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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.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.

This 14 day cooling off period also covers situations where you bought a financial product from an intermediary or a broker, even if it was discussed and signed face to face.

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.

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