Can anyone help me to get in touch with this company they are not taking payment from my credit card. Barclaycard have verified it's  ok-£5 in credit in fact.

Many thanks

I've been with them 4-5 years and no problem-I don't understand it

As far as I can make out, no humans look at messages you send from the Finarea websites. Bear in mind that the service is dirt-cheap because Finarea have no operating staff. You may, possibly, get a response from a human if you email service@finarea.ch

Alternatively, try to figure out how the billing system is programmed. I think it is something like
1. Attempt to take payment every month from stored details (either bank account by direct debit, or credit/debit card by Visa payment system) unless sum due is less than (?) £3.
2. If payment fails (eg because direct debit hasn't been taken for many months, and customer's bank has therefore suspended it; or because of a glitch in the Visa payment system), customer will see 'payment has failed' screen when logging on to account at https://myaccount.finarea.ch/114/ (etc), and instructions for making payment by BACS transfer.
3. If payment by BACS transfer not received within x days, suspend account.
4. If payment by BACS transfer is received, allow customer to refresh payment details. If credit/debit card number entered, try to take current balance straight away. Then return to 1. If direct debit, return straight to 1 (I think, but I'm not sure about that).