Cancel Bumper the easy way

Overview

Bumper in the UK offers interest-free PayLater finance for vehicle repairs, servicing, MOTs, parts and accessories. The product splits a bill into installments over 1 to 6 months with no interest on repayments. Bumper works with a network of garages to allow customers to spread the cost of vehicle work.

How it works in practice

You receive a payment arrangement at the garage or online that lets you pay the bill in monthly instalments. Bumper collects payments and may use a Continuous Payment Authority (CPA) to take repayments. Cancelling the CPA with your bank stops payment collection but does not automatically cancel the PayLater credit agreement or the underlying contract with the garage.

Quick company facts

Web / Portal

1. Open the payment link in your Bumper email or visit https://www.bumper.co/.
2. Sign in or use the repayment link to view instalment schedule.
3. Change payment method or request help via the portal messages.
4. Keep a screenshot or saved email confirmation as proof.

iOS / Android

1. Open the SMS or email link sent by Bumper to your device.
2. Follow the same steps as the web portal to pause or change payment details.
3. If you cannot access the app, email [email protected] stating your customer reference and desired action.

Phone

1. Contact your bank and ask them to cancel the Continuous Payment Authority (CPA) for the card used by Bumper; this stops future collections immediately.
2. Call the garage that supplied the work to cancel the service contract or to arrange a refund.
3. Email [email protected] to inform Bumper and request agreement on an alternative payment method.

Email

1. Email [email protected] from the address on your Bumper account with your customer reference, the reason for cancellation and a preferred remedy.
2. Request written confirmation of any change to collections or repayment schedule.
3. Retain the sent email and any reply as proof.

Post

1. Write a clear letter including your full name, customer reference, and the action requested (cancel CPA, withdraw from PayLater, dispute charge).
2. Send by registered post to: Bumper, 27 Old Gloucester Street, WC1N 3AX London, United Kingdom.
3. Keep the postal receipt and a copy of the letter for escalation if required.

Moving address

If you move address and need to stop a CPA or update billing, update your payment method in the Bumper portal and notify [email protected]. Proof required: a copy of a recent utility bill or tenancy agreement showing the new address and a bank statement showing the payment method change. Applicable law: Consumer Contracts Regulations 2013 where you are exercising withdrawal rights.

Price increase

Research does not show a standard Bumper practice of raising instalment interest during an agreed interest-free plan. If the garage increases its charge for the goods or services, you must contact the merchant for a refund or price adjustment; if the cash price paid via credit is between £100 and £30,000 you may have Section 75 protections under the Consumer Credit Act 1974 and can raise a claim against the credit provider and the merchant.

Death of subscriber

If the customer dies, the estate remains responsible for outstanding credit. Contact Bumper and supply a death certificate and proof of executorship. Required proof documents: death certificate and letters of administration or probate. Applicable law: Consumer Rights Act 2015 (service must be performed with reasonable care and skill) and standard estate administration rules.

Legitimate ground

Bumper accepts cancellation or dispute where the underlying goods or services are faulty, not supplied or misdescribed. Required proof documents: invoices, photos of faults, garage work orders and correspondence with the merchant. Applicable law: Consumer Rights Act 2015 and Section 75 of the Consumer Credit Act 1974 when the cash price is between £100 and £30,000.

End of commitment

Bumper PayLater plans are short-term instalment agreements. To stop future automatic collections, cancel the CPA with your bank and ensure you have a written settlement or closure confirmation from Bumper. Proof required: bank cancellation reference and Bumper confirmation email.

Cooling-off (14 days)

You have a right to withdraw from a PayLater credit agreement within 14 days under the Consumer Contracts Regulations 2013. If you withdraw within 14 days you must repay the credit provided to you. Since PayLater is interest-free, no interest will be charged on the repayment. To exercise the right, notify the merchant and Bumper and keep written proof. Applicable law: Consumer Contracts Regulations 2013.

Before cancelling: negotiate

Bumper is known to offer flexible repayment structures and the ability to delay the first payment by up to 40 days. To negotiate, contact [email protected] and ask to change your repayment date, delay the first payment, or agree an alternative payment method. Also ask the merchant whether they will authorise a refund or a revised invoice. If you cancel a CPA with your bank, inform Bumper by email so they can propose an alternative collection method.

What cancelling saves you

Example calculations using real figures: testimonial evidence shows a customer paying £34 per month. If you are paying £34 x 12 = £408 per year. Alternative competitor Thistle costs £9 per month, annual cost £9 x 12 = £108. Example saving if moving from a £34/month repayment arrangement to a £9/month alternative: £408 - £108 = £300 per year. Other competitor pricing: GoForma Start Sole Trader £44/month (£528/year) and Join Jump £49/month (£588/year). The actual saving depends on your outstanding balance and the alternative chosen.

Regulators and key laws

Bumper International Limited is authorised and regulated by the Financial Conduct Authority (FCA) for consumer credit activities (Firm Reference Number 1024048). Relevant UK laws: Consumer Rights Act 2015 and Consumer Contracts Regulations 2013. For credit disputes you can escalate to the Financial Ombudsman Service if you are unsatisfied with Bumper's final response or response time.

Cooling-off and Section 75

The Consumer Contracts Regulations 2013 give you a 14-day right to withdraw from a PayLater agreement. Where the cash price of goods or services is more than £100 and not more than £30,000, you may have a Section 75 claim under the Consumer Credit Act 1974 against the credit provider and the merchant if goods are faulty, not supplied or misrepresented.

Auto-renewal and unfair terms

The Competition and Markets Authority (CMA) treats hard-to-cancel subscriptions and unclear auto-renewal terms as potential unfair practices. If you experience an unclear auto-renewal for a Bumper-related service, raise a formal complaint and keep written records. If unresolved, consult Citizens Advice and the Financial Ombudsman Service.

Final billing and repayments

If you withdraw from your PayLater agreement within 14 days you must repay the credit provided. Since PayLater is interest-free, no interest is charged on that repayment. If you cancel a CPA with your bank but still owe money, agree a repayment schedule with Bumper in writing.

Data and account access

Keep copies of all emails, screenshots of portal confirmations and any bank cancellation reference numbers. If you need copies of your account statements contact [email protected] and request them in writing.

Re-activation and new credit

If you later want Bumper finance again, contact the merchant and Bumper to request a new PayLater arrangement. Re-authorisation and approval will follow Bumper's standard underwriting and merchant acceptance procedures.

Use this checklist to close your case and keep documentary proof.

• Identify if you need to cancel a Continuous Payment Authority - contact your bank and obtain a cancellation reference.
• If within 14 days, notify Bumper and the merchant that you withdraw from the PayLater agreement and repay the credit.
• Email [email protected] with your customer reference and keep the sent message and any replies.
• Send a registered letter to Bumper, 27 Old Gloucester Street, WC1N 3AX London, United Kingdom, and keep the proof of postage.
• Contact the merchant for refunds or to cancel the underlying goods or services and keep all correspondence.
• If you disagree with the outcome, compile your evidence and escalate to the Financial Ombudsman Service.