sorry don't think it uploaded property, I have sent an email and a letter in the post.
Here is a copy of the content included in both:
Dear Sir or Madam,
Re: Termination of hire-purchase agreement pursuant to section 99 of the Consumer Credit Act 1974 (“CCA 1974”)
I am writing to inform you that I am exercising my right to terminate the above hire-purchase agreement with immediate effect in accordance with Section 99 of the CCA 1974. You will be aware that I have to date paid 29 instalments totalling £5083.41 which exceeds more than half the total price payable under the agreement. Accordingly, I calculate that there are no further instalments to be paid.
I have also inspected the vehicle and I am of the opinion that it is in a reasonable condition given its age whilst accounting for fair wear and tear. Photographic evidence has been taken in the event of any future dispute as to the state of the vehicle.
Finally, I would remind you that as a consequence of terminating the agreement under Section 99 of the CCA 1974 and having met the relevant criteria under S.100(1) of the CCA 1974, my liability is limited to one half of the total price payable. Any additional costs, expenses, compensation or otherwise relating to a breach of the agreement are irrecoverable. The vehicle is available to collect and arrangements should be made at your own cost.
I am prepared to deliver the vehicle to a local auction site at my own expense, no more than a short reasonable distance from my registered address. If, however, you prefer the vehicle to be delivered elsewhere, then I will require an undertaking from you agreeing to pay my reasonable costs and expenses prior to it being delivered to your preferred location.
I would appreciate if you could contact me on xxxxxxxxxxx at your earliest convenience to discuss the next steps.
Yours faithfully,