Yearly Charge

Three days ago I had £80 deducted from my bank account. This was for my yearly unlimited charge to use the service. Whilst I understand there is a cost for this service, my complaint is that there is no pre warning, no communication, no reminder, nothing. I do not think this is acceptable. It also unexpectedly put my bank account into the red…..again unacceptable. I would like to understand Rings processes and procedures regarding yearly payments and whether I can can my subscription and get a refund?