Stop payments for a subscription you cancelled

Use this if a company keeps taking payments from your card after you cancelled.

Last updated: 21 July 2026

Copy the letter below and replace the parts in brackets with your details. Then send it. Turn on JavaScript to fill it in here instead.

[Your name]

[Company name]
[today’s date]

Re: unauthorised payments after cancellation, account [account reference]

Dear [Company name],

I cancelled my subscription on [the date you cancelled], [how you cancelled]. The contract between us ended on that date, so no further payment is due.

You have taken payments from my card since then. I withdraw my consent to any further payment. I am also instructing my bank to cancel the payment authority.

Under the Payment Services Regulations 2017, a payment taken after I withdraw my consent is an unauthorised transaction. My bank must refund an unauthorised transaction under regulation 76.

Please:
- Stop all payments from my card now.
- Refund every payment taken since [the date you cancelled], and any charge these payments caused.
- Confirm in writing within 14 days that you have done both.

Yours faithfully,
[Your name]

Tell your bank to stop the payments

Tell your bank to stop the payments, not only the company. Under FCA rules, your bank must stop them once you ask. Ask at least one business day before the next payment is due.

Under the Payment Services Regulations 2017, a payment taken after you withdraw your consent is an unauthorised transaction. Your bank must refund that payment, and any charge it caused, by the end of the next business day (regulation 76).

Keep proof that you cancelled

Keep the email, screenshot, or reference number that shows the date you cancelled. It proves you cancelled before the company took the payments.

This letter explains your rights in general terms. It is not legal advice for your own situation.

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