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    Default How do I get out of a loan agreement with train4jobs?

    How do I get out of a loan agreement with train4jobs? I have been completely had through this company, my fault for falling for it but i really need help! Many Thanks

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    Default Re: How do I get out of a loan agreement with train4jobs?

    When did you sign up with the company ?
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

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    Default Re: How do I get out of a loan agreement with train4jobs?

    Quote Originally Posted by Amethyst View Post
    When did you sign up with the company ?

    On the 9/10/17.

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    Default Re: How do I get out of a loan agreement with train4jobs?

    Ahh so outside of the timescales for standard cancellation via the form.

    Have you started the course ?

    Which company is the finance agreement with ?
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

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    Default Re: How do I get out of a loan agreement with train4jobs?

    Quote Originally Posted by Amethyst View Post
    Ahh so outside of the timescales for standard cancellation via the form.

    Have you started the course ?

    Which company is the finance agreement with ?
    I have done the first two 'Tutor Marked Assignments'. The finance agreement is with TradeTech Ltd. I have made one payment of £160

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    Default Re: How do I get out of a loan agreement with train4jobs?

    That's a company I haven't heard of before - can't find them on the FCA register ( consumer finance firms need to be authorised by the FCA ) - is it this company ? https://beta.companieshouse.gov.uk/company/05645744

    Any chance of a scan or photo of the agreements you have ? ( email [email protected] if it's easier than uploading them )
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

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    Default Re: How do I get out of a loan agreement with train4jobs?

    Ahh or maybe it's this one - https://beta.companieshouse.gov.uk/company/09594507 ( Tradestech Ltd - also not FCA authorised as far as I can see ) http://www.tradestech.co.uk/
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

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    Default Re: How do I get out of a loan agreement with train4jobs?

    Quote Originally Posted by Amethyst View Post
    That's a company I haven't heard of before - can't find them on the FCA register ( consumer finance firms need to be authorised by the FCA ) - is it this company ? https://beta.companieshouse.gov.uk/company/05645744

    Any chance of a scan or photo of the agreements you have ? ( email [email protected] if it's easier than uploading them )


    Ill email you shortly! Tradestech Ltd. no. 09594507

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    Default Re: How do I get out of a loan agreement with train4jobs?

    Thank you for those. Having a read through now .

    Is the overall cost of the course the £1920 ? ( for the whole course )
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

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    Default Re: How do I get out of a loan agreement with train4jobs?

    Quote Originally Posted by Amethyst View Post
    Thank you for those. Having a read through now .

    Is the overall cost of the course the £1920 ? ( for the whole course )

    Yes that's correct

    - - - Updated - - -

    Thank you!

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    Default Re: How do I get out of a loan agreement with train4jobs?

    Okay.

    It seems they have changed how they do things to only offer a 12 month loan without interest/fees which means they don't need FCA Authorisation, so not a lot to do on that angle I'm afraid. Interesting that they have done that, but it being interesting doesn't help you.

    So, did you sign up for the course in your home?

    Did a rep from MIS ( Metropolitan International Schools t/as Train4jobs ) visit you following your making an appointment ?

    What concerns / complaints do you have about the course which has made you not wish to proceed with the full year ?


    Quote Originally Posted by FCA stuff for information

    Consumer credit firms offering only instalment credit agreements may be exempt from our authorisation. Find out the details here.

    Your instalment credit agreement is exempt from our authorisation if it meets all of the following criteria.

    Must
    be repayable by no more than 12 instalments within no more than 12 months
    be a borrower-lender-supplier agreement (that’s to say, it must finance the acquisition of specific goods or services)
    be for a fixed amount


    Must not
    be an agreement financing the buying of land
    be a conditional sale or HP agreement
    be a pawn agreement
    contain charges or interest (for example, there can’t be an admin fee)
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    Find Solicitors offering fixed fees on our sister site - JustBeagle.com

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    Default Re: How do I get out of a loan agreement with train4jobs?

    Quote Originally Posted by Amethyst View Post
    Okay.

    It seems they have changed how they do things to only offer a 12 month loan without interest/fees which means they don't need FCA Authorisation, so not a lot to do on that angle I'm afraid. Interesting that they have done that, but it being interesting doesn't help you.

    So, did you sign up for the course in your home?

    Did a rep from MIS ( Metropolitan International Schools t/as Train4jobs ) visit you following your making an appointment ?

    What concerns / complaints do you have about the course which has made you not wish to proceed with the full year ?


    I am unsure to whether or not i will receive the qualification specified.

    - - - Updated - - -

    A rep came to my home and signed me up in my home, i didn't have time to read terms and conditions and stupidly didn't think until yesterday!

