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If the overruns last more than 3 months, the creditor will immediately offer the consumer another type of credit agreement. To terminate is to terminate the agreement, borrow money or pay over time. You can`t return what you bought unless it`s defective. A consumer credit agreement is a kind of credit agreement in which the borrower is responsible for proving his decision to resign, it is recommended to inform the lender of his decision in writing, preferably by registered letter with acknowledgment of withdrawal. Payment Protection / Payment Insurance / Credit Insurance means that you pay extra to cover refunds if you are dying, being disabled, losing your job or other life events. The terms apply, so make sure you understand what is included and what is not. You may already have insurance that could help. If, with the prior consent of the consumer, the creditor asks the consumer to offer a contract for the distance sale of financial services, the creditor must at that time at least indicate the main characteristics of the financial service – total amount of credit and direct debit conditions, duration of the contract, interest rate, amount, number and frequency of payments, description of the goods or services, and its price in cash if the credit takes the form of a 1999 payment debit, the Committee on Economic Affairs and Economic Affairs. However, compensation to be paid to the creditor must not exceed the amount of interest that the consumer would have paid if he had not repaid the credit before the agreed date of termination of the credit agreement. The credit agreement shall be drawn up on paper or on any other durable medium and each party shall receive a signed copy. . .

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Latest News

All courses upto 30th May are now cancelled including the Spring Course.

Beginner Courses

2020 Course Dates

Syllabus Courses:

  • 27th June

KAA One Day Courses:

  • 19th September
  • 28th November (AGM)

Spring Course

  • Cancelled

Komyokan Summer School:

  • 1st to 5th August

Course details will be published near their time.

Sensei in Holland:

  •  16th – 17th May (to be confirmed)
  •  11th  – 12th July (to be confirmed)
  •  31st – 1st November (to be confirmed)

Sensei in Astrakhan

  •  13th – 22nd April (to be confirmed)

JAC National Course

  •  13th June
Interview with Ezra Shihan – Part 1

Interview With Ezra Shihann – Part 2

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