Why this answer
What actually matters
- Use the contractual cancellation route as well as stopping future payments.
- Keep a copy of the cancellation notice and confirmation.
- Dispute any unfair barrier or term separately.
- Do not assume bank action tells the trader the contract ended.
Important nuance
When the statement may have a point
- A trader may accept Direct Debit cancellation as notice in practice.
- Invalid post-cancellation collections can still be challenged with the bank.
What you could say
Keep the response tied to the actual rule.
Evidence
What to have beside you
- Sign-up journey, order confirmation and terms supplied
- Trial, renewal and price-change notices
- Screenshots or recordings of the cancellation route
- Payment history and cancellation confirmation
If they still refuse
Move the dispute forward.
- Give clear cancellation notice through a provable channel and identify any disputed renewal or service failure.
- Separate cancelling the payment method from ending the underlying contract.
- Use the trader complaint process, platform dispute route, payment protection or court action as appropriate.
Read the full rules
Go deeper before escalating.
Official sources