Cancelling a recurring payment for an on-line service.
Discussion
I signed up to an online course subscription using my UK credit card. I paid the first payment of $97 to the US company yesterday, with the other eleven payments due over the the next twelve months.
After gaining access to the course, I discovered it was very poor and does not live up the the promises.
I want to cancel, what is presumably a continuous payment authority (CPA) agreement, however their order agreement states that I must pay a $300 cancellation fee. This cancellation fee was not in their order agreement when I was considering the product last month, but it is there now - my fault for not re-checking.
I don't mind losing the first payment of $97 but I do not want to lose $300. How should I go about cancelling this?
As I understand, I can contact my credit card company and request a block on the CPA. Then contact the retailer and cancel my membership.
Do distance seller regulations apply for cancellations within a 14 days cooling-off period? I only made the payment yesterday.
Will I be liable for the $300 cancellation fee? How would the retailer go about reclaiming this from me? I'm in the UK and the company (In reality, I think it is a one man operation with very basic/vague T+C's) is US based.
All the order agreement says, with reference to refunds, "email us within 14 days and we will refund your purchase price minus a cancellation fee of $300".
After gaining access to the course, I discovered it was very poor and does not live up the the promises.
I want to cancel, what is presumably a continuous payment authority (CPA) agreement, however their order agreement states that I must pay a $300 cancellation fee. This cancellation fee was not in their order agreement when I was considering the product last month, but it is there now - my fault for not re-checking.
I don't mind losing the first payment of $97 but I do not want to lose $300. How should I go about cancelling this?
As I understand, I can contact my credit card company and request a block on the CPA. Then contact the retailer and cancel my membership.
Do distance seller regulations apply for cancellations within a 14 days cooling-off period? I only made the payment yesterday.
Will I be liable for the $300 cancellation fee? How would the retailer go about reclaiming this from me? I'm in the UK and the company (In reality, I think it is a one man operation with very basic/vague T+C's) is US based.
All the order agreement says, with reference to refunds, "email us within 14 days and we will refund your purchase price minus a cancellation fee of $300".
Distance selling regulations won't apply since it's a US company.
If the course is so poor then I'd be claiming a full refund as the service is not as described. Firstly email the company and complain and request a refund of your $97 and confirm that the $300 is not due. If they refuse then call your credit card company and initiate a chargeback. If the US company is stubborn they may charge every other payment and you will need to dispute each one.
If the course is so poor then I'd be claiming a full refund as the service is not as described. Firstly email the company and complain and request a refund of your $97 and confirm that the $300 is not due. If they refuse then call your credit card company and initiate a chargeback. If the US company is stubborn they may charge every other payment and you will need to dispute each one.
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