I placed an order for a SMEG oven from Real Domestic Appliances today, a stockist listed on SMEG's website. Prior to placing this order I had phoned around all the stockist on the list to ask about availability of this product. Less than 2 hours after I placed the order, another stockist phoned with a better offer I contacted Real Domestic Appliances to cancel the order. I was advised that SMEG has charged Real Domestic Appliances £25 to cancel the order which I would need to pay. The order has been cancelled but this £25 witheld on this basis. I phoned SMEG to ask about this policy and spoke to Gemma who assured me that Real Domestic Appliances will not be charged as there was no attempted delivery. Gemma explained that this is in the policy agreement between Real Domestic Appliances and SMEG so Real Domestic Appliances will know this. I have sent an email to SMEG copied to Real Domestic Appliances asking for a reply in the next 5 days. What are my options for getting my £25 back if Real Domestic Appliances have deceived me? Pat

Hi folks, first post here I'm looking for some advise on what I can do about what I consider to be unfair treatment by Zenith underwriting. So, background is: I had a renewal quote from my current insurance company which I found unacceptable, but was not due for three weeks. So I went to the Meerkat on Sunday to get alternative quotes on my car insurance, which Lloyds Insurance (Run by BILS?) gave me a quote of £402, so I happily went ahead and accepted on Sunday. This morning they sent me a reminder to provide my NCB, so this I tried to do, but on ringing the call centre I was told that the underwriters (Zenith) had cancelled my policy because of an irregularity in my wife's insurance claims, which I had included in the original quote. On being pressed, the lady at the call centre said that it was because I had incorrectly said that the "Other Party" was at fault, which apparently is not what the record says. What the record actually says is that it is an unresolved case, as we are currently at legal loggerheads with the third party as they will not reply to either their solicitors or our solicitors regarding the accident (but that's a whole other story). Anyway, I take issue with this, as I went back to Meerkat, put in correct information (according to them) and came back with a quote that was £4 more expensive than original (okay so far)... but then whilst trying to carry this through on the telephone I was told that the original Zenith underwriters will no longer cover me due to a technical inconsistency (ie - I lied about the claim). In my eyes I answered the question correctly Question: Who was at fault Possible answers: Both Parties No Other Vehicle Involved Our Driver Other Party Unoccupied Vehicle There is no option for Unresolved. Because Zenith will no longer cover me, I have found that my premiums are now nearly doubling to about £750. As a result I am obviously very annoyed at Zenith for not taking a common sense approach and contacting me to advise of the inconsistency and giving me the right to double check, give alternative advise. I also have issue with the fact that when I tried to contact them, I am put in a queue/multi question call queue for nearly 20 minutes to be finally told that the offices are now closed, call back soon. Also, having never had insurance cancelled before, I now cannot truthfully say that I have not which can cause issues later on in insurance quotes. So, my query is - do I have a right to appeal this cancellation, and if so, does anybody have any contact details for Zenith underwriters as Lloyds can only give me the Zenith Car Insurance company, which is a totally separate company. Yours - in frustration JrB

Hi, I am wondering if you can help me here, I am currently a member of a kick boxing gym in the West of Scotland. I signed up to a 12 month membership 10/04/13 at £60 per month. Due to tearing ligaments in my ankle in June 2014 I spoke to the owner of the gym who kindly froze my membership until the start of this November. Since being injured I have decided that I no longer wish to continue kick boxing so now want to cancel my membership as £60 is alot of money for something my heart is no longer interested in doing. Now when signing my contract I was led to believe that it would be a year's membership and then go onto a monthly rolling contract from then. Looking at the small print on the back it is saying that I would need to pay a cancellation fee equal to three months training (£180!). As you can imagine I do not want to pay £180 out of pocket. Can any knowledgeable people advise me on the best course of action and whether a three month cancellation fee is lawful and enforceable? Would speaking to the owner of the gym be the best option, or would dealing with Harlands directly be better? Thanks in advance. Liam

Hi, My contract with TalkTalk ends in Feb 2015. Ive been advised that I can cancel before that it ends bygiving 30 days notice, and would cost me £46 but they told me I can NOT cancel in writing or email. It has to be by phone? Surely this CANT be right? Please help.

Hi. I signed a CFA, then cancelled it after 6 days, well within the 14 day cancellation period, which by the contract means I am not liable for any costs. With the CFA I also took out ATE insurance. My question is, am I liable for the cost of the ATE insurance, or do I have to cancel that too?

