Everything Kibbo has for a subscription or service problem — in one place

3 generators, 6 templates, 9 free checklists, 9 directory sections, and 20 guides — covering the US, UK, EU, and Australia, all indexed here.

Start here

The two situations most people land on this page for — go straight to the right sequence.

Tools by type

Every generator, template and checklist Kibbo has built for subscriptions and services, grouped by what it actually does.

Generators (3)

Answer a few questions, get a formal letter — a cancellation, a billing dispute, or a complaint escalation.

Generator · $4.60

Subscription & Service Cancellation Generator

A firm cancellation letter for an ongoing subscription, a free trial, or a fixed-term service contract — with a clear cancellation date on record.

$4.60 per letter Open tool →
Generator · $4.60

Subscription & Service Billing Dispute Generator

A firm dispute for a post-cancellation charge, a price increase without proper notice, a duplicate/incorrect charge, or an unwanted renewal.

$4.60 per letter Open tool →
Generator · $4.60

Service Complaint & Escalation Generator

A formal complaint for a defective, incomplete, or misrepresented service — or an escalation of a complaint that already went nowhere.

$4.60 per letter Open tool →

Templates (6)

Paid, downloadable — for building the evidence a cancellation, a billing dispute, or an escalation actually needs.

Template · $5.90

Service Cancellation & Refund Evidence Pack

Organize a subscription cancellation and refund claim in one place — service details, cancellation log, cancellation-window payments, refund tracking, communications, and an evidence checklist. PDF + Word.

Template · $5.90

Service Complaint & Escalation Evidence Log

Document an ongoing dispute with any subscription or service provider — communications timeline, promises and deadlines, a multi-stage escalation tracker, and an evidence checklist. PDF + Word.

Template · $5.90

Subscription Billing & Payment Audit Workbook

Audit exactly what a single subscription has charged you over time — auto-calculating discrepancy column, a price-change notice log, and an auto-calculated summary of total discrepancies. Excel.

Template · $5.90

Subscription & Service Contract Comparison Workbook

Compare up to 4 services side by side before signing up — real effective price, renewal terms, cancellation method and notice period, exclusions, hidden fees, and a red-flags checklist. Excel.

Template · $5.90

Recurring Payments & Ghost Subscription Tracker

Build a full inventory of every recurring payment leaving your account — auto-calculated annual cost per subscription, usage tracking, and a summary of total annual recurring spend and cancellation candidates. Excel.

Template · $5.90

Free Trial & Introductory Offer Tracker

Track every free trial and introductory offer so none silently converts to a paid charge — start date, promo vs. conversion price, cancel-by date, reminder tracking, and a resolved-trials log. PDF.

Checklists (9)

Free, interactive — before you sign up, cancel, or complain, and what to check if a charge already went wrong.

Checklist

Subscription Before You Buy Checklist

Check the real price, auto-renewal terms, commitment, and what's actually included before you subscribe.

⏱ 8 min✓ 14 checksStart →
Checklist

Free Trial Safety Checklist

Track a free trial's conversion date, confirm the cancellation method in advance, and cancel with proof.

⏱ 5 min✓ 10 checksStart →
Checklist

Subscription Cancellation Checklist

Cancel the right way — the correct method, written confirmation, and checking it actually took effect.

⏱ 6 min✓ 11 checksStart →
Checklist

Unexpected Subscription Charge Checklist

Identify a charge you don't recognize and work out whether it's a forgotten trial, a family member's purchase, or genuine fraud.

⏱ 7 min✓ 12 checksStart →
Checklist

Post-Cancellation Charge Checklist

Charged after a confirmed cancellation? Confirm your cancellation, document the charge, and get it refunded.

⏱ 7 min✓ 12 checksStart →
Checklist

Subscription Price Increase Checklist

Check the notice you received, confirm the numbers, and know your cancellation rights before it takes effect.

⏱ 6 min✓ 12 checksStart →
Checklist

Subscription Refund Checklist

Check your eligibility, gather your evidence, and make a specific, well-supported refund request.

⏱ 7 min✓ 13 checksStart →
Checklist

Service Contract Before Signing Checklist

Check the total cost, renewal terms, exit penalties, and what's actually included before you sign.

⏱ 9 min✓ 12 checksStart →
Checklist

Service Complaint Preparation Checklist

Gather your evidence, document the impact, and define what you want before you send a complaint.

⏱ 8 min✓ 12 checksStart →

Directory, grouped

A quick preview of what's in each section of the full Subscriptions & Services directory — expand a section or click through to see every entry.

Consumer Protection & Complaints 7 resources

The general consumer protection authorities — not a subscription-specific regulator (Section 2) or a sector-specific body (Sections 5-7).

See all Consumer Protection & Complaints →
Subscription & Contract Regulators 5 resources

Bodies and laws specifically focused on subscription, negative-option, and recurring-contract practices — distinct from the general consumer protection authorities above.

See all Subscription & Contract Regulators →
Subscription & Service Provider Verification 4 resources

Checking whether a subscription or service provider is a genuine, registered business — not a complaint route (Section 1) or a contract-specific regulator (Section 2).

See all Subscription & Service Provider Verification →
Payments & Recurring Billing 5 resources

The regulators and consumer protections specifically governing how a recurring payment is processed and disputed — distinct from the general consumer bodies in Section 1.

