Thank you for your warm welcome and hello everybody.

[seriousdolly]

My daughter has been high pressure sold a debtor-creditor-supplier agreement. Unfortunately the salesman didn't bother to discuss her financial situation or ask the Quick Check questions on the Agreement which wanted to know if she was in full time employment or earned over £10,000 pa. He would have discovered that she is a full-time student with a small part time job.

Initially she was invited to at short notice by a friend to a makeover and photoshoot who indicated it was already paid for. At the end of the day they were shown the photos and pressured into paying £900 for a cd of 12 images. I won't mention any names but typing scam photoshoot Great Portland Street on google brings up many examples of my daughters experience.

I have done loads of background checks on the supplier and the creditor, and have told the creditor I am going to have their fitness to trade with a credit license investigated.

The Agreement has a 14 day cooling off period, but then the balance has to be repaid within 30 days. I have written and said I consider the agreement to be nul and void due to the circumstances in which it was sold but this seems to be a catch 22 situation as the debt has been sold on.

I haven't given up, but have to repay £820 on 24 March. Any suggestions very welcome.

[leclerc]

Re: Thank you for your warm welcome and hello everybody.

Did you cancel the agreement within the 14 day period?

Who exactly is asking for the money?

Why does she have to earn over 10k p.a. to get into the agreement?(I'm not aware of any such requirement to do so but please correct me if I'm wrong).

[Amethyst]

Re: Thank you for your warm welcome and hello everybody.

When did this happen ?

Has your Daughter received the photo's paid for ?

[seriousdolly]

Re: Thank you for your warm welcome and hello everybody.

Thank you. Yes, my daughter came away from London with the photos. She only found out the price of the photos about ten minutes at the end of a 7 hour day with the studio. She spent half an hour prior to this selecting photos, still not knowing the price. She was basically chatted up and intimidated into signing the Agreement to buy. She only signed to get away as the salesman was frightening her. We wrote and cancelled the next day. By that time the Agreement had been sold on to a credit management company, and the debt had to be settled within thirty days, as she had the goods. The goods can't be sent back as the company, quite rightly, say the images purchased can be copied. I hope the unfair relationship will help us as she was not asked anything about her financial situation, was subject to the salesman firstly gaining her trust and then abusing it by saying that the agreement could be cancelled within 14 days but not pointing out the 30 day repayment period.

I am disturbed by a number of issues with the companies. One is that my daughter and her friend were on cctv at the registered office when they signed. I discovered that the registration for the cctv had expired, and refused to see the cctv evidence that they had acted properly. However, my daughter and her friend were adamant that they had not been told or point out that they were on audio and visual cctv, and I consider that to give the salesman an unfair advantage as he could obviously play to the camera.

The Agreement was printed by the studio and had a quick check list near the bottom of the page. It wanted to know if you were resident in the UK, have enough income to ensure the payments clear, in full employment, earned over £10,000pa, and the current employment status. None of these questions were put to my daughter, if they had been then she would have answered that she is a full time student working a couple of hours a week. And she wouldn't be in debt now.

Thank you for your interest, its very heartening.