Hello my name is ***** ***** I will help you with this.
Is there a termination clause or have they breached the agreement please?
There is no formal contract in place, just the email exchange.
They have performed their services well, no problem there, we just can't afford it
If you can not afford it and there is no contract then you are not bound.
Therefore they can not charge you a 3 month notice period.
No contract - no notice
Can I clarify anything for you about this today please?