Cancelling fixed term loan agreement

[shanefoster94]

I have recently been sold a Level 2 & 3 Gas Safe plumbing and heating course in which I am able to complete in my leisure as I am working full time. After being very naive and signing on to this course and signing this fixed term credit agreement, I have now looked in to this more on other forums and realised this course is not going to be beneficial for me and was all really just a good sales pitch rather than for my learning benefit.

Many others have stated that these courses are 'useless' and to go to a local college and study there.

Unfortunately for me I have signed the credit agreement and my 14 day cooling off period is up. The first direct debit payment has not yet been taken from my account and I was wondering is there any way I can cancel this agreement still without the credit loan company wanting the full or even half the amount of the loaned amount back?

I understand that my cooling off period is up, but would it still be of any help to write to them and see what they say?

Any help anyone can give me is much appreciated. Thank you

[charitynjw]

Re: Cancelling fixed term loan agreement

Hi shanefoster94 & welcome to LB.

I note that you are working full-time.
As far as I'm aware, although a 'theory based' qualification is admirable, it is not acceptable as a 'stand alone' for GasSafe registration.
You usually need to demonstrate hands-on experience as well.

[shanefoster94]

Re: Cancelling fixed term loan agreement

I was sold this qualification based on the fact they can offer me theory based and hands on experience at their own training centres.

This is not the part I am worried about any more though, I would just like to know if there is any chance I can cancel the agreement as I do not want to do the course.

[wales01man]

Re: Cancelling fixed term loan agreement

Contact the finance company if they will not accept cancellation most likely you will need to look at legal remedy not east I suspect others on here will advise

[charitynjw]

Re: Cancelling fixed term loan agreement

This is not the part I am worried about any more though, I would just like to know if there is any chance I can cancel the agreement as I do not want to do the course.

You intimated on your first post that the course was missold.
Were there any misrepresentations by the salesperson, or have you simply changed your mind about working in the gas industry?

[shanefoster94]

Re: Cancelling fixed term loan agreement

I was sold the course on the basis that I would be qualified level 2 & 3 NVQ and to be a gas safe registered plumber, I have not changed my mind about working in this field at all but after doing some research on the internet about this company and others that are similar, I have the impression that some of the promised qualification is not the recognisable industry standard (this is through reading other forums and similar cases like mine).

I am just worried that I will pay all this money and do all this work to then realise it will not get me my desired job at the completion of the course.

[wales01man]

Re: Cancelling fixed term loan agreement

I have a family member who is manager of a heating company they would not give you a job with this qualification most others wont either

[charitynjw]

Re: Cancelling fixed term loan agreement

after doing some research on the internet about this company and others that are similar, I have the impression that some of the promised qualification is not the recognisable industry standard (this is through reading other forums and similar cases like mine).

Both NVQ (or the Scottish equivalent) & ACS are recognised qualifications for the gas industry & GasSafe registration.
https://www.gassaferegister.co.uk/he...-registration/

[shanefoster94]

Re: Cancelling fixed term loan agreement

Could I possibly use this as an argument against the training company and finance company and tell them I was sold the course based on the fact I would be qualified to those standards when in fact companies will not recognise these as industry standard and will not employ me with these qualifications?

[wales01man]

Re: Cancelling fixed term loan agreement

Expect them to find a company that will accept the qualifications probably one out there

[charitynjw]

Re: Cancelling fixed term loan agreement

Could I possibly use this as an argument against the training company and finance company and tell them I was sold the course based on the fact I would be qualified to those standards when in fact companies will not recognise these as industry standard and will not employ me with these qualifications?

I suspect you would need to show much better evidence than 'he said, she said' from internet fora.

[shanefoster94]

Re: Cancelling fixed term loan agreement

I think maybe my best bet is to take all of my learning aid I have been provided to someone fully qualified and see what they make of it? Then I can tell whether or not doing the course is going to get me the desired qualification and job

[charitynjw]

Re: Cancelling fixed term loan agreement

Are you reticent due to the fact that the course is NVQ as opposed to ACS?
(I'm just being nosey)

[shanefoster94]

Re: Cancelling fixed term loan agreement

Both NVQ and ACS were both mentioned to me when the course was sold to me, I am now thinking that maybe this course is just domestic plumbing and the promised gas safe qualification may not be a part of it

[charitynjw]

Re: Cancelling fixed term loan agreement

I have recently been sold a Level 2 & 3 Gas Safe plumbing and heating course

As far as I'm aware, GasSafe (the registration body) do not offer courses.
As you obviously wanted a gas qualification, a plumbing one would not be that which you required & so you could claim misselling/misrepresentation.
Alternatively you could claim that there wasn't 'consensus ad idem'.......meeting of minds. (You thought it was a gas qualification, the salesperson thought you wanted a plumbing one)