In December 2010 I purchased RAC cover for my daughter's Mini – but at no point was I informed there would be automatic renewal. A few weeks into the policy we contacted RAC to cancel it as the insured car had been towed to a garage and was being repaired and then sold, and we therefore no longer needed cover. I was told I could not cancel the policy as I had used the service, which I accepted as fair enough.

A year on and have I have just discovered from my credit card bill that the policy has been automatically renewed, and I have been charged £82 again. It has emerged that a renewal was sent to daughter's previous address – and did not appear on my credit card statement until the following month. The RAC has refused a refund because we are outside the 14-day cooling-off period. I am adamant I did not agree in writing or verbally to automatic renewal. WM, Durham

Guardian Money has repeatedly warned about handing over your credit card number to recovery services, as they love putting through automatic renewals. This is a favourite of the AA too. We sent your letter to the RAC and it moved very quickly. Within the day it had refunded you the £82. It said the fact that your daughter had moved, meant the renewal had gone to the wrong place. It now accepts you should not have had the policy renewed.

We welcome letters but cannot answer individually. Email us at consumer.champions@theguardian.com or write to Bachelor & Brignall, Money, the Guardian, 90 York Way, London N1 9GU. Please include a daytime phone number