Cancelling fixed term loan agreement

[shanefoster94]

Re: Cancelling fixed term loan agreement

That is great information, thank you.
I obviously did want the plumbing course but only signed up to it as I was lead to believe I would be made a gas safe engineer also. Would this be enough to argue my case for a withdrawal from the course and from the credit agreement do you think?

[wales01man]

Re: Cancelling fixed term loan agreement

To enable others on here to offer more help can you up load any paperwork you have

[shanefoster94]

Re: Cancelling fixed term loan agreement

To enable others on here to offer more help can you up load any paperwork you have

I am currently at work and all paperwork is at home, I can always try and upload it at a later date to help others out

[Amethyst]

Re: Cancelling fixed term loan agreement

Would this be the course? http://www.cityandguilds.com/qualifi...ab=information

These qualifications cover all the essential knowledge and skills needed for a successful career in domestic plumbing and heating. Those choosing gas-related units at Level 3 will achieve the Gas Safe licence to practise on successful completion of the qualification.
The Level 2 qualification is designed especially for new entrants to the industry, providing them with the basic skills and experience they need. The Level 3 qualification is aimed at those who have already completed the Level 2 qualification or with some relevant experience and knowledge of the industry.

[shanefoster94]

Re: Cancelling fixed term loan agreement

Would this be the course? http://www.cityandguilds.com/qualifi...ab=information

This looks very similar to the course I have been sold, if I remember rightly the course was sold to me via train4jobs. I read loads of bad things about companies like this on other forums, which has made me sceptical of them.

The books I have been given though do not mention anything about gas fired appliances or anything. It all looks like level 2 and 3 domestic plumbing information.

The course has modules and assignments that I have to submit online and then an assessor marks them. This is another thing about it that makes me slightly worried. I eventually have to attend their facilities for practical training but am just not quite sure that this is all relevant to the gas safe engineer qualification I wanted or if I will even get it at all.

City and guilds qualifications were mentioned when the "college advisor" came to my house

[charitynjw]

Re: Cancelling fixed term loan agreement

Would this be the course? http://www.cityandguilds.com/qualifi...ab=information

Level 3 is ideal if you are working within the plumbing and heating trade and have a great deal of technical skills and knowledge. You work with minimum supervision and have a good record of safety, fault correction and ensuring that work meets the required standard.
http://www.cityandguilds.com/qualifi...ion&acc=level3

[Amethyst]

Re: Cancelling fixed term loan agreement

Okay - give T4J a call and ask them about the actual qualification your will be working towards - if it is the City & Guilds ask them for the course code and their centre number. Do you know what the name of the company actually providing the course is ? And also do you know where the practical training will take place ?

Express your concerns about the books you have been provided with not being anything to do with Gas Safe and that was the main reason you signed up.

How have you organised to pay for the course? Is that with a loan ? Who through? & approx how much is it?
When did you sign up ?

Basically find out all the info so you know exactly what you are studying towards - then decide whether that is what was sold to you - then your complaint will have more weight. If they are genuine they should have no problem giving you the information.

[shanefoster94]

Re: Cancelling fixed term loan agreement

I shall try and get that information from them. I do not actually have a name of a company actually providing the training, it isn't on any of the paperwork that I have been given or any of the books I have. Train4jobs is all that I have so far. The training is very near to my house in West London I have been told.

Thanks for the advice, I'll see what they say to that.

I have organised to pay for the course with a loan. It is 43 instalments of £165 with 0% interest. I paid a £50 deposit on the day of signing up which was roughly the 26th August

[Amethyst]

Re: Cancelling fixed term loan agreement

Just for ref T4J are regulated by the FCA under Metropolitan International Schools Ltd - currently Interim Regulation.

Firm name: Metropolitan International Schools Limited
Interim Permissions reference number: 341485

Names
Registered Name Metropolitan International Schools Limited
Previous Registered Names
Trading Names
Train 4 Skills, Train 4 Jobs, Atl Practical Training, Home Learning, Train 2 Game, M.I.S, Scheidegger, Train 4 Trade Skills, Skillstrain, Scheidegger/Mis

[Amethyst]

Re: Cancelling fixed term loan agreement

Training Centres are in Southampton Wolves Featherstone Watford Basildon

Gas - ACS is only in Featherstone ( near Wakefield, Yorkshire)
Dunno which the plumbing practicals are but you can have a look here - > http://train4jobs.co.uk/the-centres

I have organised to pay for the course with a loan. It is 43 instalments of £165 with 0% interest. I paid a £50 deposit on the day of signing up which was roughly the 26th August

Do you have the loan agreement? Whats the name of the finance company ?


Possibly a ERR ltd centre ( engineering real results ) list of centres here -> http://www.errltd.co.uk/courses.php

[Amethyst]

Re: Cancelling fixed term loan agreement

This also may be of help - C&G info on courses that lead to ACS Gas Safe - http://cdn.cityandguilds.com/Product..._FAQs%20V1.pdf

What qualifications are currently ACS (Accredited Certification Scheme) aligned to allow a candidate to be eligible for a Gas Safe Register card?

I do not actually have a name of a company actually providing the training, it isn't on any of the paperwork that I have been given or any of the books I have

I'd find that extremely worrying myself.

[shanefoster94]

Re: Cancelling fixed term loan agreement

I was told that I may have to travel for training but only for 1 or 2 modules. This looks like I will have to travel for the whole course practically.

My loan agreement is with a company called caledonian consumer finance.

It is looking more and more like I will not get the end result that I signed on for out of T4J.

Pardon me for sounding clueless, but T4J being regulated by the FCA under Metropolitan International Schools Ltd what does this mean?

[Amethyst]

Re: Cancelling fixed term loan agreement

It basically means the company that sold you the loan were Metropolitan International Schools Ltd (MIS) trading as Train4Jobs and they acted as intermediaries for Caledonian Consumer Finance.

MIS credit licence has ''No right to canvass off trade premises'' which means they can only sell loans if you visit them or give them written permission to come to your home ( although there are some arguments what 'off trade premises actually means when acting as brokers )

However Caledonian also have a credit licence with ''Not permitted to canvass off trade premises
The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises ''

So it might be worth asking the FCA about that considering you were sold the loan at home.

canvassing off trade premises

(a) an activity by an individual ("the canvasser") of soliciting the entry of another individual ("B") into an agreement by making oral representations to B during a visit by the canvasser to any place (other than a place in (b)) where B is, being a visit made by the canvasser for the purpose of making such oral representations.
(b) a place where a business is carried on (whether on a permanent or temporary basis) by:
(i) the lender or owner ; or
(ii) a supplier ; or
(iii) the canvasser ; or
(iv) a person who employs the canvasser or has appointed the canvasser as an agent ; or
(v) B;
is excluded from (a).