Ending a joint hire purchase or a conditional sale agreement - letter by Citizens Advice
This document is a template letter for jointly terminating a hire purchase or conditional sale agreement. It allows consumers to formally notify a creditor of their intention to end the agreement before the final payment is due, referencing sections 99(1) and 100 of the Consumer Credit Act. The letter also requests arrangements for returning the goods and details of any outstanding liability.
Ending a joint hire purchase or a conditional sale agreement - letter
Sam Hoolin and Alex Liu
8 Park Avenue
Arlton AL1 4CA
01632 960001
[email protected]
Giltham City Bank
24 Station Road
Giltham GT16 3LP
12 September 2025
Your reference: AN1/Reminder/674
To whom it may concern,
Account names: Sam K Hoolin and Alex P Liu
Account number: 12345678
We hereby give you notice that we wish to terminate the above Hire Purchase agreement with immediate effect. We understand we have the right to do this at any time before the final payment is due, under s.99 (1) of the Consumer Credit Act. We also understand that our liability following termination will be calculated in accordance with s.100 of that Act.
Please let us know the arrangements for returning the goods. When they have been returned to you, please tell us if we have anything more to pay.
Thank you for your help and we look forward to hearing from you.
Yours faithfully,
Sam Hoolin and Alex Liu
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England & Wales note
This version is drafted for England & Wales. Scotland and Northern Ireland differ on some points — for example notice periods and tribunal procedure. Tell GitLaw where you hire and it adjusts the draft.
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