Good Morning, I would be extremely grateful for any advice on the below matter. Last October I entered into a fixed-term 12 month assured shorthold joint tenancy with a friend I had known for a number of years, via a letting agent. Over the last 10 months our friendship has broken down and I now wish to vacate the property at the earliest possibility. My friend however wishes to remain in the property for up to another year. I have spoken with our LA and the information I have received is that as my friend wishes to remain at the property, the tenancy agreement will "roll over", meaning I may remain liable for rent payments and would not necessarily be refunded my £1,600 security deposit on vacation of the property. They have stated that a full deposit would be required by my friend in order to release my 50% which I understand, however they have also stated unbelievably that my deposit money may have to be refunded to my friend and SHE would have to pay me. Given that the breakdown in friendship is the reason for non-renewal, I would not then trust this person with £1,600 of my own money. My issues on this are as follows: - Why does the agreement favour my housemate and make it so difficult for me to break from the contract? This was stated at 12 month duration and I would understand that if I do not sign another agreement I am no longer tied to the property? - Can a letting agent legally refund money I have registered with the TDS? Both my friend and I paid the same amount from separate bank accounts and I understood these funds were being held separately? - My friend wishes to take on the whole tenancy for herself and plans to use her parents as guarantor. Surely the straight forward way to go would be to cancel the joint tenancy and have my friend re-apply for sole occupancy tenancy under a separate contract? This would then bring our joint contract to a close and would in time release our existing security deposit, albeit my friend would have to reinstate this 100% on occupancy. Any thoughts or guidance based on previous experience or knowledge of this sector would be extremely grateful! Thanks in advance

My daughter had signed up for a free 14 day trial with this company, before the trial was up she had cancelled the full subs. However They took out over £150 14 days after she had signed up. They took the money knowing that she had cancelled. She has called them and they have said that they will refund the money but it can take up to 10 days to appear in her bank. Having just come back from holiday and having only 74p in the bank you can imagine her horror at the prospects of not being able to feed her two children. She has spoken to her bank and they have told her that the money they took should be refunded straight away as it was paid via a debit card and the company have no reason to have this money refunded straight away, but Ancestry have told her its not their problem and basically she will get it when their finance department refund it. Ive had to lend her some money just to tide her over the weekend. I have looked over the net and have found that they have a habit of doing this spanning back to when they had first started out, not just in this country either. I just cannot understand how this company has been allowed to get away with this after such a long time. She has placed a formal complaint to them but is there anyone else she could complain too other than this company, who are very well known for doing this. I will do a little more research into this, but so far its not looking good.

Hi there. I appreciate this is a bit of a unique set of circumstances, if it was straight forward there'd be no need to post here, but I wanted some clarification and advice. I'll try and keep it simple. At 20 years old, I got my first car in October last year, Smartmiles was the cheapest insurance because of the box, however I still wanted to pay monthly due to my working circumstances and financial situation. In June, with only 2 payments to go, my direct debit bounced due to negligence on my part. I became aware of this, and went on to Creation's website (who manage my policy's finance) and paid the money that I was in arrears on there. Unbeknownst to me, paying through the website didn't stop the direct debit from being repeated a few days later, once again putting my account into "arrears" even though I actually only owed the final month, which shouldn't be due until the end of July. Then, due to the direct having bounced twice in a row, I apparently got hit with a £25 charge. However I was not told about said charge, and as such did not pay it. I got the usual letter from Hastings saying my policy would be cancelled in so many days due to my account being in arrears, however when this has happened previously I have called them, paid what I owe, and everything has been fine. Naturally, as I knew I had already paid for June's payment, and July wasn't due yet, I knew my account should not actually be in arrears anymore, and could disregard the letter. Except for the hidden £25 charge that had appeared. That ensured my account was still in arrears, and as such when I hadn't paid it by the 22nd July, my policy was cancelled. First phone call to Hastings, was told they'd ring back the next morning, I never had a phone call but they told me they could not get through to me. Fair enough. Second phone call, spoke to someone who basically told me that the £25 charge being unpaid was the reason my policy was cancelled, and they wouldn't reinstate it. Third phone call, spoke to a lovely lady, and she actually looked upon my situation, my finance account, transaction history, and saw that it was simply a case of computer automation, for example if I had phoned the company to pay, they would know it was paid before the 2nd direct debit went out, therefore I would have had no charge. Human intervention, in other words. She said she's going to have a look at it today, and call me back, which I appreciate, I shall see what she says and go from there. However I still want some advice. I completely understand that it is my responsibility to make sure my DD payments are going through. I get that. What I'm stumped about is being hit with a £25 charge, which I had no notification of, and cannot find any information about on Creation's website. If I had known that it was due, I would have paid it straight away and this would never have happened. As such now, with only 1 month's payment left (£155) I have lost the no claims of my first year, and, for the foreseeable future, whenever I try to get a new quote, I have to declare that I have had a policy cancelled, and so most insurers won't go near me, and the ones that do are easily charging north of £3000 for a 1.0 Saxo at 21 years old. Any advice? If this was a simple case of me missing a DD payment, and it being cancelled for that, I would accept it as my mistake, however the way I see it, it is not completely my fault at all. Thanks folks, apologies for being a bit long winded, it's just slightly complicated.

