I was also ripped off by Photopoint. I had used their site when it was free. It was very easy to use. I was unaware that they had any problems last summer until the site disappeared in December and I started searching the internet for more info about what is going on. I paid the $20 but only got 5 or 6 months of use at the time that they shut down. Thankfully all my photos are still on my hard drive. I have to find a new place to upload my photos to and put in new links to them which is only an inconvenience for me. However, they really should have given some warning. They should not get away with this.
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