Money admin guides
Short, plain-language guides for the UK problems people bring to Feoh most often. Each one links to the official guidance it is based on.
Charged after cancelling a subscription? What to do in the UK
Being charged after you cancelled usually comes down to two different things being mixed up: ending the subscription or contract, and stopping the recurring card payment that pays for it.
Read guideHow to cancel a recurring card payment in the UK
A recurring card payment (sometimes called a continuous payment authority) is money taken from your debit or credit card on a repeating basis. Subscriptions use them, but so do some insurance premiums, memberships and instalment plans. You can ask for the payment to be stopped, and you don't have to wait for the company to agree first.
Read guideRefund not received? What to do next in the UK
Most missing refunds are sorted by chasing the business with the right details to hand. If that doesn't work, your card provider may be the next step.
Read guideHow to cancel a phone, broadband or TV contract in the UK
With phone, broadband and TV, the contract and the provider's own terms decide what happens when you cancel. Start there rather than with a general rule.
Read guideMy broadband bill has gone up. What can I do?
Start by checking whether the increase was already part of the contract you agreed to. That usually decides whether you can leave without an exit fee or whether the better move is to negotiate, wait for the minimum term to end, or compare alternatives.
Read guideMy mobile contract is ending. What should I do?
When your mobile contract ends, the best next step depends on whether you are still in contract, whether your handset is paid off, and whether you are happy with your current deal. Start with the facts rather than a sales pitch.
Read guideWhy has my subscription price increased?
A subscription price usually rises for one of a small number of reasons: an introductory or promotional rate has ended, the provider has applied a scheduled annual increase written into the terms, you have moved onto a different plan or tier, or tax and add-ons have changed. Working out which one applies to you decides what you can do next.
Read guideHow to find out what a mystery card payment is
Most unrecognised card payments turn out to be something ordinary with an unhelpful name attached: a parent company, a payment processor, an app store, or a trading name you have never seen. Work through the identifiable causes first, and treat fraud as the conclusion rather than the starting point.
Read guideHow to cancel a subscription that won't let you cancel
When a provider makes cancelling difficult, the answer is rarely to keep clicking. It is to create a clear, dated, written record that you asked to cancel, send it somewhere they cannot ignore, and then deal with the payment separately.
Read guideForgotten subscriptions: how to find them
Forgotten subscriptions are rarely hidden. They are simply small, regular and unremarkable, so they stop registering. A systematic sweep of four places usually finds almost all of them in under an hour.
Read guideHow to dispute an unknown recurring payment
Disputing a repeating payment has two halves: stopping any further money leaving, and getting back what has already gone. Which route applies depends on whether it is a recurring card payment or a Direct Debit, so identify that first.
Read guideSubscription cancellation rights in the UK
Cancellation rights in the UK come from a mix of consumer law, sector rules and the contract you agreed to. This page explains the general shape of it so you know what to look for, but it is information rather than legal advice, and your own terms matter.
Read guideFeoh is an admin tool, not legal or financial advice.