My apologies for emailing you again but I have a further question in relation to this matter. The company, Who4 claims that by agreeeing to use their services, I have accepted their T&C's - please see more info below:-
Please allow me to also highlight a relevant section of our terms and conditions, to which you agreed when choosing to submit your application through us: 11.4 Due to the nature of our Services, we will begin to provide the Service to you with immediate effect upon the completed submission of your application.11.5 By making an order with us and completing the Application form you are deemed to be granting authority for us to begin providing our Service immediately. This means that you will not have the right to cancel your contract with us once you have made your order.As the service is complete and in light of the above information I am unable to cancel or refund your payment.
However, I would argue that I was duped into submitting my tax return details through Who4 (as I had accessed their site through google search) whereas I believed it was HMRC's website. Further, I had not been asked to view and confirm their T&C's, neither at the time of submitting my tax details nor the time when payment was made, which would have alerted me about the fact that I was not dealing with HMRC. Also, after completing the application, the website provided what appeared to be an estimate of the tax owed, followed immediately by a request for payment which it says you must now make – with a warning that if payment is not made, the user of the website may be liable to a penalty or prosecution by HMRC. They did not state that the payment related to their fees that are due.
So my question is, in these circumstances, can the company use the argument that their T&C's nullify the cooling off period?