The course is Microsoft Network Administrator and was sold in my own home by a pretty pushy salesmen. Clydesdale financed the whole course and i transfered the loan as it was on a buy now pay later scheme with absurd interest when it ran out. The loan is now with Northern Rock. The course had a 14 day cooling off period but no course material turned up until after this date. I did sign a credit agreement form with clydesdale.
I still owe about £3k on the loan.
The advice I got from a legal service was to find an expert in the field to say that I am not able to complete the course but it's finding one.