Dear all, I am looking for any others that have experienced similar issues with Tesco car insurance, and/or missing communications from them on a wider basis. If anyone has any insight or advice, I would be very glad of that too. I present my nightmarish experience below: Three months ago, I chose Tesco car insurance for renewal due to their good price and well known brand. This was a month ahead of the current policy expiry to ensure a good deal, and to ensure ample time for policy documents to arrive before the new policy began. Approximately one week later, I received the Tesco policy documents by post (with the letter dated the same day that I bought the policy). This was paid for annually in advance, and all was in order aside from a request for a proof of no claims discount (NCD). This was obtained from the current insurer and sent on to them in their own pre-paid addressed envelope, within good time and before the policy commenced. I heard nothing more from Tesco until last Thursday 24th October, when a letter dated 17th October arrived stating that they had cancelled the car insurance policy on the 17th October. This was apparently due to them not receiving proof of the NCD, a fact they had completely failed to tell me. The letter of the 17th October states that one warning letter had been sent 14 days prior to that date, and I have yet to see any sign of it. According to Tesco, they had actually sent between 2 and 4 warning letters (none of which arrived nor has any trace outside of Tesco) between the start of the policy and the final notification of cancellation. I refer to between 2 and 4 letters, as each individual spoken to has stated a different number, about which they are adamant. And yes, that letter of cancellation definitely only mentions one. Now this leaves me with two major issues: 1.) I was unaware that the car was uninsured for seven days after they cancelled the policy. I take this very seriously indeed, as aside from risk of damage/theft I could have been caught unwittingly breaking the law. 2.) I now have to tick the "I have had car insurance cancelled." box in all future insurance forms. And yet I have done absolutely nothing wrong, and I have done everything that I should have done. A quick test on Confused.com suggests an increase in premium of 70%! Tesco has just completed its initial 24 hour investigation, from which they have concluded that x number of letters have definitely be sent out, and that they have no record of receiving the NCD proof from me. This leaves me in an arduous situation, as having used their postage paid envelope for sending the NCD, I have no proof of postage. In addition, I can hardly produce concrete proof that their letters have not arrived (not that they seem interested in this anyway). I also immediately obtained a new proof of NCD from the old insurer by e-mail (a hard copy is following by post), and forwarded this directly to a customer services manager at Tesco. They have accepted this as proof of NCB, but they refuse to reinstate the original policy, nor repeal the cancellation, leaving me firmly stuck with major issue number 2 above. A more formal complaints investigation is now underway, but I clearly need to gather as much advice and support has possible. Any help would be greatly appreciated! Cheers, Cumulonimbus

Hello I rang up my gym last month to inform them that I would like to cancel my membership. They responded by saying to me I can either cancel the direct debit or go down to the gym and cancel it there (they needed me to fill out a cancellation form). As the gym is out of my way as I have moved jobs I decided to cancel the direct debit. I have now received a letter from Harlands stating I owe them 19.99 and £25 admin fee. I have now realized after cancelling my membership that I cancelled it a month early, this explains the letter I think. I signed up for a 12 month contact for 19.99 which started on 28/8/13 and first debit was 14/9/13. This confusion in me cancelling early was that the direct debit had been going for 16+ months on the account as I was on a student membership prior. The reason or my cancellation is the gym isn't properly vented (doesn't seem it if it is) which means the smell is horrific (late night when I attended). This has caused me to leave early feeling nauseated on multiple occasions and I did go sick which then caused me to stopped me attending (about 2 months). I have read a couple of the threads on here however I am unsure what I should. I don't mind paying the last month membership as I realize I cancelled early as it was a 12 month contract and I cancelled after 11. Do I have to pay the admin fee? Could anyone please offer any advice? Thank you for any advice given in advanced.

