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In many situations however, such as buying goods from shops, you are able to cancel the contract and get your money back.

But unless the goods are faulty, this is not an automatic right, and you must refer to the individual shop or supplier’s returns policy.

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.

There are obvious exceptions and you will not have the right to cancel with the purchase of the following goods: If you have bought something costing more than £35.00 from a trader as a result of a visit to your home or place of work (whether or not the visit was requested by you), you will be protected by the Doorstep selling Regulations – or to give it its proper title: The Cancellation of Contracts made in a Consumer’s Home or Place of Work etc Regulations 2008.

For this reason, the Timeshare Act 1992 gives you the benefit of a cooling off period of 14 days if contracts are signed in the UK.

If you sign abroad you will be subject to local laws, although most European member states have a cooling off period of 10 days.

If the creditor does not make this information available to you, then your cooling off period will not begin until this happens.You must provide notice of cancellation in writing and it must be posted to, left at, faxed or emailed to the business address of the supplier, and you must ensure this is done no later than 7 working days after receipt of goods.Contracts for financial products sold by distance means are subject to different rules, see below for more on this.You can use the cancellation form provided or a simple written notice, as long as it is clear of your intentions.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.Under certain circumstances, you are given the right to cancel over a specific period of time.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.One of the most important implications of these regulations is a cooling off period of 7 days during which you have the right to cancel.The insurer or broker must refund any monies paid by you within 30 days, although they have the right to deduct a reasonable admin charge, and a sum proportionate to the number of days cover you have had.If you have any related credit agreements, these will also be cancelled.

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