Hi, I signed up with Cardsave in March 2012 and never once used their service so in December I called them to pay my last quarterly payment early and end the contract. They took the payment over the phone and the advisor told me that all I needed to do now was cancel the direct debit. Regardless, the next day I send a letter anyway. I posted it around 22nd December. March 2013 comes around and Cardsave start chasing me for quarterly fees. I rang them and said that I had cancelled the account as far as I was concerned and they said someone would call back. Nobody called back and the letters kept coming, so I wrote to them instead, telling them I had cancelled the contract and it shouldnt have renewed. They eventually rang and said they will need to charge me termination fees as well as the rest of the year's worth of quarterly payments! They said they had never received my cancellation letter. I wrote to them (this time via recorded delivery) with a copy of the letter (I take copies because I know what these companies are like) and also stated that regardless of whether I had sent a letter, I was TOLD that the account was now closed anyway. I have today received a more official sounding letter with a copy of my contract signed in March 2012, asking for £240 and call it quits or they will seek further action and claim the £550 something they say I owe them. I have never used their terminal or any of their services. As far as I was concerned the contract was over. What are my options here when they claim they never received the cancellation letter? Thanks, Mark

My apologies if this appears in the wrong place which I think it is, but I am new and when I tried to post in the Bank sector I was messaged 'This forum is not accepting new posts!' I have a Cardsave Merchant Services online facility which I have never used. I have been paying £24/month. I knew I was in a 12 month contract, so waited until twelve months were up then cancelled my contract. I am then told by the cancellations department that I needed to cancel before the end of 12 months giving 30 days notice otherwise the contract rolls over into another 12 months. I therefore needed to cancel in month 23, or it would roll over again! I am therefore to be charged £150 cancellation fee plus a further 12 months at £24/month. £438! Nice little earner! 1) Is this even lawful? 2) Does anyone have any suggestions on how to deal with this one?