Subscription Cancellation and Refund Demand
Letter cancelling a rolling subscription or membership and demanding repayment of amounts charged without adequate notice, relying on unfair terms provisions of the Consumer Rights Act 2015.
When to use this template
Use this letter when you wish to cancel a subscription or rolling contract and the trader has not provided adequate notice of renewal, has imposed a continuous payment authority without clear consent, or has continued charging after you gave notice. The Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 protect consumers from hidden charges and unfair auto-renewal terms.
When NOT to use this template
This letter covers consumer subscriptions with traders. It does not cover business-to-business contracts. Do not use it if you are within a fixed minimum term and no cancellation right has arisen — check your contract first. If the subscription is to a financial product (insurance, investment), regulatory complaints routes via the FCA or FOS may be more appropriate.
Legal Basis
Consumer Rights Act 2015, s.62 (unfair terms), Schedule 2, Part 1 (indicative list of unfair terms including disproportionate auto-renewal); Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 (SI 2013/3134), regs 27–38 (cancellation rights for distance contracts); Payment Services Regulations 2017 — right to cancel a continuous payment authority at any time.
Common Mistakes to Avoid
- ✗Not cancelling the continuous payment authority (CPA) with your bank at the same time as writing to the trader — your bank must cancel a CPA on request
- ✗Missing the cancellation deadline specified in the contract — read the terms carefully before writing
- ✗Not keeping evidence of your cancellation — send by email with read receipt or recorded post
- ✗Assuming a subscription automatically ends when you stop paying — arrears can be referred to debt collectors
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Letter preview
[YOUR FULL NAME] [YOUR ADDRESS] [YOUR EMAIL ADDRESS] [DATE OF LETTER] Customer Services [COMPANY / SUBSCRIPTION PROVIDER NAME] [COMPANY ADDRESS] Account / Membership Reference: [ACCOUNT OR MEMBERSHIP REFERENCE NUMBER] --- Dear Sir or Madam, **NOTICE OF CANCELLATION AND DEMAND FOR REFUND** I am writing to give notice of the cancellation of my subscription / membership with [COMPANY / SUBSCRIPTION PROVIDER NAME], and to demand repayment of amounts charged without lawful basis. **My Subscription** Account / membership number: [ACCOUNT OR MEMBERSHIP REFERENCE NUMBER] Original start date: [DATE SUBSCRIPTION STARTED] Amount charged: £[AMOUNT CHARGED PER PERIOD (£)] per [BILLING PERIOD] **Notice of Cancellation** I hereby give notice, with immediate effect (or from the end of the current billing period where applicable), that I am cancelling my subscription. Please confirm cancellation in writing within 7 days. **Disputed Charges** The following charges have been applied to my account without my clear, informed consent / after I gave notice of cancellation / as a result of an auto-renewal I was not adequately notified of: [DESCRIPTION OF THE DISPUTED CHARGES] Total disputed: £[TOTAL DISPUTED AMOUNT (£)]. Under Schedule 2 of the Consumer Rights Act 2015, a term that automatically extends or renews a contract for a disproportionately long period, or without adequate notice to the consumer, may be unfair and therefore not binding. Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, I was entitled to be clearly informed of the renewal terms. **Continuous Payment Authority** I hereby withdraw my authorisation for any further payments to be taken from my card or account under any continuous payment authority. I have also notified my bank to cancel this authority. **My Requirements** I require you to: 1. Confirm cancellation of my subscription in writing. 2. Refund the sum of £[TOTAL DISPUTED AMOUNT (£)] within 14 days. 3. Confirm that no further charges will be applied to my account. If you do not refund the disputed amount within 14 days, I will raise a chargeback with my bank and/or refer the matter to the relevant ombudsman scheme. Yours faithfully, [YOUR FULL NAME]
Unfilled fields appear as [FIELD NAME]. Review the letter carefully before sending. This template is a starting point — adapt it to your specific circumstances.