Hello, in Feb 2010 I had just come out of a really bad and abusive relationship and I was working, but I wanted something new. I saw an ad for HLC and took a look at their website. I saw that they offered courses for webdesign and I sent away some details to request more information. Instead I got a sales woman coming over and being in the state that I was back then I foolishly signed up for CIW 1 & 2 at the total sum of £2300. I wanted to sign up for one course but the woman said that they offered a package for both courses at a "cheaper" price. by August 2011 I had moved to a new city, worked at a new job for a year and was making plans to move to Canada. By that point I had already paid £1734 - well above the price for the one course I HAD received all the material for (they only send you the materials and books for the second course when you pass the first). I sent an e-mail to HLC saying that I was moving away to Canada and seeing as I had already paid for the one course I'd taken I would like to cancel the second course. I was told that I had to pay for the second course (apparently even if I haven't received the material for it). I (foolishly) cancelled the direct debit as by that time I had done all the Google research and seen what kind of company HLC really are and was frankly discusted that I had let myself get tricked into paying that kind of money when I could have saved it instead. My plans to move to Canada fell through due to various reasons and instead I received another job and moved to another city. I get paid more, but this city is expensive and I often have trouble making ends meet throughout the month. Last week I received a letter from Clarity with a reference number stating that I need to call them as soon as possible. I know that it's about HLC, because I pay my other bills just fine. Problem is: 1. I am a coward and often have issues with facing these kind of problems. 2. Despite working full-time I have trouble making ends meet every month and that in itself is depressing since I have a student loan from my birth country to start paying off. 3. I guess it's my pride speaking but can they really demand money for nothing? I have not taken the second course, I have not received material for the second course. It feels a bit like paying for milk but walking out of the store with nothing. Can I argue against this debt, or is it a lost cause? Thanks and sorry for the long post. This has just added to the depression I already have due to finances. Edit: I would assume that they've added some insane interest as well for the months I haven't paid, which just depresses me more.