read some books, and you will manage to solve it. of course I did not succeed.
how could I get rid of that contract and recover my money that I have paid so far for nothing. thank you in advance

- - - Updated - - -

hello. 10 months ago, I signed up for a course called TRAIN 4 JOBS, who signed a loan agreement with CARNEGIE CONSUMER FINANCE. The seller of course offered me false information about this course saying that the contract is with the school TRAIN 4 JOBS , but in reality he made me a loan lender. we reached the health and safety online test. I did it four times and of course I did not. and they sent me a test on the paper. and when I asked for details about the test. they did not explain anything to me, just read some books, and you will manage to solve it. of course I did not succeed.
how could I get rid of that contract and recover my money that I have paid so far for nothing. thank you in advance

[girlie]

Re: Trades Gateway cancellation Help Please

Hi,

I am having similar issues to the people on here, I signed up with Train4jobs, which is a trading name for Metropolitan International school ltd, which are all variations on trades gateway, train 4 trade etc. The loan company they broker for is Carnegie Consumer Finance. The director for T4J and the director for Carnegie both used to own a company together, which is now dissolved. When you contact one company they refer you to the other etc. I was wondering if this is all legal and above board?

[MRSTEMP]

Re: Trades Gateway cancellation Help Please

Hello, My husband mistakenly took out an agreement with Trades Gateway in September 2015. Reading above we have had a similar experience to most they came to our house played DVD and got hubby to sign. They then called through to get the course fee set up aka £7000 loan!!!! we have now been trying to negotiate with Trade Gateway for 2 years to cancel this we have written to them and have gad a reply say basically its all hubbys fault as he should have cancelled within 14 days! can anyone help us? We are nearly £4000 into this now and we cannot believe they came to our house while I was on maternity leave and 'Sam' the sales advisor had the cheek to ask my hubby if he would be willing to work 6 days a week to pay for the course! We just want our money back and to be rid of this nightmare!

[Amethyst]

Re: Trades Gateway cancellation Help Please

Could you do a CCA request to CF4TS please ( CCA Request Letter | ) It will come in useful later.

Anything at all showing on your credit file for it?

Do you still have any communication with your ex partner?

How much approx is the loan for ? have you kept up with the payments to date? ( how much have you paid etc)

[N87]

Re: Trades Gateway cancellation Help Please

Was it just your ex-partner doing the course ? Any reason your name was on the credit agreement ? ( do you have a copy ? )
Is your ex-partner still doing the course ?
When did you sign up?

Yes just him
It was in my name because he wasn't working at the time so the bloke said it could go in my name but the course would be in his ...i don't know how I got it because I'm self employed and don't earn a lot
I do have a copy somewhere

I don't think he is
He didn't get much of it done anyway as he found a job and just couldn't find the spare time but was told he could do it at his own pace there was no rush
But now I'm finding out there is a time limit of 3 years

We signed up July 2015

[Amethyst]

Re: Trades Gateway cancellation Help Please

Was it just your ex-partner doing the course ? Any reason your name was on the credit agreement ? ( do you have a copy ? )
Is your ex-partner still doing the course ?
When did you sign up?

1. With effect from 8th August 2016, CF4TS shall not carry on any regulated activities, save that CF4TS has Part 4A permission for exercising/having the right to exercise the lender's rights and duties under a regulated credit agreement limited to where the agreement was entered into by the firm on or before 15 July 2016.

[N87]

Re: Trades Gateway cancellation Help Please

I am in a similar situation with trades gateway and cf4ts
Sold me and my partner loads of crap and now can't get out
I phoned them and told them we have split up....my name is on the finance but his names on the course and neither company will help.
They keep passing me back and fourth to each other.
They say I've got no legal right to talk about the actual course but yet I'm liable for the money.
My account number and the course number doesn't match
I would really appreciate some help because it's stressing me out.

