Pre-paid funeral plans
d. You decide to cancel your funeral plan (meaning you are ending the Contract) because we have told You about a failure on our part caused by something beyond our reasonable control. 7.5 If You are cancelling the funeral plan but it is not because of one of the reasons set out in Clause 7.4, the Contract will end immediately but we reserve the right to charge You a cancellation fee of £200. The circumstances in which we will and will not charge a cancellation fee are as follows: a. if You tell us no more than 30 days after the date we received Your first payment or where we have not confirmed Your nominated Funeral Director within that 30 day period, You tell us no more than 7 days after we have confirmed Your nominated Funeral Director, we will refund You in full the amounts You have paid and not charge a cancellation fee; b. if You tell us more than 30 days after the date we received Your first payment or where we have not confirmed Your nominated Funeral Director within that 30 day period, You tell us more than 7 days from the date we confirm Your nominated Funeral Director, we will refund You in full the amounts You have paid less the cancellation fee of £200; or c. . If You are paying by instalments and are within 24 months of the date we received Your first payment, then no cancellation fee will be applied. If You have paid in instalments and cancel the plan after the second anniversary of the contract start date, we will retain an amount representing the charge applied for the convenience of paying by instalments. 8. Our rights to cancel your funeral plan and end the Contract 8.1 We may cancel the funeral plan and end the Contract and so not have any obligation to provide the funeral plan if: a. You do not pay amounts when due and have not done so within 10 business days of being notified of a second missed payment. b. You have not provided the information we require set out during the funeral plan consultation; c. we decide to end the Contract because You have told us about a failure on Your part caused by something beyond Your reasonable control; or d. the funeral plan has not been redeemed by the 110th birthday of the person to whom the funeral plan relates, or we have reasonable cause to believe the funeral has already taken place and we have not heard from You within 6 months of contacting You at Your last known address. 8.2 If we cancel your funeral plan (meaning we are ending the Contract) for the reasons set out in Clauses 8.1.1 to 8.1.3, we will refund all amounts paid less a cancellation fee of £200. If You have paid in instalments and we cancel the plan after the second anniversary of the contract start date, we will retain an amount representing the charge applied for the convenience of paying by instalments. 8.3 If we cancel your funeral plan (meaning you are ending the Contract) for the reason set out in Clause 8.1.d, we may keep any amounts You have paid unless we hear from You that You wish to cancel the funeral plan and end the Contract. In this case, we may cancel the funeral plan and end the Contract and refund all amounts to You less a cancellation fee of £200. If You have paid in instalments and cancel the plan after the second anniversary of the contract start date, we will retain an amount representing the charge applied for the convenience of paying by instalments. If You miss an instalment payment, we will write to You with a reminder within 5 business days. 8.4 If You miss the next subsequent payment due, we will again write to You with a reminder within 5 business days. If after a further 10 business days of the second reminder letter being sent payment has still not been received, then we reserve the right to cancel your funeral plan (meaning you are ending the Contract) and charge a £200 cancellation fee. If You have paid in instalments and cancel the plan after the second anniversary of the contract start date, we will retain the funding element of the instalment You have paid. Any fees will be deducted from the value of the refund payable to You. We may also charge You any third-party fees if we have incurred these costs and cannot recover them. Any third-party fees that cannot be recovered will be deducted from the value of the refund payable.
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