I was with touchline for several years; lately I received my renewal, and a new credit agreement to sign, (monthly payments) I did not sign this as I called to cancel on the 14th day (within the cooling off period). They fobbed me off on the phone and told me I had to pay £135 (that's more than my incurrence was for the whole year) total rip off, it seems to be run a bit like the car parking scams. how can they pursue me for that amount without me even signing an agreement. The whole system is carefully tailored to hold the customer hostage.
Although a lot of incurrence companies are charging cancelation fees, not all of them play fair with customers. And don't bother calling their premium number telephone lines to contest your excessive cancellation fee this is merely a way to get more money from you, while the most that can be done is log your complaint, for it to lay on their system as a general enquiry.