Hi there, I completed a cert 3 and cert 4 in person training back in March 2014. I had paid $1000 off the total bill and was on a payment plan for the rest. As a result of losing my job and going through some personal things, I had to cancel the payments (hold) to which the company were happy to do for me. As the year went on, I wasn't working all that much and was still going through some financial issues. The company contacted me and requested I paid in full, in which I set up a payment plan with them, however prior to starting payments again, I asked if they would keep the $1000 I had already paid and not give me my cert 3 and 4 and if we could call it a day on the rest. They have advised that they will not accept this. Now I understand where they are coming from, but I have not been able to pay anymore off the bill due to being a uni student. In this case, I have asked for the company policy, in which it doesn't say they can take any further legal action in regards to the monies owing, nor can they have debt collectors step in or attach interest on to the bill owing. They have, however, threatened this to me, but as it does not state this in the company policy, can they legally take this further? Please someone help, thank you.