Stay away from Diversity smart trade collage

Dear Alfonso, 

Thank you for sharing your feedback. We are sorry to hear that you feel dissatisfied, and we appreciate the opportunity to provide clarity for future readers and to ensure the facts are fully represented. 

1. About the Agreement & Cooling-Off Period All clients—including yourself—receive a written Purchase Agreement before enrolment. As required by the Consumer Protection Act (CPA), Section 16, the agreement clearly includes a 5-day cooling-off period for direct marketing purchases. This is not a company rule, but a legal requirement in South Africa. The cooling-off period is disclosed in the contract, in the Terms & Conditions, and verbally during enrolment. 

2. The Course Is Not a Subscription Your agreement was not a month-to-month service. It is a fixed-term educational purchase agreement, as defined in: 

• Clause 8
• Clause 9

of the Purchase Agreement you signed. These clauses explain: 

• The course is a once-off purchase with a structured payment plan to assist you financially.
• Stopping payments does not cancel the debt or void the legal obligations.

3. Factual Clarifications Not Mentioned in the Review For transparency, we must note several key facts not included in your review: 

1. You entered into a legally binding purchase agreement on 23 June 2022, fully aware of the terms.

2.  Multiple attempts were made by our support and accounts team to assist you, including re-engagement efforts and proposing a payment plan, which you did not honored in full.

The listing at the credit bureau occurred only after:

1. Non-payment,
2. Full legal notice, 

After being listed, you made three small partial payments, but these did not settle the agreement or qualify for delisting.These details are consistent with the formal record submitted to Accountability Solutions (Pty) Ltd in TASK 82332/2025, and confirmed by their compliance team. 
4. Why Credit Bureau Listing Occurs Listing is carried out according to: 

• Section 72 of the National Credit Act,
• The signed Terms & Conditions,
• And Accountability’s compliance procedures.

A listing is not punitive—it is simply the legal process for unpaid agreements.
Once an agreement is settled in full, a Form C is issued, and all listings are removed. 
5. Value Received Your payment was not for “nothing.” You received access to: 

• The Smart Online Trader LMS
• Training modules
• Support
• Educational tools
• Trade idea access
• Onboarding and coaching invitations

Many students find tremendous value in these resources, though learning speed varies. 
6. About the Collections Email Such notices are only sent after long-term non-payment, and only once standard arrears procedures (multiple prior reminders) have failed.
This is standard practice among educational institutions and credit providers. 
7. Our Commitment to Good Faith Despite the contract being valid and enforceable, we remain open to helping you settle the matter affordably through a structured repayment arrangement. This offer has been extended consistently and remains available.  Final Note Your experience is important to us, and we encourage you to contact us directly so we can help resolve the matter in the most constructive way possible. 📩 ***
 ☎️ *** 
We appreciate your feedback and remain committed to supporting all our students fairly and transparently. 
— Diversit-e Smart Trade College Team