This is a perfectly acceptable practice. Two different scenarios will affect your right to cancel the credit agreement - Either you have had no "face-to-face" contact with the broker/ lender or you have had such a discusssion/ negotiation. If you have had face to face involvement then the documentation, once signed by you off trade premises, should be signed by the lender, returned to you at which point you would have 14 days in which to cancel the whole contract and get any money back that you have paid. This should be prominent on the documentation returned to you if it applies at all.