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Contracts for financial products sold by distance means are subject to different rules, see below for more on this.
Something else worth mentioning is that the supplier must have sent you written confirmation of your order no later than the time of delivery of the product or performance of the service.
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.
There are obvious exceptions and you will not have the right to cancel with the purchase of the following goods: If you have bought something costing more than £35.00 from a trader as a result of a visit to your home or place of work (whether or not the visit was requested by you), you will be protected by the Doorstep selling Regulations – or to give it its proper title: The Cancellation of Contracts made in a Consumer’s Home or Place of Work etc Regulations 2008.
These regulations give you a cooling off period of 7 calendar days during which time you have the right to cancel and get a full refund.
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.
Under certain circumstances, you are given the right to cancel over a specific period of time.If they did not, then your 7 day cooling off period will not begin until they do, and may be extended by a further 3 months.If you have commissioned a service under a distance selling contract and the work begins before the end of the 7 days cancellation period, then you must give up your right to cancel, but this must be clearly communicated and with your express agreement.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.