Cancel Arnold Clark PSL the easy way

Overview

Arnold Clark PSL refers to personal service lease and related personal service leasing and service plan products provided by Arnold Clark. The product combines vehicle provision, maintenance and optional extras such as insurance and breakdown cover into a fixed-term package.

Who uses Arnold Clark PSL

Customers using PSL are private drivers and small businesses seeking an inclusive solution that bundles lease payments, servicing and warranty support at Arnold Clark service centres. Typical users include city drivers choosing packages from about £250 per month and family drivers on packages around £400 to £600 per month.

Company facts

Web

1. Go to Arnold Clark Leasing - Personal or Arnold Clark Car Finance.
2. Use the contact form to state you wish to cancel and give your agreement reference, name, address and reason.
3. Save or screenshot any confirmation or case number.
4. Send a signed written notice by recorded delivery to Arnold Clark PSL, 454 Hillington Rd, G52 4FH Glasgow if requested.

iOS

1. Open the Arnold Clark app and go to the contact or help section (Arnold Clark app).
2. Submit a request covering name, contract reference and cancellation request.
3. Take a screenshot of the confirmation and note any case number.
4. Send a recorded delivery letter if the agent instructs you to do so.

Android

1. Open the Arnold Clark app on Android and submit a cancellation request with contract details.
2. Keep the in-app message and any email confirmation.
3. Send written notice by recorded delivery if required by Arnold Clark.

Phone

1. Find the customer service number on your agreement or the Arnold Clark website.
2. Call and state you wish to cancel; get the agent name and reference number.
3. Follow up immediately with a written cancellation by recorded delivery to the registered address.

Email

1. Prepare a formal cancellation email with contract reference, full name, address, and date you want cancellation to take effect.
2. Send and request a read or delivery receipt; save the sent message.
3. If no response within 7 days, escalate by recorded delivery letter.

Post

1. Write a short signed cancellation letter including your contract reference, name, address and reason for cancellation.
2. Send by recorded delivery to: Arnold Clark PSL, 454 Hillington Rd, G52 4FH Glasgow, United Kingdom.
3. Keep the recorded delivery receipt and the recipient signature record.

Cooling-off (14 day right for distance or off-premises contracts)

Rule - If your PSL contract was concluded at a distance or off-premises you have a 14-day cancellation right under the Consumer Contracts Regulations 2013. You can cancel without giving a reason and should receive a refund for payments made within 14 days of the trader being informed of the cancellation or the return of goods. The refund must use the same payment method unless otherwise agreed.

Required proof documents - signed cancellation notice or completed online cancellation form; proof of return of vehicle where applicable.

Applicable law - Consumer Contracts Regulations 2013. Official text: legislation.gov.uk/2013/3134

Voluntary termination under Consumer Credit Act 1974

Rule - If your PSL agreement is a regulated credit agreement you have a voluntary termination right after you have paid at least half of the total amount payable. Voluntary termination allows you to return the vehicle and avoid paying the full remaining balance, subject to deductions for excess damage or mileage beyond fair wear and tear.

Required proof documents - written notice of voluntary termination to Arnold Clark; evidence of payments made covering at least half the total payable; vehicle return appointment documentation.

Applicable law - Consumer Credit Act 1974.

End of commitment

Rule - When your fixed-term commitment ends you can return the vehicle as provided by the contract without an early termination fee. The final settlement will include deductions for excess damage or mileage beyond allowances set in the contract.

Required proof documents - final inspection report produced by Arnold Clark or an independent inspection if agreed; mileage record and service history.

Applicable law - Contract terms and Consumer Rights Act 2015 for services performed with reasonable care and skill.

Price increase

Rule - If Arnold Clark increases a recurring price element where the contract does not allow it, you may have the right to terminate for breach. For subscription-style renewals, the Digital Markets, Competition and Consumers Act 2024 strengthens initial and renewal cooling-off and clarity obligations.

Required proof documents - copy of the original contract, written notice of the price increase and your cancellation notice, proof of notification from Arnold Clark.

Applicable law - Digital Markets, Competition and Consumers Act 2024 and Consumer Rights Act 2015.

Death of subscriber

Rule - If the named subscriber dies, an estate executor or administrator should contact Arnold Clark with the death certificate and account details to agree settlement. Financial obligations will be handled according to the contract and any relevant credit agreement rules.

Required proof documents - death certificate, proof of executor status and the contract reference.

Applicable law - Contract law and the Consumer Credit Act 1974 where relevant.

Legitimate ground (faulty or mis-sold vehicle)

Rule - If the vehicle is faulty and you exercise a short-term right to reject under the Consumer Rights Act 2015 within 30 days of delivery, you can reject the vehicle and obtain a full refund without deductions for reasonable use including mileage.