See all Payments & Recurring Billing →
Telecom, Internet & Digital Services 4 resources

The sector-specific regulators for telecom, broadband, and mobile subscriptions.

See all Telecom, Internet & Digital Services →
Streaming, Software & Digital Subscriptions 4 resources

Enforcement and platform-level dispute routes specific to digital/app-based subscriptions — distinct from the general regulators in Section 1.

See all Streaming, Software & Digital Subscriptions →
Fitness, Gyms & Membership Services 4 resources

General bodies with a specific track record on gym/fitness membership disputes, plus the one dedicated UK ADR route found for this sector.

See all Fitness, Gyms & Membership Services →
Travel, Hospitality & Other Recurring Services 2 resources

General travel/hospitality regulator content is already covered in the Flights & Travel and Food & Hospitality directories and isn't repeated here. This section covers only recurring/membership-specific travel products — holiday clubs and long-term holiday products — genuinely distinct from a standard package holiday.

See all Travel, Hospitality & Other Recurring Services →
Laws & Official Consumer Guidance 6 resources

The core legal text and official rulemaking status underlying the sections above — distinct from the regulators and bodies themselves.

See all Laws & Official Consumer Guidance →

Guides, by region

20 in-depth guides — kept separate by jurisdiction, never merged, since subscription and cancellation rules differ sharply by region.

The Free Trial Trap: How a $0 Offer Turns Into a Recurring Bill

You signed up for a free trial. Weeks later, a charge appears you don't remember agreeing to. What US law actually requires before that happens, and how to fight back.

Click to Subscribe, Call to Cancel: Are Companies Still Allowed to Make Cancellation This Difficult?

Signing up took one click. Cancelling means a phone call, a hold queue and a retention pitch. Here's what US rules actually say about that imbalance — and what's still just proposed.

The Subscription Price Increase You Didn't Notice: What Happens When Your $9.99 Plan Becomes $19.99

A subscription price doubled and you never saw a clear warning. How to check whether the increase was properly disclosed — and what to do if it wasn't.

The $35 Million Subscription Warning: What the Shutterstock Case Tells Consumers About Cancellation Traps

A major enforcement case shows regulators are actively targeting subscription cancellation traps. What it means for anyone stuck in a hard-to-cancel plan.

The Subscription You Thought You Cancelled: What to Do When the Charges Keep Coming

You cancelled. The charges didn't stop. Building the evidence file that gets a disputed post-cancellation charge actually reversed.

The UK Subscription Trap: What Happens When Your Free Trial Automatically Becomes Paid?

A £0 trial turned into a recurring charge. What UK consumer contract rules say you should have been told first.

Can a UK Company Make You Give 3 Months' Notice to Cancel a Subscription?

A long notice period buried in the small print can be enforceable — or it can be an unfair term. Here's how to tell which applies to your contract.

The Subscription Renewal Nobody Warned You About: What UK Consumers Should Check

A subscription renewed at a higher price with no clear warning. What to check in the contract and notice history before accepting the new charge.

Your Gym Says You Can't Cancel: When a Membership Contract Becomes a Consumer Rights Problem

You've stopped going. The gym keeps charging you. Whether that's enforceable depends on the contract, the reason and whether the term is fair.

You Cancelled Your Broadband. Why Is the Provider Still Charging You?

Your internet service ended. The Direct Debit didn't. Separating a valid final bill from a payment that should never have been collected.

The EU Subscription Trap: What Happens When a Free Trial Turns Into a Paid Contract?

You clicked "try for free". The company says you agreed to months of payments. What the trader had to tell you first under EU law.

Can an EU Company Hide Automatic Renewal in the Small Print?

You didn't actively renew — the company says the contract renewed automatically because it was in the terms. Whether that clause is actually fair is a different question.

The Digital Subscription You Can't Cancel: What EU Consumers Should Do

The cancellation button was everywhere at sign-up. Now it's mysteriously disappeared. A new EU withdrawal function applies from June 19, 2026.

Your Streaming Service Raised the Price: What Should You Check Before Accepting It?

Netflix, a music service or an online platform increases your monthly price. What the contract, the notice and EU digital-content rules actually say.

The EU Subscription Cancellation File: Everything to Save Before You Dispute a Recurring Charge

The company says you never cancelled. You say you did. The winner may be whoever has the better evidence.

The Free Trial That Wasn't Free: Automatic Renewals and Subscription Traps in Australia

A $1 trial turned into a $45–75 monthly charge. Recent ACCC enforcement shows why the disclosure at sign-up matters so much.

You Cancelled the Subscription. The Company Charged You Anyway. What Now?

You have the cancellation email. The company has your money. Building the timeline that gets a disputed charge reversed.

The Price Changed Without You Expecting It: What Australian Consumers Should Check

Your subscription was $12.99. Now it's $19.99 — and the company says you agreed to it. What to check before accepting the new charge.

The Gym Membership Trap: Minimum Terms, Cancellation Fees and Recurring Payments in Australia

You stopped using the gym months ago. Your bank account didn't. What to check before assuming the charges must stop.

When a Service Provider Won't Cancel Your Contract: Building an Australian Consumer Complaint

You've asked three times to cancel. The company keeps billing you. Now you need to turn the mess into evidence.

Browse the full Directory → See all Checklists → See all Templates →