Okay, will do. Many thanks!

Hi @slick132 / @BankFodder, Apologies for only just getting round to responding - but better late than never, I figured. Just a short note to say thank you very much for your responses last year. I think your site is incredibly empowering and the effort that you and the team put in to educating consumers is just awesome. Keep up the great work! And purely as an FYI: As you predicted, I was contacted by ARC Europe shortly after your post, but after accidentally ignoring their email (due to covid distractions) they haven't chased since. If that does change, I

Hi all, Firstly, I'd just like to say how impressive this website and forum is. Thank you to all who have contributed! Now, to the problem - I'm having trouble with Bannatyne's. I signed up for a rolling 1-month contract in Summer '19, and received a 'Welcome' email with, among other things, confirmation of my direct debit and a hyperlink (not attachment) to T&Cs. In the direct debit section of the email, it states: "You have the right to cancel your Direct Debit at any time" I decided to cancel my membership in Nov '19 with