Cancelling a Credit Agreement

A_Star

We took out a credit agreement with a double glazing company a few weeks ago. The windows were fitted last Friday but I refused to sign the credit agreement because I wasn't happy with some of the work. They are coming back today but neither my husband or I are at home so they won't receive the agreement until we post it.

The trouble is I'm very unhappy with the company and also feel the finance was missold (they told us we could pay it off as fast as we like but we can't). It's just occured the me I still have a graduate account with an overdraft that I could use to pay the £800 we're short of the total.

Question is can we cancel the credit agreement with no come back seeing as we haven't signed the agreement or can they still sting us for a cancellation fee since we're out of the cooling off period since we agreed to use the finance?

Thanks for your help!

chuckmanley83

This is a very situational based thing...I would either talk to a lawyer or take it up with the folks at the double glazing company.

Caroline73_2

Pay by cheque and if they ask about the finance agreement, just deny having one as you have paid off the windows.

Not based on anything legal, just common sense which probably doesn't mean a thing.

How stupid are the company to fit your windows without the signed agreement though?!

geordie_joe

A_Star wrote: »

Question is can we cancel the credit agreement with no come back seeing as we haven't signed the agreement

Surely if you haven't signed a credit agreement you haven't got a credit agreement! All you have is a piece of paper which would become a credit agreement once you sign it.

If you've signed anything else for them, even a cheque, then don't be surprised if they produce a credit agreement with your signature on it.