Managed to get a refund. Please feel free to adapt the email I sent. Good luck: Dear Sir or madam I was dismayed to find this morning on my credit card statement that I had been charged £47.99 for an annual silver membership with Touchnote. It was not possible to cancel the subscription on the app on my phone. As many others have stated in online reviews, this lack of functionality in the app makes it easy for you to take money for unwanted subscriptions as it relies on people going on to a computer to cancel membership; an option that not everyone has. In these difficult times I am sure that you are doing very well as a company, getting people to sign up to send a card or two to a loved one and then taking £47.99 off them shortly afterwards. I have used touchnote in the past and just bought one postcard at a time. This is no longer seems to be an option and the pretence is given that the service is £3.99 per month if you don't cancel, whereas actually you take 12 months' payments in one hit after just a fortnight. I am sure many people, like me, thought they might keep it going at £3.99 per month whilst we are all in lockdown. This annual charge is wilfully misleading and causing additional financial pressure on people at a time when they need it least. You may well have hidden this somewhere in the Ts and Cs but to quote a monthly price and then charge for 12 is immoral. At best, you should receive one month's fees from me of £3.99 as that is what I signed up for. Your approach to this is terrible and I feel like I have been defrauded of my money. I would like a refund, and suggest that you only charge people per month if you continue to quote a monthly fee as they sign up. Awaiting your swift response in the hope that I do not need to take this any further.