Given wrong information on three occasions - no choice but to cancel - advised cust s ervice mgr and was told we would not be charged!!!!!

That is not what occurred. Seriously...your customer service person would tell us that "we could pay what we want." That make absolutely no sense at all. But if that is what you are saying they said - then we choose to pay zero. And then wny would you automatically TAKE it out of our account without our consent. Again, we are expecting you to credit us the $400 . Thank you