Charged After Cancelling

Fair Credit Billing Act (credit cards) and ROSCA (recurring/negative-option charges generally)

FCBA dispute window

Send a written dispute notice no later than 60 days after the credit card company sent the statement where the error (the post-cancellation charge) first appeared; the issuer then has 30 days to acknowledge and up to two billing cycles to investigate, and the disputed amount doesn't have to be paid while under investigation.

ROSCA

ROSCA requires sellers running recurring/negative-option plans to provide a simple cancellation mechanism; a charge made after a valid cancellation is itself evidence of a ROSCA violation, reportable to the FTC.

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Section 75 of the Consumer Credit Act 1974 / chargeback, plus the right to withdraw consent for a continuous payment authority (CPA) under the Payment Services Regulations 2017

CPA cancellation right

Regulation 67 of the Payment Services Regulations 2017: "The payer may withdraw its consent to the execution of a series of payment transactions at any time with the effect that any future payment transactions are not regarded as authorised." In practice, a consumer can cancel a recurring card payment/CPA directly with their own bank or card issuer at any time, regardless of what the merchant says, and the bank must act on it; charges taken after that withdrawal are treated as unauthorised transactions (subject to the same next-business-day refund duty confirmed for unauthorized-transaction.UK in claims-batch1-money.json).

Section 75 chargeback

For card purchases over £100 up to £30,000, Section 75 joint liability may also apply; for other amounts, or debit cards, chargeback (120-day window) is the route — see the figures already verified in the 'chargeback' claim.

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