I never gave this company permission to charge me for whatever they are selling because I never even knew what they were selling to begin with. It wasn't even until after a few months of them charging to my credit card that I noticed I was being charged. I called them to cancel whatever membership I had with them and they said I had an outstanding balance of 30 some dollars. Just trying to get this behind me I paid the 30 dollars and received a cancelation number and moved on. Because I thought this was behind me I never really paid much attention to my credit card statement and transactions because I was using it a lot. I happened to look at my credit card transactions some months later and saw a 20 dollar transaction that went to Universal Buyers Club. I quickly called the company to confront them. They said that I was obligated to pay another $400. I said forget this and hung up the phone and had my credit card disconnected. Now they call my phone every day, throughout the day using unknown numbers and private numbers. I refuse to pay for a product that I never receive and that I have never even gave permission for in the first place.