You call the company that shammed you. You write down name's, times, dates. You tell them you were misled, and want a refund.
If they refuse, then you explain that you will either get a refund from them or through your bank. At this point, some fold, some don't.
If they refuse, you call your bank. They do a chargeback, and send you a form. You take time to write out your complaint, and story with times, and dates. Send it back to them w/i the 10 or 14 days they specify.
End of problem.
However, the company could come after you on your credit report. Claiming that you agreed to this. I've heard of some companies doing it to get you to fold if your credit's important to you.
That's typically not the case in a true sham, as that involves the "law". But it is an option they have all the same.
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Should You Email Your Members?
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Enough Said. 
"Would you rather live like a king for a year or like a prince forever?"
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