I wouldn't implicate others.. but I would say 'I've noticed you attempting the same with other people'.
I'd also tell some of them you've had enough and intend to do this, as a heads up that flack may fly (would certainly be fine in MY friendship group but may be not yours, I dunno).
Mine is a tale of one scruffy, feckless child whose silly boyfriend with his equally silly parents, signed up to something out of desperation...and a fight against multimillion quid (probably) professional CF's and the C there is not cheeky.
Anyone recall a company called Skillstrain - they've been called other things, Scheidegger, Skills Train, probably more, good tactic that, close the company, start another with a similar name.
Anyway... boyfriend out of work, has moved in with me, everyones horribly poor and sad and depressed etc etc, its 1995, he goes to a work fair type thing.
Gets the details of a company that provide a variety of home based training that will DEFINITELY result in a job earning 25K.
Now I smelt a rat immediately but he didn't, he wouldn't listen and his parents who I didn't know well enough at that point to shout at, also fell for it.
A slimey salesman came round and sold him this huge lie... the basic premise is, they will provide you up to date, fantastic industry standard IT training, which would definitely net you a fantastic job. Work at your own pace, all lovely and how fantastic we work with a company thats pre-approved you for a loan if you sign up right now (guaranteed by his parents as we've nary a pot to piss in).
I asked if it was covered by a cooling off period, oh yes he says, 14 days in which to change your mind, super safe of course.
14 days later, course material hasn't arrived. Of course it hasn't.
Three months later, the course material HAS arrived, its horribly out of date, IT has changed dramatically in the areas this course is covering, the course material is ridiculous... cardboard cut outs of computer innards with velcro-on pieces to show you know what goes where is the 'practical hands on training'.
But we can't cancel, because we now owe them 3.5K... we should have cancelled in the first 14 days if we didnt like the course content... blah blah.
Another month, you cannot work through the course at your own pace as the tutors do not mark work often, and feedback is pretty much nil. At this point it is clear that even if the course content was valid, you wouldn't finish in their time frame and would need to borrow more money.
I had enough. I went through their course material with the finest of fine tooth combs.
I picked out 18 pages of errors, incorrect information, out of date, pictures and diagrams marked as one thing that are something else entirely.
I discovered that the organisations, brand names, big biz they say approve their courses actually have nothing to do with them, haven't heard of them or indeed HAVE and had already told them to remove their logos and stop using them as a selling point.
I find a whole raft of people online furious, trapped into debt, with Skillstrain saying well its not our fault, its the finance company, nothing to do with us you can't have a refund, you took a loan out with them, not us...
I said 'but you have the money ... you pay it back to the loan company.' Oh no, they couldn't do that...
Yeah.
I sent my detailed letter, outlining the myriad ways in which they had not fulfilled the contract we had with them.
I sent it recorded delivery to the training providers address, and to the finance companies PO Box.
Whaddya know, same company, both letters signed for with the same company stamp and personal signature.
A quick rummage in companies house and lo and behold... both companies have same directors too!
How funny. I asked them about this on the phone, 'You must be mistaken Madam...' I said I had photo evidence of both items recieved with the same time stamp, same Schiedegger stamp, same 'Trevor' scribbled on it.... hung up on me.
Long story short after multiple aggressive phone calls, which I dealt with (told them they were dealing with me, not the boy) and nasty letters threatening to take my house (good luck it is the councils) blah blah etc..
I finally had a phone call and then follow up letter stating if we sent back the course material and never spoke of them again they would cancel the debt.
I got conformation of the debt being written off... never did uphold my end of the bargain though. Fuck 'em.
I now know a lot of people didn't have a successful outcome and had to pay, or were indeed taken to court and got CCJ's for not paying. I bet they're still out there, scamming the desperate and vulnerable :(
But I won.