Yep, been there, done that many times, its a pain in the ass. Getting any sort of refund from anyone is like getting blood from a stone. They hope to bore you to death with their adds and music, hoping you will give up and put the phone down, Anyone who ignores my notice to cancel anything now, RAC/AA/ Insurance, just about anything, I can just stop the direct debit sitting here. And I don't have anything to do with continuous card payment. Stopping payment of any kind soon gets things sorted, because they end up ringing you. I love it!!!! :0)