Ending a hire purchase or a conditional sale agreement - letter by Citizens Advice
Updated 17 October 2025
This template is a letter for a consumer to formally terminate a hire purchase or conditional sale agreement. It cites sections 99(1) and 100 of the Consumer Credit Act, outlining the consumer's right to terminate and the calculation of liability. The letter requests arrangements for returning goods and confirmation of any outstanding payments.
Ending a hire purchase or a conditional sale agreement - letter
Sam Hoolin
8 Park Avenue
Arlton AL1 4CA
01632 960001
[email protected]
Giltham City Bank
24 Station Road
Giltham GT16 3LP
12 September 2025
Your reference: LL/ANO/Reminder1
To whom it may concern,
Account name: Sam K Hoolin
Account number: 12345678
I hereby give you notice that I wish to terminate the above Hire Purchase 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,
Sam Hoolin
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.