MindValley review: Unexpected auto renewal overdrew my account

MindValley took $399 from my account today, which overdrew my account and gives me overdraft charges to pay, but $399 less to pay them with. I am not using the service, and did not realize it was set up on auto-renew, so I contacted them same day (today).

This was their response: We deeply regret not being able to comply with your refund request on this occasion due to the order's refund policy already being expired. I'd like to let you know that after the first purchase date, our subscriptions come with a 15-day refund policy. The automatic renewal of your Membership subscription is non-refundable.

I do not accept this, and know that they have the ability, considering that I am on a pension now and can no longer afford this service.

In writing to MindValley, I told them that this is what I'd like as a resolution:

I realize that you can use your contract as a justification for keeping my funds, and yet, I hope you will be understanding and considerate that as customers, our needs change as we get older, and sometimes we cannot afford to continue.

Because I am now living on a pension, a fixed income, this is a luxury I can no longer afford.

I also cannot afford this unexpected auto-renewal that I want the refund for. I want a happy solution that helps me say good things about MindValley.

This is what I'm asking. Please let me know that:

1. I don't have to fight this, that you will be considerate of my financial circumstance.

2. The $399 will be refunded my account

3. I can use the refunded money to pay the overdraft charges.

I take responsibility and apologize for the inconvenience to you if I signed up for an auto renewal, but can no longer afford that luxury at this time and it is a huge inconvenience to me to handle the unexpected overdraft charges now.

I want to be able to say that I was able to cancel it easily, with no penalty, as soon as I discovered that I had unexpectedly been charged again.

Please let me know right away that the money has been refunded, so I can use it to pay the overdraft charges.