You can file a claim with your credit card company for a fraudulent charge and the credit card company will investigate and determine whether or not there was a valid contract
. Many times on a phone sale like this the credit card company will refund the sale. However, if they produce any actual written contract that you signed they will not refund the purchase. If there is no written contract, then even though the law says there is a 3 day right to cancel, most credit card companies will still cancel and then it is up to the company to try to sue you for breach of contract
which most all of them never will, but legally if they do and they prove that there was a contract with them and you canceled beyond the 72 hour legal cancellation period, they could win a claim against you.
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