Adam Frankel
General Counsel · Technology & AI
15+ years as General Counsel to technology, cloud & AI companies
Ending a joint hire purchase or a conditional sale agreement - letter by Citizens Advice
Open Legal LibraryUpdated 3 Nov 2025
The Citizens Advice template letter to end a joint hire purchase or conditional sale agreement helps consumers formally terminate the agreement and clarify any outstanding liabilities. It is part of Citizens Advice’s widely trusted library of open, lawyer-vetted letter templates.
Ending a joint hire purchase or a conditional sale agreement - letter
[client names]
[client street address]
[client city and postcode]
[client phone number]
[client email address]
[recipient bank name]
[recipient street address]
[recipient city and postcode]
[letter date]
Your reference: [reference number]
To whom it may concern,
Account names: [account names]
Account number: [account number]
We hereby give you notice that we wish to terminate the above Hire Purchase/Conditional Sale 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,
[client names]
About this template
What is this template?
This is a formal notice of voluntary termination for consumer credit agreements. It is not a settlement offer or a dispute letter, as it specifically invokes the debtor's statutory right to end the contract under Section 99 of the Consumer Credit Act. It contains a request for return arrangements and a demand for a final statement of liability.
When should you use it?
Use this letter when you wish to return goods and terminate a hire purchase agreement before the full balance is paid. Use a debt settlement letter instead if you intend to pay a lump sum to close the account without returning the goods.
What's inside
| Clause | Name | What it does |
|---|---|---|
| Paragraph 1 | Notice of Termination | Provides immediate notice to terminate a Hire Purchase or Conditional Sale agreement before the final payment is due. |
| Paragraph 1 | Statutory Authority | Cites s.99 (1) and s.100 of the Consumer Credit Act to define the legal right to terminate and calculate remaining liability. |
| Paragraph 2 | Return of Goods | Requests the recipient bank to provide arrangements for the physical return of the goods subject to the agreement. |
Who it's for
- joint account holders seeking to end a vehicle or goods finance agreement before final payment
- consumers in the UK exercising statutory termination rights under a regulated credit agreement
- debtors returning goods to a bank to limit liability under the Consumer Credit Act
How long it runs and how it's signed
How long
Used once
Signed by
client names
Witness
Not required
Notarisation
Not required
Law it's drafted under
Refers to
Consumer Credit Act
Refers to
s.99 (1) of the Consumer Credit Act
Refers to
s.100 of the Consumer Credit Act
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.
Jurisdiction
England & Wales
Source
Document info
HTML document. Document created on Fri Sep 26th, 2025. Last updated on Mon Nov 3rd, 2025.
This document is public
Licensed under Proprietary / All Rights Reserved.
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