    - - - Updated - - -

    I have contacted City and Guilds to see whether they're the awarding body and the same to BPEC.

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    Default Re: How do I get out of a loan agreement with train4jobs?

    Which qualification are you expecting to acheive with the course ?

    On the agreement they call it 'Domestic Plumbing and Heating Foundation' which seems to be a basic starter course - did they say it led to a City & Guilds Qualification or NVQ etc ?
    For info https://www.cityandguilds.com/qualif...mestic-heating
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    Find Solicitors offering fixed fees on our sister site - JustBeagle.com

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    Default Re: How do I get out of a loan agreement with train4jobs?

    At the End of 12 months I should receive
    • City & Guilds Level 2 Diploma (6035) in Plumbing Studies
    • BPEC 1999 Water Regulations
    • BPEC NVQ Level 2

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    Default Re: How do I get out of a loan agreement with train4jobs?

    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    Find Solicitors offering fixed fees on our sister site - JustBeagle.com

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    Default Re: How do I get out of a loan agreement with train4jobs?

    It says that is level 3

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    Default Re: How do I get out of a loan agreement with train4jobs?

    Quote Originally Posted by Amethyst View Post
    Yep I was only going by the title on the sign up form, the plumbing craft is this one ( have to scroll down a bit to see the open tab for level 2 )

    Do you have any practical workshops to attend during the course ? or are you working in the industry already ?
    Candidates will be assessed by on-demand multiple choice tests (available through the City & Guilds assessment platform e-volve) and practical assignments.
    C&G recognised provider linked with MIS are
    ERR LTD
    96-100 Luton Road
    1 Kinsbourne Court
    Harpenden
    AL5 3BL
    GB
    Web: www.errltd.co.uk

    BPEC wise it'd be
    Bright Futures Construction Ltd 56 Collingdon Street Luton
    LU1 1RX
    but MIS aren't recognised themselves, so see what C&G and BPEC come back with off of your enquiry - if they say the qualifications cannot be awarded by MIS you have a good reason for cancellation. The difficult point is the sign up form doesn't state the specific qualifications you have signed up for - only 'Domestic Plumbing & Heating Foundation' - so do you have anything else in the documents that says what the qualification is you are working on ?


    http://bpec.org.uk/qualification/dip-plumb-heat-2/ for the BPEC Level 2
    The L2 NVQ Plumbing and Heating qualification requires the completion of centre based knowledge and practical assessments and workplace-based performance assessments and is designed for individuals carrying out the installation, commissioning, de-commissioning, servicing and maintenance of domestic plumbing and heating systems.
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    Find Solicitors offering fixed fees on our sister site - JustBeagle.com

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    Default Re: How do I get out of a loan agreement with train4jobs?

    The rep said that I would be a qualified to work as a plumber at the end of 12 months, I now know this is false, Is there nothing that can be done?

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    Default Re: How do I get out of a loan agreement with train4jobs?

    Yip, misrepresentation possibly, I'm just trying to find out the actual situation. Are you employed in the industry already ? Does the course involve any practical training/experience ?
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    Find Solicitors offering fixed fees on our sister site - JustBeagle.com

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    Default Re: How do I get out of a loan agreement with train4jobs?

    I have been told that I would have to travel to the City and Guilds approved training centre in Wolverhampton. I do not work in the plumbing industry

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    Default Re: How do I get out of a loan agreement with train4jobs?

    Did the salesrep inform you of that before you signed up?
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    Find Solicitors offering fixed fees on our sister site - JustBeagle.com

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    Default Re: How do I get out of a loan agreement with train4jobs?

    No, after I had signed is when he gave me all the paper work

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    Default Re: How do I get out of a loan agreement with train4jobs?

    And is the information about the wolverhampton course in the paperwork ?
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    Find Solicitors offering fixed fees on our sister site - JustBeagle.com

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    Default Re: How do I get out of a loan agreement with train4jobs?

    Not that I can see! Do you think there might be something I can do!?

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    Default Re: How do I get out of a loan agreement with train4jobs?

    Yes, if you feel the course was misrepresented to you you should make a complaint.

    It sounds like the course doesn't give you the qualifications you were told it would and you weren't informed about any practical element of the course - I think your first step in that case is to write to Metropolitan and ask exactly which qualification you would receive on completion of the 12 months and whether there is any practical element to the course, as you were informed you would received x,y,z qualifications, were not told about any pratical training requirement, and now you have started the course you are concerned that the course won't actually give you the qualifications to be a qualified plumber which is what you were told before signing up. Could they clarify the situation please as you feel the course has been misrepresented to you and are considering cancellation.
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    Find Solicitors offering fixed fees on our sister site - JustBeagle.com

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