Subscription traps take place when you sign up online or on the phone for free or low-cost trials of products, only to find that you have been unwittingly locked into costly repeat payments. Typically, these products are slimming pills, health foods, pharmaceuticals and anti-ageing products but, increasingly, attractive consumer durable products such as the latest mobile phone are being featured.

The perpetrators of subscription traps exploit a ‘continuous payment authority’, normally by requesting your payment card details as proof of identity and age, then retaining those details to draw monthly payments from your account. Details of this ongoing commitment are generally buried in the terms & conditions and are missed by many people, eager instead to take advantage of the ‘fantastic offer’ being advertised.

If you’ve become the victim of this type of scam and would like to know the best ways to deal with it, contact your local Citizens Advice for assistance.