Ending a joint hire purchase or a conditional sale agreement - letter by Citizens Advice

Updated 17 October 2025

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.

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