skin noir& eye noir For almost $400.00 all I have is the sample product. I sent all other items back. They said they didn't recieve them santa ana California

I saw an ad for a sample of skin noir and eye noir for $4.95. I sent for it not knowing I was signing up for every month delivery. I returned all the products but they say they didn't recieve them. I am 78 years old and trying to live on my social securty check {only income} I have had 9 heart attacks and 3 open heart surgeries. I sure don't need this stress because of a scam.Now I have to let my credit card go to collectios because I will not pay for this scam. I know when it goes to collections it will hurt my credit but I can't afford to buy much any how  They say i owe this because I didn't read the fine print saying if I didn't cancel in 14 day  I was signed up to recieve the product. They should have that in bold print.  SCAM  SCAM SCAM!!!