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Sorry but you are wrong Look at any direct debit contract and you will find something along the lines. You can cancel a direct debit at any time. However, make sure you inform the person or company that receives the payment before you do, as you could incur fees or penalties for non-payment of...

Try cancelling your mobile phone or broadband contract and you will find that they would still charge the length of the contract. People have to understand that the enter into a contract and yes circumstances change, but this is a loan by the club and to honest I think you are very lucky to get...

Because one is used to pay for holidays and ST up front and then not used, much like a loan. The advantage is that the bulk of it is cleared by October, keeping my winter costs down.

I have never had to apply for a new credit card for 5 years. I have 2, one I pay off in full every month and one that I get on interest free credit for 12 months. When the 12 months is up I go to cancel and they always offer me a new deal. My income is erratic and there are certain months where...

I get where you are coming from.