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Section 69: Notice of cancellation.

Consumer Credit Act 1974 · 1974 c. 39View on legislation.gov.uk

Part V: Entry into Credit or Hire Agreements

If within the period specified in section 68 the debtor or hirer under a cancellable agreement serves on—

the creditor or owner, or
the person specified in the notice under section 64(1), or
a person who (whether by virtue of subsection (6) or otherwise) is the agent of the creditor or owner,

a notice (a "notice of cancellation ") which, however expressed and whether or not conforming to the notice given under section 64(1), indicates the intention of the debtor or hirer to withdraw from the agreement, the notice shall operate—

In the case of a debtor-creditor-supplier agreement for restricted-use credit financing—

the doing of work or supply of goods to meet an emergency, or
the supply of goods which, before service of the notice of cancellation, had by the act of the debtor or his relative become incorporated in any land or thing not comprised in the agreement or any linked transaction,

subsection (1) shall apply with the substitution of the following for paragraph (i)—

Except so far as is otherwise provided, references in this Act to the cancellation of an agreement or transaction do not include a case within subsection (2).

Except as otherwise provided by or under this Act, an agreement or transaction cancelled under subsection (1) shall be treated as if it had never been entered into.

Regulations may exclude linked transactions of the prescribed description from subsection (1)(i) or (ii).

Each of the following shall be deemed to be the agent of the creditor or owner for the purpose of receiving a notice of cancellation—

a credit-broker or supplier who is the negotiator in antecedent negotiations, and
any person who, in the course of a business carried on by him, acts on behalf of the debtor or hirer in any negotiations for the agreement.

Whether or not it is actually received by him, a notice of cancellation sent to a person shall be deemed to be served on him—

in the case of a notice sent by post, at the time of posting, and
in the case of a notice transmitted in the form of an electronic communication in accordance with section 176A(1), at the time of the transmission.

About this text

This legislation text comes from legislation.gov.uk. Contains public sector information licensed under the Open Government Licence v3.0. These source and reuse terms cover the legislation text, not Remedy's commentary.

Reuse reviewed 21 August 2026 under Open Government Licence v3.0.