Hi there, I registered for a 30 day trial with eFax as I needed the ability to fax some PDF Documents to the HMRC. I had alot of trouble with the program and instead tried another online product which worked instantly. Consquently I dropped eFax an email stating my desire to cease the trial with immediate effect and close down the account (I was still on the 3rd day by this point) I had an email back from eFax which was a rather obnoxious marketing email with various offers, a very weak apology and the insistence that I phone them to cancel. Rather bemused by this I sent a rather snotty email back stating that I wished to keep the matter in writing, wouldn't be phoning them and purely so there was no margin for dispute on the cancellation (I've been stung on that before) Anyway I received an email back saying my written cancellation was unacceptable as I needed to verify security details with them (Considering the offensive sales pitch in the first email I have fears that should I phone I'll get a sales pitch down my throat for half an hour, something I don't particularly have the time for) The last email I sent to them I confirmed all the details I had given them on the initial signup forms and the last 4 digits of the card number used. I also stated that I was removing their authority to charge my credit card and any attempts to do so would be deemed unauthorised and chargebacks would be made etc. Finally I stated I would not be making verbal contact over the account, that I had a right to keep things in writing and that they 'will' honor the request. Since then I have had no return correspondence and I have yet to receive my MasterCard Statement. My question overall is would you say I've acted correctly? (Open to constructive criticism of course) and am I correct in everything I've explained. Should they card my Credit Card it would be good to know where I stand after the Chargeback has been made. Thanks for your time! Nuke

My daughter joined Fit 4 Free in June this year for 12 months. She wasn't working and had the time and enough money to attend the gym and pay the monthly fee. In July she started an apprenticeship at £3.50 an hour. She works miles from home and didn't have time to go to the gym as she works shifts and more importantly she can no longer afford the monthly fee. She sent a letter explaining all this and they wrote back asking for proof of her new address. They obviously hadn't read the letter so she wrote again with all the same info and asking for some consideration of her dilemma. She cancelled her DD in September and has received a letter threatening debt collectors, even though she is still waiting for a reply to her second letter. Any and all advice would be welcome. Thank you LT

I was after some advice please about success in cancelling gym contract I joined Total Fitness in April at £40 a month membership. Since then I have had my tax credits cut and this was paying for the membership. I have had to sell my car to bring money back into the homepot. I have sat down and tried to work out finances but I can't really afford it anymore, especially now I don't drive and have to factor in bus fairs to the gym. I appreciate that I am in a 12 month contract, but I simply cannot justify £40 a month on what I see as a luxury item rather than an necessity. Do anyone have any advice or template letters which might be able to help. Much appreciated

hello all, this may be a long story lol i cancelled ALL my 79 year old mother in laws services from virgin on 31st march (phone and tv). after the 30days cancellation period i cancelled the direct debit. virgin left the phone line on and are still sending bills because the direct dibit failed and is charging late payment fees. i phoned them on 13th may and said theyve made an error and are still billing her , they said they'd stop and sort it - they didnt. just incase they made more errors i sent a letter explaining to head office. no letter/call to acknowledge receipt of the letter i sent. the other day she received a letter saying that bailiffs/court action etc is going to follow unless she pays. ive phoned them 4 times in the last 2 days which has resulted me in coming on these forums because they are just sending me round in circles. ..nothing is getting resolved and on one occasion they just disconnected me. i found out that the error they made was they left the phone line on incase she wanted to 'port' the number (which she didnt) and because of this error this is why they are sending the bill each month and are saying we didnt cancel when we did. headache is an understatement. what can we do except go to court/wait for the bailiffs? what is the procedure? any help is gratefully appreciated.

Hi, I recently cancelled a gym membership by just cancelling the direct debit as I was about to go overdrawn. I was supposed to give a month's notice which I didn't do so I am prepared to pay them two month's membership. However, they are charging me £50 for missing the two payments and I am wondering if I can contest these 'administration' charges? They are already threatening me with debt recovery companies because I haven't paid yet. In addition to the fact I was about to go overdrawn, the gym was also frequently never open on time, something that many people have complained about and I was wondering if I could mention this in my correspondence if I contest the administration charges? Thanks in advance for any advice.

