What will happen if I cancel a direct debit against the refunds/cancellation policy of a company?

grmajik

Hi, I've purchased an online course and the payment is not due until 6th of May. In their cancellation/refunds policy they say that I can cancel and get a refund within 14 days of my enrolment but my right to refund is void if I access any content of that course. Now I'm wondering, what would happen if I did cancel the direct debit despite having accessed SOME of the content?

[Deleted User]

Well, as you've accessed the course you will be chased for the payments owing; splitting hairs and saying you've only accessed 'SOME' of the course is going to mean you've created a breach in the terms and conditions and have caused yourself untold anxiety in the process.

A) Take responsibility, accept you made a bad decision in accessing and see if there's any way the company will allow you to pay only part of the agreed sum.
  Argue the terms and conditions/point with them and badger your way through what's going to be a case of you defaulting on your obligation and getting negative credit file markers.

colsten

You can cancel your DD, even if it puts you in breach of the T&Cs you agreed with the course provider.

You cannot stop the course provider from handing their legitimate payment request to a debt collection agency. The DCAs are ruthless and won't stop from getting a Court order against you if you don't pay the original, plus the uplift they are adding. A CCJ can easily go on your credit file and cause you untold trouble for the next 6 years. But hey, all of this is worth it for cancelling a DD to pull a fast one on a company.......

jonnygee2

You can cancel your DD, even if it puts you in breach of the T&Cs you agreed with the course provider.

You cannot stop the course provider from handing their legitimate payment request to a debt collection agency

Exactly this.