Required proof documents - evidence of fault such as inspection report, dated photos, service invoices and the short-term rejection notice.

Applicable law - Consumer Rights Act 2015.

Before you cancel: negotiate

Reported retention offers - Research does not list specific standard retention discounts that Arnold Clark PSL offers publicly. Customer reports show smoother outcomes where consumers use voluntary termination rules or agree a settlement after negotiation. To ask for retention, call customer services, provide your contract reference, and request a written retention offer or reduced monthly rate. Example script: 'My name is [name], contract [reference]. I want to cancel because of cost. What retention, discount or settlement can Arnold Clark offer to keep the contract?' Follow up by email and send any offers to yourself by recorded delivery.

What cancelling saves - example calculations

Use these exact product prices from research to estimate annual savings if you stop paying a PSL package (monthly price x 12):

• Standard PSL city cars from £250 per month: £250 x 12 = £3,000 per year saved.
• Standard PSL family hatchbacks and estates estimated at £500 per month (midpoint of £400-£600): £500 x 12 = £6,000 per year saved.
• Standard PSL larger SUVs or premium vehicles from £700 per month: £700 x 12 = £8,400 per year saved.
• PSL Plus enhanced package add-on estimated at £150 per month (midpoint of £100-£200): £150 x 12 = £1,800 per year saved.
• Arnold Clark Charge at £8.99 per month: £8.99 x 12 = £107.88 per year saved.

Cheapest realistic alternative - buying a reliable used car outright or low-cost finance is usually cheaper per month than PSL package pricing shown above. Example alternative: a basic Service Plan for 2 years from Arnold Clark is from £449 per year for engines up to 1800cc, which is £449 annually compared with £3,000 per year for PSL city car package. That Service Plan annual price is taken from Arnold Clark's published prices.

Where to find the Service Plan: Arnold Clark Servicing Plans

Key UK consumer laws

The main laws that protect customers are the Consumer Contracts Regulations 2013 for distance and off-premises contracts, the Consumer Credit Act 1974 for regulated credit agreements and voluntary termination rights, and the Consumer Rights Act 2015 which requires services to be performed with reasonable care and skill and prohibits unfair contract terms.

Sources: Consumer Contracts Regulations 2013, Consumer Credit Act 1974 and Consumer Rights Act 2015.

Cooling-off and refunds

If your agreement is a distance or off-premises contract you have a 14-day cooling-off period under the Consumer Contracts Regulations 2013. Arnold Clark must refund payments within 14 days of being informed of the cancellation or receiving the returned goods, except for direct additional delivery costs or diminished value caused by unnecessary handling.

Statutory escalation - if Arnold Clark refuses a lawful refund or charges excessive termination fees, complain to Citizens Advice for guidance, then escalate to the Financial Ombudsman Service if the contract is credit regulated, and use Section 75 or your card issuer for chargeback if you paid by qualifying credit card.

Auto-renewal and unfair terms

The Competition and Markets Authority has warned against hard-to-cancel subscriptions and unclear auto-renewal terms. The Digital Markets, Competition and Consumers Act 2024 adds protections on cancellation at initial and renewal cooling-off points and requires clearer notifications for auto-renewals.

Official text on renewal rights: Digital Markets, Competition and Consumers Act 2024

Vehicle return and inspection

Arrange the vehicle return appointment with Arnold Clark and obtain a written inspection report. If you are exercising voluntary termination under the Consumer Credit Act 1974, return the vehicle in an agreed condition and collect the signed return receipt.

Final billing and refunds

Ask for a final settlement breakdown in writing listing outstanding payments, termination fees and any deductions for damage or mileage. For cooling-off refunds, the trader must refund within 14 days of being informed of the cancellation or the return of the goods. Keep bank statements and any case reference numbers.

Data, records and re-activation

Save all correspondence, recorded delivery receipts and inspection reports. If you want to re-activate a contract later, request written confirmation of any reactivation offer and its exact price and term.

Before you cancel, gather documents and plan each step below. Use recorded delivery for hard-copy notices to preserve proof.

• Find your contract reference and payment schedule.
• Check whether the contract is a distance sale (to use the 14-day cooling-off right).
• Calculate payments already made to check voluntary termination thresholds (half of total payable under Consumer Credit Act 1974).
• Take dated photos of the vehicle and log current mileage.
• Call customer services to open a file and note the agent name and reference number.
• Send a signed cancellation letter by recorded delivery to Arnold Clark PSL, 454 Hillington Rd, G52 4FH Glasgow.
• Keep all email and app confirmations and the recorded delivery signature receipt.
• Request a written final settlement and insist on an itemised invoice for deductions.
• If refused or charged unfairly, raise a complaint and gather proof to escalate to Citizens Advice or the Financial Ombudsman Service for credit-related disputes.