Need some help. a cousin of mine made a car hire booking over the phone and a deposit was taken ( balance cash on the day). now he has cancelled before the function and the rental company is threatening to take full payment and fight over the balance in court. no signing of contract has taken place. is the car hire firm well within their rights to do this? thx

My daughter & her family cancelled their membership with David LLoyd, giving the required 3 months notice taking them to the end of May. Their son was having swimming lessons their at an extra cost to them. They re-booked his lessons in March and these should have continued until the end of July. David Lloyd are saying that he can't continue with his lessons, nor will the refund the balance. At no time were they told that this would happen. The response they have had is as follows:- Unfortunately as per my recent conversation with your wife we are unable to refund you for any outstanding swimming lessons. Swimming lessons are: Booked in advanced for the whole term. By doing so you are securing your place on the programme. Swimming lessons are only available provided you are a member. If you cancel your membership during the term the lessons are not refundable as the place on the programme has already been sold. Our terms and condition relater to your ‘membership’ not our products. I can see that your son has been swimming with us since June 2013 and you have subsequently gone through two re-booking windows. You re-booked in November 2013 and March 2014. I am surprised that in March you believed you were paying for a term that would only run up until the recent May half term, given you have booked and took part in previous terms that would have ran for a minim of 12 weeks. During each re-booking window, our instructor issue report cards, re-book letter, send emails, text messages and set up displays in club detailing the length of the term. I am sorry that this is probably not the outcome you are looking for, however we have to be fair and consistent to all our members. Should you re-join the club in the future I am happy to honour the lessons and will make suitable arrangements. Can they do this? Oh and as for the reports cards etc. none of that has ever happened!!!

Hello everyone, I'm writing on behalf of my girlfriend's family here. They signed up for Virgin Media 6 months ago, knowing that they would be buying a house soon but referred to Virgin's Home Mover website which makes moving seem a breeze. They were renting, but bought a house 2.5 miles away from their rented one. When they informed Virgin they had moved, Virgin informed them that they (Virgin) were cancelling the contract as they offered no services in the new area, and that my girlfriend's family must pay the full cancellation charge of £240. I did some reading up (on Broadband Choices) and found that Virgin usually offers their standard broadband service on a smaller contract, so they asked if this was possible, Virgin refused and said cancellation was the only option. They didn't feel this was fair and so wrote a letter to their complaints department. A week later they have received no reply, just a bill for £240. Is this fair? Is there anything they can do to argue/fight this? Thanks very much for your help.

HI, Advice needed please I recently booked a family holiday through First choice using there low deposit scheme. The total cost of the holiday was £1750 I paid a £250 with the balance being due today £1500 , due to to some unforeseen circumstances I am unable to go , so I tried to cancel I was fully aware that I would lose my deposit but now they are asking me for another £350 pounds to cancel . This seems outrageous to me . can they really enforce this ?? Should I ignore them or pay .?

Yesterday I logged into the Sky website and went to my account to downgrade. I requested that the HD subscription be removed as with our eyesights, we cannot see the difference between standard TV and the HD channels. I advised that I was aware of the 31 day cancellation period. I emphasise that I was logged in when the email was sent. Today I have received an email rejecting the request as per the following; We have received a request to make a change to your Sky account. Unfortunately we don’t have all the security information we require to be able to process the request. To complete this action we need to speak to you as we don’t recommend providing security details in writing. We need you to contact us on 08442 410 973 to confirm the security information which will allow us to complete the request. If we do not hear from you then we will take no action on your account, meaning all details and/or services will remain unchanged and active. If you do not want us to process any request on your account then no further action is required from you We look forward to hearing from you. Can they reject my request even though I can upgrade without any security checks etc and the fact that I was logged in. We do not want to phone them as the 0844 number is chargeable by the minute and you can spend up to 20 minutes on the phone.

Hi each and all, Just looking for a little direction on this on if you wish to add your opinions On the 15 February 2014 I took out car insurance on my vehicle and paid in full The total cost was £530.00, I have just changed my car so telephoned them to say can I transfer the policy on to my new car, the agreed but after checking they said the underwriters wont insure my new car ( Peugeot 307 HDI 2003 ) from my old car ( BMW 330 Convertible 2004 ) and the quote for the Peugeot would be £1200, which is ridiculous they said if i take thi £1200 policy out with them I would be refunded £379 or thereabouts, if I canceled the policy I would be refunded a total of £289, they claim a £50.00 cancelation fee plus a further 15%, so for 12 weeks use It has cost me £241 pound Does this seem right? it seems a little excessive to me, I questioned them why £50.00 plus 15% they said it is in there T&Cs, is this fair or are they trying to ***** me

