Last month we signed up for a family membership with the national trust at one of those stands that you sometimes see at various events. The national trust man sold the deal to us as being £100 for annual membership, paid in 10 x £10 monthly direct debits.
On checking my online banking this morning, I notice that they've taken the whole £100 in one go so I called them up to be told I'd actually been signed up for £100 automatic renewal annual membership. (On checking the paperwork, I realise that stupidly I had taken the man on his word and not noticed that he had actually ticked the wrong box - stupid me, I know!! 
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I can have my £100 back in 28 days if I cancel the membership now and start a new membership on monthly DD. Other than that, nothing can be done, lady on the phone was very sorry....
I'm really annoyed! At £10 per month, it was a luxury we could afford and money we wouldn't miss. This £100 payment was not expected and is now going to leave us short of money this month. There's no point in cancelling it as by the time we get the money back, we'll have been paid again and have already have cut the corners we're going to have to cut in order to compensate for being £100 short this month, iyswim? AIBU to be really annoyed about this? I don't understand why when they can take money off us so quickly, it takes 28 days to be returned!!