Touchnote just wiped out 25 credits I had paid for. Watch these people - they are tricky... I won't say I was swindled as that would be technically wrong no doubt, as I am sure they hide (sorry provide) their cancellation policy in their regularly revised 'small print'. Trouble is - this is not obvious when you buy. So after I had bought credits (always open ended purchases, after all I had paid for them - they have my money) they introduced a 'premium' membership. Really just a way to get you to spend monthly... I signed up for this for the free six months on offer as they said the credits I held (which I have been buying in advance for years btw) would be lost if I didn't. So today I find the 25 credits have gone. It's all over, like a bad affair. Don't go near these people. What was at the beginning a great business and service is now a shell of its former self. PS they will say they warned me my credits would go. but they made this policy up after purchase. Why not offer me a refund you might ask? No. there will be lots of people like me. They'd much rather keep the money. Tricky people these.