You&#x27;re trying to claim fees for services not rendered for a pre-paid monthly service are rightfully yours (again without addressing the email) because you&#x27;ve made a claim in a ToS.<p>And you think that&#x27;d stand up in small claims. I&#x27;d like to be a fly on the wall when that gets tested. ;-) And the collection agency willing to sign on as a co-defendant? That better be some monthly subscription fee.<p>Also, there&#x27;s no way you win a chargeback claim in this case:
<a href="https:&#x2F;&#x2F;www.fdic.gov&#x2F;consumers&#x2F;consumer&#x2F;news&#x2F;cnwin1213&#x2F;stoppayment.html" rel="nofollow">https:&#x2F;&#x2F;www.fdic.gov&#x2F;consumers&#x2F;consumer&#x2F;news&#x2F;cnwin1213&#x2F;stopp...</a><p>You&#x27;re going to have a rough time explaining why you thought you were within your rights to ignore her cancellation notice. Do you also think your ToS would allow you to ignore certified mail? You might want to talk to an actual lawyer.