I want to try a chargeback to get a refund for my gym membership that I did not use, as the gym took a direct debit earlier than I expected them to.
The last payment was taken on the 29th Dec 16. The second one was taken on the 20th Jan 2017. This was earlier than I expected, as I wanted to cancel and join a different gym, but didn't manage to get round to it before the payment was taken.
The last time I used that gym was the 13th January 2017, and I rejoined on the 20th December, so I have used it for less than a month. Therefore I do not think I should have to pay for two months
If this chargeback failed then would it negatively affect my credit score? I'm trying to build it up so I don't want to have a negative on my file. I don't really know if taking a payment earlier than I expected counts as a valid reason for a chargeback.
Note: I have done this before with the same gym and have had a successful chargeback. This was a few months ago when I left the gym for personal reasons. They made an error and didn't cancel the membership so I paid for another month, so I did the chargeback. This was around September.