I like this "payment protection" argument. Is it still valid end of September when one paid mid of June? 
It is valid for many years under Section 75 of the Consumer Credit Act 1974, which simply states: "Pay for something costing between £100 and £30,000 on a credit card and the card issuer's equally liable if something goes wrong."
This only applies to the UK.
It apparently doesn't work this side of the channel where you "explicitly" agree to the Terms and essentially declare yourself a business. I asked my counsel to double check, but it looks like the UK has this nice disposition towards consumers (and consumers who fake to be businesses yet pretend to have S75 consumer protection) but probably not the rest of the EU.