Booked an afternoon tea earlier this year, you have to add your card details to the booking and if you don’t turn up or cancel less then 24h before then you get charged £20PP (x 4 people is a lot!). Now can’t go due to finances
I haven’t been able to get through for the last 5 days to cancel or found an email address. I meant to try any means to contact them today and just forgot. I’ve left a message on their answerphone (which hasn’t been available when I’ve tried before!) but it’s barely 12h before the booking
If I cancel the card, would they still be able to charge me somehow?! I absolutely cannot afford to lose this money
If they have that policy in place and you have provided card details then you've already given them permission to take it.
I know you need to cancel for financial reasons, but they also need to keep the money for financial reasons and likely can't fill your space on such short notice. You might get lucky if they can fill the space and it's an indie cafe with a nice owner though so it's still worth a call when they open!
Yes they can still take the payment even if you can the card now. The card was valid at the time of receiving the details therefore the payment will still go through (that was how it worked 6 years ago when I worked in a bank).
The bank are unable to cancel debit card payments, they will direct you back to the company. The only thing they can do is raise a dispute for you only once the payment has debited your account. However in this circumstance they are unlikely too.