As someone said earlier in the post quite a few companies only go off the first 12 digits of the card. This is so when your card is reissued, whether lost, stolen, damaged or just time for a new one, and the last 2,3, or 4 numbers change it means you dont have to start contacting each company to give your new card number meaning no future payments are missed. This is good when you are happy paying but not when wanting to cancel.
Govt has introduced a £273 flat fee
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