How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask Ben Jones Your Own Question
Ben Jones
Ben Jones, UK Lawyer
Category: Law
Satisfied Customers: 49789
Experience:  Qualified Solicitor - Please start your question with 'For Ben Jones'
Type Your Law Question Here...
Ben Jones is online now

I subscribed to a 'free trial' of Summer slim @ 2.97 and

Customer Question

I subscribed to a 'free trial ' of Summer slim @ 2.97 and have now been billed for 2x £79.95 . The terms and conditions covered payment for trial goods as such but they never informed me of end of trial period ,and the y never informed me of immediate payment of 2x£79.95.I am an OAP and can not afford this outlay nor would I have ordered this product if the cost were outlined. They have offered 50%t refund but still find this unacceptable.Please advise legal position. Mrs Lynda Clayton
Assistant: Where are you located? It matters because laws vary by location.
Customer: Leeds LS16 8JX
Assistant: Has anything been filed or reported?
Customer: I have only e mails
Assistant: Anything else you want the solicitor to know before I connect you?
Customer: I will take this to the press if I get an unsatisfactory conclusion
Submitted: 8 months ago.
Category: Law
Expert:  Ben Jones replied 8 months ago.

Hello, my name is***** am a qualified lawyer and I will be assisting you with your question today.

Expert:  Ben Jones replied 8 months ago.

How did you pay them, was it a credit or debit card?

Customer: replied 8 months ago.
Credit card
Expert:  Ben Jones replied 8 months ago.

Thank you. These are known as ‘recurring payments’ and having difficulties with cancelling them is a common issue. Companies tend to use them as they have a one-off authority from the consumer to charge these payments on their card and do not have to set up direct debits or standing orders. It means the company can take amounts as and when they want to – the dates and amounts can also differ. Many genuine companies use them legitimately but there are unfortunately a small proportion of unscrupulous ones who decide to take advantage at the same time.

What makes things difficult for consumers is that their requests to end the charges are unanswered and the company either has not provided any contact details or they ignore all correspondence.

Assuming attempts to cancel these payments directly with the company are unsuccessful, the following options are still available:

1. Contact the card provider - advise them that you are withdrawing your authority and making a formal request for them to terminate these payments. The Financial Conduct Authority has confirmed that in these circumstances “you do have the right to cancel directly with your card issuer. Once you have done this, it must stop payments immediately - it cannot insist that you agree this with the company taking the payment first."

2. Financial Ombudsman - If neither the company nor the card issuer cancel these payments and the situation remains unresolved, you can take the case to the Financial Ombudsman service:

In terms of getting the money back, you can only ask the company to do this, but the issue is if they refuse to do so. In that case your only legal remedy is to issue a claim in the small claims court to recover it. You can go to the press as mentioned but that will not guarantee a successful resolution and the small claims court is the only place where you can at least get a formal legal judgment to use against them.

Please take a quick second to leave a positive rating for the service so far by selecting 3, 4 or 5 stars above. I can continue answering follow up questions and in particular can also discuss the steps you need to follow if you were to take this further. There is no extra cost for this - leaving your rating now will not close the question and means we can still continue this discussion. Thank you