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Cancel your recurring payments for free today.

Frustrated by how difficult it is to cancel subscriptions and other recurring payments? We've made it easy for you.

Have a repeated payment that's difficult to cancel? You're not alone.

Many of us will have had experiences of trying to cancel a subscription, and finding it really difficult. Stories of struggling to find where to cancel your account on a company's website or being on the phone to customer support for hours are far too common.

Many consumers don't know that the reason you can't just cancel some subscriptions and payments at your bank, like you can with standing orders or direct debits, is because these subscriptions actually use something called a 'Continuous Payment Authority' (CPA) to charge you.

The central issue with CPAs for consumers is that they allow a company to change the amount they take from your account without permission. Cancelling a CPA is also much more difficult than other types of payments, because you have to talk to the company yourself. Unfortunately, many companies make this process lengthy and time-consuming.

That's why we've made it easy for you - simply search for any company above and send them a request to delete your CPA for free.

What is a Continuous Payment Authority (CPA)?

A CPA is a type of regular payment made using your debit or credit card. CPAs are automatically renewed, making them easy to forget about.

As well as being difficult to cancel, there are two main problems with CPAs:

  • The service provider doesn't need your approval if it decides to raise the charge.
  • CPAs are often not clearly marked on bank statements, unlike direct debits and standing orders, so they're easy to miss.

The most common types of companies that use CPAs include:

Remember, the key to spotting CPAs or recurring payments is that company will ask for the long number across your credit or debit card, rather than your bank account number and sort code.

How can I cancel a CPA?

To cancel a CPA, you have to inform the company in question that you want to cancel it.

You can do this quickly and easily through Rightly, simply:

  1. 'Get Started' at the top of this page
  2. Search for the company in question
  3. Send them a request

The request automatically asks them to end any recurring payments you have with them.

We've already got thousands of companies in our system, so you can let them know you want to cancel without having to spend hours finding the right person to speak to.

If you can't find the company you're looking for, get in touch and we'll add it for you.

What if the company refuses to cancel my subscription?

Unless you've signed a contract, as is sometimes the case with gym subscriptions, a company can't just ignore your request to terminate your payments.

If this happens, you can contact your bank or credit card provider to cancel it. Remember, the Financial Conduct Authority has stated banks MUST cancel a continuous payment authority when asked. It also added that if further payments are taken in error after a customer asks for a cancellation, the bank must refund them.

Think a company has acted unfairly, and want to complain?

If you feel a company has acted unfairly, hasn't cancelled a CPA when asked or hasn't done enough to properly recompense you, it's best to speak to the Financial Ombudsman.

The Financial Ombudsman takes complaints about CPAs seriously, and state that they will look at the evidence to see whether:

  • the merchant got your agreement to set up the CPA
  • you clearly understood and agreed to the terms of the CPA (e.g. payment amounts and dates)

If the evidence shows that the merchant or company in question didn't get your informed agreement, the Ombudsman will consider the CPA to be unauthorised. If they do, you'll get your money back.

If you're unsure whether or not you have a case, or if Rightly can help, get in touch with our customer support team - we'd love to hear from you.

Why Rightly?

We’re free because our mission is to make data fairer, for everyone.

We don't use consumer data for commercial purposes, which means we'll never, ever sell your data. It also means that there are no adverts or hidden costs.

Keeping your data safe