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Legal query. Contracts

  • 05-09-2022 1:34pm
    Registered Users Posts: 45

    I tried to find a legal subsection but couldn't find one, so I apologise if I'm in the wrong place.

    I'm trying to purchase an ipad from a well known company (pretty sure that I'm probably not allowed to name the company and it's not really relevant?).

    This company sells both the product but it also provides the finance (in the form of a loan/credit agreement).

    The cooling-off period for the product sold by this company is 31 days, however, the cooling off period of the credit agreement is 14 days.

    Am I correct in thinking that I'm locked into the credit agreement after the 14 days, so the 31 day cooling off period for the product is irrelevant in my case?

    I've tried to pin them down on this but their sales advisors don't appear to have a copy of the credit agreement T&C's (they're more expert on the physical products than on credit agreements).

    The cooling off period is relevant as the product I'm buying is a gift and I won't see them until the end of September and should I need to back out, I need to make sure that I can.