Will this company be able to charge my card? SO stressed

[unofpr]

A company I was in a contract with for a year, and specifically said I did NOT want automatic renewal, has written to me saying they have renewed the contract and will take 800 quid from the credit card used previously within the next 10 days. I have called the company and said I opted for non renewal and they have to ‘investigate’ this before they can end the contract. They’ve said they will refund it if it’s found that it’s taken out in error and they cannot cancel the payment until they have looked into it. I have then called my credit card company and they said they couldn’t block the payment being taken as it’s not a contract payment that can be cancelled, but they have said that the company that has my old card details on file won’t be able to take the money because I have had a new card issued since they took the first year payment. They’ve said this is lucky really as it will stop the credit card going over the limit. Is this correct? Will the company be unable to take the money? I am so stressed about this.

If they don't have the correct card details they can't take the money.

I think they shouldn't be able to take the money. I know when I've had auto renewals on things like Netflix, if my card has changed I get a message saying we're been unable to charge your card. Your CC company should know, and they've said it can't be charged, so hopefully that's correct.

If the credit card company say it's the old card details then they shouldn't be able to take anything but if you are still unsure you could ask them to cancel your current card and ask them to issue you with a new one.

I'm not so sure because I've still had subscriptions taken on a brand new credit card. I've had to go and cancel them individually at source. That's on a visa. Maybe it depends what type of credit card it is?

Just googled and came up with this

Did you give them credit card details to take a DD though, or just your regular account details? I'm sure all my DD's come from a bank account like a savings one, not a credit card.

I had someone hack into an account which was buy now pay later and make a pay in 3 payment, I hadn’t used the account for over 3 if not more years! That bank card was no longer used! It still went through.. so don’t rely on the card changing

I paid on a credit card last year. I was very clear that I did not want it renewed. They said that was fine.

I have since been issued a new card as the old one happened to expire a few months ago. The screenshot posted above has worried me though.

Yes they can. It's something called a "token system" which means that if they claim it's a subscription then they can move onto any subsequent cards.
I'm in an argument with Visa and my bank to say this needs to be an opt in service and also it needs to be publicised.
Both of them say it's the other one that has made that decision and it's nothing to do with them.

I don't want to scare you. Just that I've had the same - much smaller amounts though. I thought easiest thing to do would be to cancel and get a new card, but I still got charged on the new card. This was maybe 2 years ago? So fairly recently. It can be a massive pain to cancel credit card recurring payments - harder than cancelling direct debits - which is why I won't sign up to them anymore.

I think you will find that the credit card number is the same so yes they can even if it’s a ‘new’ card

Just called the bank again and they’ve said it wouldn’t go through anyway as there’s no enough credit on there for that amount. They said last year was a one off payment so the company can’t take it as a subscription. Honestly can’t believe they’ve written to me saying they’re taking it… so flaming mad.

Can you transfer the CC balance to a new account and close the current one?

Name and shame them

That's a relief! Sorry if I scared you, but forewarned is forearmed sometimes.

I’m 99% sure it can still come off your new card. I didn’t have to update any of my subscriptions on my new card this month now I think about it.

I was scammed about 10 years ago.

Everytime they took money from my credit card, they took it from under a brand new company name so although I blocked the company name, they still managed to take money from me.

When I spoke to NatWest about how I could stop them, I suggested reporting ny card as stolen and getting them to issue me a new card.
I was told that this would not stop them.

The only way I could stop them constantly taking me over my limit and therefore incurring charges was to pay off the whole card and close it down.

I know this is probably not what you want to hear but this was my experience.

Me too