After being on hold for an hour, I managed a credit on the account for the full amount - after allot of complaining and arguing. The person on the other end was so condesending telling me that I should have known thats what I was signing. i have gone back through everything I have, contract here at home and read the terms and conditions and the SOFA on the website and still cannot find it anywhere where this is written.
Appletree - the thought has crossed my mind and should it happen again I will be.