TSFF Holdings Limited Charge: Cancel, Refund, and Dispute

A charge from TSFF Holdings Limited on your bank or credit card statement is almost certainly a recurring subscription fee for one of several digital services this Cyprus-based company operates, most commonly a PDF editing tool (PDFAid, Chat PDFAid, or Howly Docs) or an expert Q&A site (Ask-Crew or AnyExperts). The charge usually traces back to a low-cost trial that converted into a monthly or annual subscription.1TSFF Holdings. TSFF Holdings Limited2Which?. Subscription Traps: Who Are Howly and JustAnswer

Which Service the Charge Came From

TSFF Holdings Limited is registered in Limassol, Cyprus, and appears as the merchant of record on the terms of service for several consumer-facing websites.3Companies Registry Cyprus. TSFF Holdings Limited Company Details The statement descriptor rarely tells you which product you signed up for, so check whether any of these look familiar:

If none of those names ring a bell, that’s consistent with what other customers report. The billing pattern begins with a small trial fee — commonly $1 or £1 — for a seven-day trial. If you don’t cancel inside that window, the account converts to a full subscription and bills every 28 days or every 365 days on the plan you selected. The terms authorize the company to charge your payment method on each renewal without further confirmation.4Chat PDFAid. Terms of Service5Howly Docs. Terms of Service

Reported subscription amounts vary by brand and country. Howly’s UK customer service confirmed to Which? that it charges a £1 trial followed by £24 per month. Howly Docs bills around $49 per month. Complaints logged with the Better Business Bureau against the Howly brand describe recurring monthly charges of $55 to $74 after an initial $1 fee.2Which?. Subscription Traps: Who Are Howly and JustAnswer6Better Business Bureau. Howly BBB Complaints

How to Cancel the Subscription

Cancel at least 24 hours before your current billing period ends, or the next charge will still go through.4Chat PDFAid. Terms of Service All of the TSFF Holdings products let you cancel from inside your account by opening My Account, then Membership, then Cancel Subscription. If you can’t find that option or don’t have login access, use the contact details for the specific brand.

For PDFAid and Chat PDFAid, email support@chat.pdfaid.com or call +1 (866) 686-1057. For billing questions, PDFAid also lists billing@pdfaid.com and a UK line at +44 (808) 501-2541.4Chat PDFAid. Terms of Service7PDFAid. Contact Us

For Howly Docs, email contact@howly.com or call +1 (866) 686-1057.5Howly Docs. Terms of Service

Ask for written confirmation that the subscription has been canceled and keep it. If you registered your account with a different email than the one you’re writing from, include the billing email and the last four digits of the card charged so support can locate the account.

Getting a Refund From the Company

Refund windows differ across TSFF Holdings’ brands. Chat PDFAid’s terms allow a refund request within 30 days of registration. Howly Docs allows only 7 days from registration. In both cases the company says it reserves the right to refuse refunds if it decides you violated its terms.4Chat PDFAid. Terms of Service5Howly Docs. Terms of Service

EU and EEA residents have additional withdrawal rights under European consumer law, though the terms note that accessing digital content may waive some of those rights.

In practice, people have had success getting refunds by contacting the company directly. The Howly brand, in its BBB responses, frequently confirmed full refunds for disputed amounts even though it isn’t BBB-accredited.6Better Business Bureau. Howly BBB Complaints

Disputing the Charge With Your Bank

If the company won’t refund you, or if you don’t recognize the charge at all, dispute it with your card issuer. Under the U.S. Fair Credit Billing Act, you have 60 days from the date the charge appeared on your statement to send a written dispute. Your issuer then has 30 days to acknowledge it and 90 days to resolve it. You aren’t required to pay the disputed amount during the investigation, and the issuer can’t report it as delinquent. Federal law also caps your liability for unauthorized charges at $50.8Federal Trade Commission. Using Credit Cards and Disputing Charges9Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill

When you file the dispute, include: the statement date and amount, the merchant name as it appears (TSFF Holdings Limited plus any brand descriptor), copies of any cancellation emails or screenshots, and a short explanation of why the charge is disputed (unauthorized, canceled subscription, undisclosed recurring billing). Ask the issuer to block future charges from the merchant. If the card is compromised or you keep seeing charges after cancellation, request a new card number.

How People End Up Subscribed Without Realizing It

This context matters because it affects how you frame a refund request or dispute. In September 2025, the UK consumer organization Which? published an investigation categorizing Howly and JustAnswer as “subscription traps.” Which? researchers found that consumers regularly believed they were contacting official support for brands like Aviva, BT, Apple, UPS, Epson, or Lyft after clicking on sponsored search-engine ads, and were routed to Howly or an affiliated site instead. When Which? tested the sites, AI chatbots ignored questions about the company’s identity and steered users toward payment pages. The investigation specifically named TSFF Holdings Limited as the business behind docs.howly.com, ask-crew.com, and anyexperts.com.2Which?. Subscription Traps: Who Are Howly and JustAnswer

The Better Business Bureau has logged 161 complaints against Howly over a three-year period, 126 of them classified as billing issues, following the same pattern: consumer searches for help with an unrelated company, pays $1 expecting one-time help, then finds a recurring monthly charge.6Better Business Bureau. Howly BBB Complaints If your situation fits that pattern, say so in writing when you request the refund or file the dispute. It’s a documented pattern rather than a one-off misunderstanding.