[qwerty1987]

Re: Trades Gateway cancellation Help Please

I would just like to share a success story.... someone I know paid £110 to complete a claim online through https://www.gov.uk/make-money-claim-online
to take Marlborough Information Services to court. A week before the court date Marlborough offered him all the money back that he had paid to them over a period of 12 months and sent him a cheque in the post for the full amount therefore he never actually ended up going to court

[Amethyst]

Re: Trades Gateway cancellation Help Please

When in 2015 did you enter into the agreement?
Who is the finance company ? ( do you have a copy of the agreement ?)

[Duro2018]

Re: Trades Gateway cancellation Help Please

I took a chance s believing this will be change my family life’s, unfortunately life is hard and one thing lead to another my partner and father had an operation two years ago after a while my partner got pregnant, then we had the baby and been on maternity leave money and my salary was not great but we survive. I did mention this to them and they could not care less saying I missed my 14^th days cancellation, after a phone conversation TRADES GATEWAY settle for a reduction on payments which was not great making payments longer at the end.
I was trying to do what was best for my career path but it was not great and they have passed it to a debt recovery company as I could not meet the payments.
my big question here is on way out of this after two years +?

thanks for your help.

[Mantas]

Re: Trades Gateway cancellation Help Please

Hi everyone I've got same problem , when I sign the courses in 2014 the guy come in my house I think he was spanish guy he was super nice to us once we sign like a agreement he become not helpful soo that's the first thing we noticed after poor studying quality and then when I diceded to change my occupation they saying i have to pay the rest of the loan but on interview never mentioned about loans or something as you see my English ain't good enough and I can't even understand half of the things in the book plus they never done any credit check becouse I didint have a good credit rate on that time . If any one get away of it ? I feel like I'm locket with the loan witch I can't cancel and I'm not asking for refund , becouse when I done little bit of theory I was paying 2 years every month £150 and now I paid more then half price and decided that's not for me and I can't cancel it .. any one can help please ? If the government giving this kind of company's power against a simple human ?
I had similar problem that was with parking ticket with private company calls p4parking and I parked my car in the side road with out any parking restrictions and the enforcement person give me a ticket and he walks to other road got the picture with the sign parking restrictions. when i appeal it they said no and I made complaint and they said no . But I find a company which one is in charge with parking and I appeal agains that p4parking and i won .
sorry for my English
thanks

[swright150783]

Re: Trades Gateway cancellation Help Please

Hi everybody, please check that the credit/loan agreement number matches the course agreement number these should be the same as far as my agreement is concerned, contacted cf4ts today quoting reference on agreement and they have no record of it only the course agreement number this makes my agreement financially unenforceable as far as the credit act 1974 is concerned, I hope this helps some of you in will be getting a full refund before I give up on this even if I have to get the fca or financial ombudsman involved

[Bec]

Re: Trades Gateway cancellation Help Please

Thanks Amythyst

A Trades Gateway rep came to our home in June 2016 and sold the dream of being an Electrician to my husband. We were given all the patter and clearly several times that my husband could back out of the course and stop paying by writing to them at any point. I questioned this and was told that he would not be refunded the appropriate portion of fees paid (depending on how many modules in he was) but could stop making further payments. The rep came back a few days later and My husband signed a document headed 'Fixed Sum Loan Agreement regulated by the Consumer Credit Act 1974 (as amended) of which I have a green and a pink copy
Clearly it was all lies as I called them up today and requested a copy of their cancellations policy. I was told there isn't one. Only the 24 day (lord knows where this figure came from) cooling off period. The lady I spoke to said that the only way out is in extreme circumstances. I asked for an example and she said if he had a critical illness or was moving to another country. Then she mumbled a lot and sounded like she wished she hadn't said it.

We are really struggling to make the £125 per month payments and the course is not as we were told (no support and it seems the qualifications don't fulfil employers requirements anyway).

So, to cut a long story short we want out! I realise we aren't likely to be refunded anything but what would be our best way forward? Is playing nicely a waste of time? Do are threats of ombudsmen really going to shake these guys? They seem to be incredibly good at this scam.

Would be grateful for any help you could offer