They start off with a one time charge annual fee 19.95 than 11 months later slip it in at 23.95 and keep chaeging it every month

When I purchased the My Life program my informations was given to MVQS*SAVINGSACE and I was billed $19.95 per month for their services which I know nothing about. When I called today to investigate I was told it was something that was part of the MY LIFE sign up and if I did not call to cancel after 3 months I got billed. They cancelled my membership but refused to refund the $19.95 that was billed to my charge card 2 days ago, which was a Sunday. I do not find anything in the MY LIFE agreement that names MVQ, it only refers to 3rd party advertising but no names. I believe this is a HUGH rip off scam. Consumers Beware!!!