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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.

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.Contracts are, by definition, legally binding, therefore it’s difficult to cancel without financial penalty unless you can prove breach of contract.In many situations however, such as buying goods from shops, you are able to cancel the contract and get your money back.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.

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