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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.

For this reason, the Timeshare Act 1992 gives you the benefit of a cooling off period of 14 days if contracts are signed in the UK.

If the creditor does not make this information available to you, then your cooling off period will not begin until this happens.

Financial products including banking, credit, insurance, personal pensions and investments, sold by distance means are subject to a 14 day cooling off period (this is 30 days in the case of life insurance and personal pensions).

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.

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.

You must be sure to follow correct procedure for cancellation (see below).

The insurer or broker must refund any monies paid by you within 30 days, although they have the right to deduct a reasonable admin charge, and a sum proportionate to the number of days cover you have had.

Just as with the Distance Selling Regulations, you must have been provided with a notice of your cancellation rights, otherwise the agreement may be legally unenforceable You may also invoke your 7 day cancellation rights for items over £35.00 where business is taking place away from the trader’s HQ or shop.

This may include any of the following: It is also the case even when contracts are concluded at a later date, back at the trader’s shop or office – the fact that you have made your offer away from here is the important thing.

This includes renewals for insurance where the agreement has been sent by post.

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