HI STINKY Cheers for the reply. They cold called me a few years back and then again last year asking if i wanted to renew the cover for my sky box. As it always seems to breakdown and is no longer covered by sky on both occasions i said yes. But this year they didnt call and took the money out without my authority. I ve have never signed anything and have never verbally or in writing given them permission to take the money out without my say so . They say it states in the booklet they sent two years back that they would take the money out automatically. but to be honest cant remember what it said. I Rang them today and the bloke said i can take out a dispute and then wait and see but wasnt prepared to give me my money back over the phone. Question Are they not supposed to notify you each year that your contract is about to expire and offer you a new contract. I had nothing in writing from them for two years,the bloke reckons they dont have to send anything after the initial contract. Also is each years contract classed as a new contract or one continuous contract , would my situation still come under the distance selling regulations giving me time to cancel and get my money back if i wish to cancel before i have used the policy.

Sorry i forgot Heeeeelp:)

About twelve months ago using my debit card i paid for a years service agreement over the telephone with SATELLITE DIRECT UK. At the time I did not give permission to set up a Continuous Payment Authority and have signed no agreements. 4 days ago its seems they have taken the money out of my account again using my debit card number this time without my permission. They have sent me nothing asking for permission or even warning me of the transaction. Now i want my money back and as i have not signed any agreements i consider it to be fraud. Does my bank have to get my money back. Will the bank "Barclays" try to wiggle out of it. Can someone please tell me my legal rights. I would be grateful for any help Michael