Help!!! Online university charging me £££££ for course I barely started!

[ilovehugs]

I'm a single parent working full time. Last year, I applied for funding (which never came through) and enrolled onto an online degree with a University. I found it impossble to keep up with the pace of the course and never submitted any work. About a month in, I spoke to the course leader and defered unti Feb. Not allot has change and unless I get more help with childcare, I would need a miracle to complete this course. The course leader emailed me because their records showed that I hadn't even logged in. I emailed to say that I still wasn't in a position to participate still. They have now emailed me to say that I am liable for fees. I never signed a thing, just ticked through the boxes on their online site. I have just read their extensive terms and conditions (yes, I should of done that first) and it seems I might be liable to up to £5k! basically for logging into their website six times. I don't have a penny to give them and never did, hence the funding. I'm sat here in tears at the prospect! Any advice would be very welcome righht now!

Its horrible isn't it. £90 and your debts are wiped. To the detriment of others.

There was a thread on here were a poster said it would have taken her 2000 hours at work to pay off her debt so she went bankrupt. Was honestly so angry I had to log out.

Who pays for all this?! We do. In higher interests rates, insurance and charges. Because sme people seem to have a total lack of moral accountability and actually, self respect.

Bankruptcy is a process which is very rigorously applied. A judge, in a court, has to deem you insolvent ie. unable to meet your debts. Judges can and do refuse to make a bankruptcy order if they believe the petitioner has the means to pay their debts.

Why borrow money you can't afford to repay though! No one wakes up with £50k of debt and no means to pay to back.

Look at the debt thread on here. People owe huge amounts of money yet are paying it back when some tmesotwill take decades. They are taking responsibility for their actions.

Interest should be frozen but original debt should never be wiped. You should just have to keep paying back as much as you can until death.

Super I was brought up to think that way too. Saddens me to see how many people just borrow money all the time. A credit card here, a car finance deal there. All adds up.

We are by no means flush, never have been. Yet we owe no money other than student loan (just the student loan, no extra student type loans, no student overdrafts) and our mortgage. Cars or anything else are bought in cash when we have saved enough. Because I pretty much stuffed up and chose a course that was wrong for me (but stuck it out to the end) I owe a heck of a lot of money to student loans as I am now on my second degree. I will be paying it off for a long, long time. But it is mine. I made the choices that got me there.

What makes me cross is the attitude such as displayed by the OP. I'm not bothered by the fact the OP was going to have their course funded, I believe funding for university to be essential. But the OP seems to think that because she never participated in the course she shouldn't have to pay the fees. She signed up and she never got round to officially dropping out. Therefore for all the purposes that matter to the university she was participating. As an adult doing an online course it is not up to the university to keep checking how many times you have logged in and accessed course materials. The onus is on you to manage your time and do the work and if you find you cannot then you need to talk to tutors and to make arrangements. If things are still not working and you want to drop out then you need to actually do so properly, having talked to the relevant departments. Why shouldn't you still owe the fees if you have signed up to and commenced a course?