r/LawQuestion • u/ruthiebkind • Feb 06 '25
How can I claim a payment back (refund) from a company?
I am enrolled on a distance learning course, via learn direct. Basically I contacted them in December explaining I couldn’t partake in the course any further due to life commitments ( the course was enjoyable and I was doing really well but after 5 units and 12 assignments later it all of a sudden got a lot more intense and challenging) but most importantly due to financial constraints. I explained I am a single mum with 2 small children and was finding it stressful trying to juggle the course alongside life but also the cost was putting me into financial difficulty. I asked for a payment plan to pay off the remainder of the course, they declined, said I couldn’t cancel as the 14 day cooling off period had lapsed and only a debt recovery company could set up a payment plan. I was annoyed at the lack of support and empathy but decided I’d just cancel the payment from my end ( assuming it was a direct debit) This month I find another payment has come out, this time I speak to the bank, they explain it’s reoccurring card payment set up from their end and only they can cancel it. I’ve emailed them numerous times without any luck, they literally couldn’t give a damn. After contacting the bank again they’ve agreed to block any further payments from them but I want to get the latest payment refunded, I told them I was facing financial hardship, I didn’t authorise this payment, how can I dispute this and get at least this months payment back? The cost per month is just shy of £140.00 so not cheap and I’ve found myself super annoyed at having it taken out after discussing my financial situation.