Loans & contracts
We enter into contracts all the time in our everyday lives. From joining a gym to buying something online or taking out a loan. Our guides can help you understand what to look out for, including the importance of cooling-off periods.
Step by step guides
How to cancel a contract without being penalised
To ensure you're not penalised for cancelling a contract, cancel within the cooling-off period. Our step-by-step guide helps you avoid hefty penalty fines.
How to take a complaint to the Financial Ombudsman Service
Got an unresolved dispute with a financial company? The Financial Services Ombudsman could help. Follow the Which? step-by-step guide on how to complain.
Letter to cancel a contract for services made at a distance
If you want to to cancel a contract for services made over the phone or online, use this template letter to help you.
Letter to cancel a contract made in person at your home
If you want to cancel a contract that you signed when someone came into your home within the 14-day cooling off period, use this Which? template letter to help