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This is referred to as your cooling off period and the duration of this period depends on what you bought and the manner in which you bought it.The following are situations in which the cooling off period applies The purchase of goods and services over the internet, by phone or by mail order generally is subject to the Distance Selling Regulations.Any cancellation after this time will entitle you to a pro-rata refund.See our guide to extended warranties for more in depth information.With any contract or sale which is concluded away from the trader’s normal business premise, you must be sure you have been presented with clear written notice of your right to cancel, at or before the time the contract is made.If you have not, the contract is legally unenforceable.There have been numerous problems to do with consumers who have signed contracts while under pressure from sales reps in the UK or as a result of a ‘free’ holiday provided by the company.

You can use the cancellation form provided or a simple written notice, as long as it is clear of your intentions.And as long as you have posted your notice of cancellation before the end of the cancellation period, it doesn’t matter when it is actually received.For this reason, it is always advisable to send it recorded delivery.Unlike the cooling off period for goods bought under the Distance Selling Regulations (DSRs), the creditor may make a reasonable charge for any service (such as insurance cover) which was operating during this time.There are specific guidelines on how you should cancel the contract, which must be notified to you by the creditor before or immediately after the contract is made.

You can use the cancellation form provided or a simple written notice, as long as it is clear of your intentions.And as long as you have posted your notice of cancellation before the end of the cancellation period, it doesn’t matter when it is actually received.For this reason, it is always advisable to send it recorded delivery.Unlike the cooling off period for goods bought under the Distance Selling Regulations (DSRs), the creditor may make a reasonable charge for any service (such as insurance cover) which was operating during this time.There are specific guidelines on how you should cancel the contract, which must be notified to you by the creditor before or immediately after the contract is made.If the creditor does not make this information available to you, then your cooling off period will not begin until this happens.