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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.

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.

Check before you sign, although the company must provide you with the same notification of your rights as doorstep sellers.This includes renewals for insurance where the agreement has been sent by post.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.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.

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