Consumer protection agencies have received numerous complaints about these businesses and urge consumers to be cautious.The Federal Trade Commission has more information on credit repair companies and recent actions against them.[Back to Top] Retail Installment Plans A State law (RCW ) also gives you three business days to cancel a retail installment contract made with a door-to-door salesman, regardless of the amount.The law also applies if the contract was made either in person at a place other than the seller’s business as shown on the contract, or by commercial telephone solicitation.
This law does not cover purchasing a franchise, which falls under the Franchise Investment Protection Law (RCW 19.100).[Back to Top] Timeshares Under the state’s Timeshare Regulation (RCW 64.36), the buyer of any kind of time share has the right to cancel within seven days after signing the contract or seven days after receiving the disclosures about the time share which are required by law, whichever comes later.You may also cancel a timeshare purchase any time before you sign the purchase agreement, and the promoter must refund your deposit (minus account fees) within 10 days.The health studio must then provide you a refund within 30 days, but the amount of refund you are entitled to varies depending on the type of contract signed. Reasonable cause under the law does not mean simply changing your mind or not liking the way the hearing aid looks.The aid must be in original condition except for normal wear and tear.Be sure the notice is postmarked before the deadline for cancellation.[Back to Top] Counting “Business Days” When counting business days, do not count the day on which the contract was signed.However, under both state and federal law, Washington consumers do have the right to cancel a contract in some cases.This section lists the main types of contracts that can be cancelled.[Back to Top] Vocational Schools Students who sign up for private vocational schools, which do not grant degrees, have five business days to cancel their contracts and get their money back (WAC 490.100).If students cancel during the five day period, they receive a full refund.