Do not take out a subscription with The Times unless you have the time to regularly check your bank statements to look for unauthorised payments and refunds that fail to materialise. Also not a good idea to subscribe unless you are happy to have regular letters through the post stating that your payment method needs updating when it does not. Likewise, not ideal to find that your subscription has been cancelled despite payment being levied. Then of course, you need to have the free time to make repeated calls to the billing department who will assure you that refunds are being processed when in fact they are not. All operatives will proffer polite apologies, professing mystification at the failings which they cannot explain - it's a mystery to me that they can afford to employ so many different people, none of whom have ever encountered this sort of issue on previous phone calls!