PAYMENT PLAN TERMS & CONDITIONS

Effective Date: 17 April 2026
 
These Payment Plan Terms apply where a student elects to pay tuition fees by instalments.
 
By selecting a payment plan, you agree to these terms in addition to the general Student Terms & Conditions.
 
 

1. Payment Plan Agreement

 
The Career Academy agrees to allow payment of course fees by scheduled instalments rather than full upfront payment.
 
The total course fee remains payable in full under the agreed payment schedule.
 
Failure to complete the course does not remove the obligation to pay outstanding fees except where required by law.
 

2. Payment Provider

 
Instalment payments may be collected securely through GoCardless or another authorised payment provider acting on our behalf.
 
By providing bank account details and confirming your payment plan, you authorise recurring collections in accordance with the agreed schedule.
 

3. SEPA Direct Debit Authority

 
Where payments are collected by bank debit:
 
- You authorise The Career Academy and its payment processor to debit your nominated account.
- You confirm you are authorised to use that account.
- Payments will be collected on or around scheduled due dates.
 
Advance notice of the first payment and any material change to payment amounts or dates will be provided where required.
 

4. Instalment Schedule

 
Your instalment schedule will be confirmed at enrolment.
 
Unless otherwise agreed:
 
- Payments are due on scheduled dates.
- Missed payments remain immediately payable.
- Future instalments continue as scheduled.
 

5. Failed or Missed Payments

 
If a payment fails, is reversed, or is declined, we may:
 
- Retry the payment.
- Contact you to update payment details.
- Request an alternative payment method.
- Suspend course access after repeated missed payments.
- Refer overdue balances for recovery where lawful.
 
You remain responsible for all outstanding amounts.
 

6. Consecutive Defaults

 
If two or more scheduled instalments are unpaid, we may require immediate payment of the remaining outstanding balance.
 

7. Updating Payment Details

 
You must promptly notify us if:
 
- Your bank account changes.
- Your card expires.
- Your contact details change.
- You anticipate payment difficulty.
 

8. Hardship Assistance

 
If you experience temporary financial hardship, contact us promptly. We may consider reasonable payment arrangement changes at our discretion.
 

9. Cancellation of Direct Debit Mandate

 
You may cancel your direct debit authority with your bank or payment provider.
 
However, cancellation of a mandate does not cancel your enrolment agreement or any outstanding debt owed.
 

10. Refunds

 
Refund eligibility is governed by the Student Refund and Cancellation Terms.
 
Stopping instalments does not itself create entitlement to a refund.
 

11. Chargebacks / Payment Disputes

 
Unauthorised payment disputes should be raised promptly with us and/or your bank.
 
Fraudulent or improper chargebacks may result in suspension of access and debt recovery action where lawful.
 

12. Collections and Recovery

 
Overdue balances may be referred internally or to an authorised collections provider subject to applicable law.
 
Reasonable recovery costs permitted by law may be added where disclosed and enforceable.
 

13. Privacy

 
Payment information may be processed by GoCardless and related service providers in accordance with our Privacy Policy. 
 

14. Contact

 
For payment assistance contact:
 
- Email: collections@thecareeracademy.com
- Phone: 01 437 8559