I have dug out an even earlier copy of my agreement with NTL . This again says that it is a Hire agreement regulated by the Consumer Credit Act 1974. What part of "HIRE AGREEMENT" are people failing to recognise?
A couple of paragraphs from this are:
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The Consumer Credit Act 1974 covers the Agreement and lays down certain requirements for your protection which must be satisfied when the Agreement is made. If they are not the owner cannot enforce the Agreement against you without a court order.
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and
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You have a right to cancel this Agreement. You can do so by sending a WRITTEN notice of cancellation to the ntl office as shown above. You have FIVE DAYS starting from the day after you received this copy.
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These quotes are from the Agreement with a printing reference of NTLNS043 in the bottom right hand margin.
From my understanding of the Act the facts quoted in the original post are a correct interpretation of it.