Hi, Bit of a strange one this, I took out a gym membership with DW Fitness on 28th April 2014 and that same day I found out that my Wife was pregnant. Thinking that the added monthly cost would be better spent elsewhere I called the gym the next day to ask if they would agree in this instance to cancel it as I have had not used the service and I could do with using the money elsewhere. The manager instantly stated that this was a 6 month agreement taken out in good faith, which I agree is correct, however, I kindly asked he if would consider. He advised me that he couldn't make that decision without speaking to someone at head office as it was not something which has happened before. I have sent an email as requested to the gym and i received no reply some 7 days later, I have again emailed him today and he has since left a voice mail to say that as he thought, he doesn't 'think' that it can be cancelled and the 6 month period must be honoured. Now, I was considered biting the bullet and completed the six months, however, in the past week my Wife has been rather ill with severe nausea known as HG for short. This has left her more or less bed bound for 4 days with no sign of improving at present, meaning I am now having to care for her and our 7 year old, meaning the gym is not likely to happen any time soon. I appreciate the 6 month contract agreement, does anyone know of any compassionate grounds where they may listen and understand my request? Many thanks Martin

Hi, I wonder if anyone can help with this? I've been with Orange for probably 10 yrs now, same account & number, and I upgraded my phone in January after my previous 24 months ended, and opted for a non-iPhone deal for the Samsung Galaxy Note 3. Anyway, since then, EVERY bill has been wrong and we have been charged for every megabite of data, even though as part of my tarrif I get 1gb included. I called them on 7th April to complain about this and was told by a chap there that they hadn't applied the correct tariff and that he would pass it to their 'resolution' team or some other department, to deal with it and get things refunded. It's today the 26th April and I called to chase them as we have heard nothing, and was told that it had never been referred to anyone (the lady today said it should be the billing department). Up to now I was quite happy for them to correct their error and get on with it but quite frankly I've had enough of their shoddy service and believe that I have a right to terminate or rescind the contract, as they haven't fulfilled their side of the contract and provided me with the service that I signed up to. Am I right? Surely they can't just say 'we're resolving the problem' as the person on the phone today said? It's very nearly May and not one of our bills has been correct. Could I ask anyone who knows about this sort of thing a couple of questions please? Firstly, who should I write to, just the complaints department or cancellations department, or formally to the MD? Secondly is it advisable to send the handset back with this letter? I'm not fussed about trying to cancel and keep the phone, that is not my objective at all, but don't know if I need to? Thanks in advance for your help. Mark.

http://www.legislation.gov.uk/uksi/2013/3134/pdfs/uksiem_20133134_en.pdf http://www.legislation.gov.uk/uksi/2013/3134/schedule/4/paragraph/2/made http://www.newcastle.gov.uk/business/trading-standards/fair-trading/guidance-cancellation-rights-consumer-contracts https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/266525/bis-13-1368-consumer-contracts-information-cancellation-and-additional-payments-regulations-guidance.pdf http://www.taylorwessing.com/fileadmin/files/docs/Consumer-Contracts-Regulations-2013.pdf https://www.twobirds.com/en/news/articles/2013/uk/new-consumer-protection-rules-adopted-in-the-uk http://www.stevens-bolton.com/uploads/changes-to-consumer-law-in-the-uk.pdf http://www.stevens-bolton.com/uploads/changes-to-consumer-law-in-the-uk.pdf

http://www.legislation.gov.uk/uksi/2013/3134/pdfs/uksiem_20133134_en.pdf http://www.legislation.gov.uk/uksi/2013/3134/schedule/4/paragraph/2/made http://www.newcastle.gov.uk/business/trading-standards/fair-trading/guidance-cancellation-rights-consumer-contracts https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/266525/bis-13-1368-consumer-contracts-information-cancellation-and-additional-payments-regulations-guidance.pdf http://www.taylorwessing.com/fileadmin/files/docs/Consumer-Contracts-Regulations-2013.pdf https://www.twobirds.com/en/news/articles/2013/uk/new-consumer-protection-rules-adopted-in-the-uk http://www.stevens-bolton.com/uploads/changes-to-consumer-law-in-the-uk.pdf http://www.stevens-bolton.com/uploads/changes-to-consumer-law-in-the-uk.pdf