Ending a hire purchase or a conditional sale agreement - letter by Citizens Advice
Updated 3 November 2025
The Citizens Advice template letter to end a hire purchase or conditional sale agreement helps consumers notify a finance provider of termination under the Consumer Credit Act and request a final statement of liability. It is part of Citizens Advice’s widely trusted library of open, lawyer-vetted letter templates.
Ending a hire purchase or a conditional sale agreement - letter
[customer name]
[customer address line 1]
[customer address line 2]
[customer phone]
[customer email]
[creditor name]
[creditor address line 1]
[creditor address line 2]
[letter date]
Your reference: [creditor reference]
To whom it may concern,
Account name: [account name]
Account number: [account number]
I hereby give you notice that I wish to terminate the above Hire Purchase/Conditional Sale agreement with immediate effect. I understand I have the right to do this at any time before the final payment is due, under s.99 (1) of the Consumer Credit Act. I also understand that my liability following termination will be calculated in accordance with s.100 of that Act.
Please let me know the arrangements for returning the goods. When they have been returned to you, please tell me if I have anything more to pay.
Thank you for your help and I look forward to hearing from you.
Yours faithfully,
[customer name]
About this template
What is this template?
Ending a hire purchase or a conditional sale agreement - letter by Citizens Advice is a free, ready-to-use Consumer law template you can open, customize, and download on GitLaw. It gives you a professionally structured starting point, so you never have to draft from a blank page. The wording is plain and modern, organized into clear sections that are easy to read, edit, and adapt to your own situation before you share or sign it.
When should you use it?
Reach for this Consumer law template whenever you need a reliable agreement quickly and want to be sure the essentials are covered. It suits individuals, freelancers, startups, and established businesses alike. Instead of paying for a document drafted from scratch, you can start here, tailor the details to your arrangement, and have a polished draft ready in minutes. This version is drafted with England & Wales in mind, though you should always review the final wording against the laws that apply to you.
What's typically included?
A well-drafted Consumer law usually sets out the parties involved, the scope of the agreement, and each side's rights and responsibilities. Expect sections covering key terms and definitions, how long the agreement lasts, how it can be ended, and what happens if something goes wrong. This template brings those building blocks together in a sensible order, so you can focus on the specifics rather than worrying about what to include. Open it to read the full document, then sign up to edit, negotiate, and e-sign it directly in GitLaw.