{
  "url": "https://openlegislation.uk/eu-directive-2008-48/annex-II/division-4",
  "json_url": "https://openlegislation.uk/eu-directive-2008-48/annex-II/division-4.json",
  "legislation": "eudr/2008/48",
  "legislation_title": "Directive 2008/48/EC Of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC",
  "legislation_url": "https://openlegislation.uk/eu-directive-2008-48",
  "path": "annex/II/division/4",
  "kind": "division",
  "number": "4",
  "heading": "Other important legal aspects",
  "text": "Right of withdrawal\nYes/no\nYou have the right to withdraw from the credit agreement within a period of 14 calendar days.\nEarly repayment\nYou have the right to repay the credit early at any time in full or partially.\nIf applicable\nThe creditor is entitled to compensation in the case of early repayment\n[Determination of the compensation (calculation method) in accordance with the provisions implementing Article 16 of Directive 2008/48/EC]\nConsultation of a database\nThe creditor must inform you immediately and without charge of the result of a consultation of a database, if a credit application is rejected on the basis of such a consultation. This does not apply if the provision of such information is prohibited by European Community law or is contrary to objectives of public policy or public security.\nRight to a draft credit agreement\nYou have the right, upon request, to obtain a copy of the draft credit agreement free of charge. This provision does not apply if the creditor is at the time of the request unwilling to proceed to the conclusion of the credit agreement with you.\nIf applicable\nThe period of time during which the creditor is bound by the pre-contractual information\nThis information is valid from … until …\nIf applicable",
  "extent": "E+W+S+N.I.",
  "status": null,
  "version": "current",
  "annotations": [],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/eudr/2008/48/annex/II/division/4",
    "retrieved_at": "2026-11-01T15:22:21.482265+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}