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Cancel CONSOLIDATED CREDIT
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I hereby notify you of my decision to terminate the contract relating to the Consolidated Credit service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation Consolidated Credit: Easy Method
What is Consolidated Credit
Overview
Consolidated Credit Counseling Services of Canada, Inc. is a non-profit credit counselling organization that offers free initial credit counselling and optional Debt Management Programs (DMPs). They provide budgeting and debt-reduction support, set up arrangements with creditors on behalf of clients, administer monthly DMP payments, and operate a member portal and mobile app for tracking accounts.
The organization publishes a Terms of Use that states, unless otherwise noted, fees for website use and services are non-refundable. Their public materials indicate counsellors set individual fees for setup and monthly administration of a DMP based on debt, budget and province/territory.
How to cancel Consolidated Credit
- Identify what you are cancelling (account access, app subscription, or a Debt Management Program). If you are enrolled in a DMP, note that stopping the program does not undo payments already applied to creditors.
- Contact your Consolidated Credit counsellor or the office to notify them you want to cancel. Ask for written confirmation of the cancellation and the effective date.
- If you subscribed through the Apple App Store or Google Play, cancel the subscription through your Apple or Google account to stop any recurring app charges.
- Stop or revoke any pre-authorized payments from your bank or credit card (provide your bank with the payee and instruction to cancel future transfers) to prevent further DMP withdrawals.
- Send a cancellation letter by registered mail (raccomandata A/R) to ensure delivery confirmation. Address it to Consolidated Credit Counseling Services of Canada, Inc., 505 Consumers Rd, Suite 400, Toronto, Ontario M2J 4V8, Canada, and keep copies of the letter and the delivery receipt.
- Request a final account statement that shows payments applied, outstanding balances, and the program closure date. Keep this for your records in case creditors report changes to credit bureaus.
What happens when you cancel
When you cancel an account or a DMP, Consolidated Credit will no longer administer ongoing payments or negotiations on your behalf after the cancellation effective date. Access to the member portal or app may be suspended or closed according to their internal procedures.
Payments already made through the DMP remain applied to creditors’ accounts. While Consolidated Credit does not impose penalties for cancelling, participating creditors may reinstate original interest rates, fees, or collection activity after the program ends. You should monitor your creditors and credit reports for any changes after cancellation.
Will I get a refund?
Consolidated Credit’s publicly posted Terms of Use specify that fees are non-refundable unless otherwise noted. There is no explicit mention of a statutory cooling-off or 14-day refund period in their online policies, and their terms do not describe special refund rules for cancellations via App Store, Google Play or web sign-ups. Therefore, in most cases fees you paid (including DMP setup or administration fees) are not refundable.
Exceptions would only apply if a specific fee was described as refundable in writing, if provincial law requires a refund in a particular circumstance, or if Consolidated Credit agrees to a refund in writing. If you believe a refund is owed, request it in writing and keep copies of all correspondence; you can also contact provincial consumer protection authorities for advice if needed.
Consolidated Credit plans and pricing
| Plan | Price | Period | Features |
|---|---|---|---|
| Initial Credit Counselling | C$0.00 | One-time / Free | Free debt evaluation session with trained credit counsellor |
| Debt Management Program (Setup Fee) | Varies | One-time | Arrangement and setup for DMP |
| Debt Management Program (Monthly Administration Fee) | Varies | Monthly | Ongoing administration of DMP |
| Mobile App Membership | C$0.00 | One-time / Free | Access to member portal and tracking via iOS app |
Your consumer rights in Canada
Canadian consumer protection laws vary by province and by the type of contract. Some sales (for example, door-to-door agreements) carry statutory cooling-off periods, but online debt counselling services do not automatically have a federal cooling-off period unless the provincial rules or the contract specifically provide one. Consolidated Credit’s publicly posted Terms of Use do not advertise a cooling-off or automatic refund right.
As a non-profit accredited by relevant associations, Consolidated Credit must disclose fees before enrolment and operate within provincial regulations. You may cancel a DMP at any time; while the provider does not impose cancellation penalties, creditors may change how they treat your account. If you suspect unfair practices or need help enforcing consumer law, contact your provincial consumer protection office or a legal clinic for guidance.
Customer experiences
Many clients report positive experiences: counsellors described as helpful, professional and empathetic; successful reduction of interest rates through creditor arrangements; and useful financial education and relief. These accounts often note the program helped them manage debt more effectively.
Negative reports include technical problems with the member portal (difficulty making or rescheduling payments, intermittent live chat availability), instances where creditors were not properly notified - leading to missed-payment reports and credit damage - and complaints about non-refundable program fees and insufficient follow-through when creditors declined to participate. There are isolated reports of serious errors and poor post-error customer service. These mixed experiences suggest outcomes can depend on individual counsellors, creditor cooperation, and operational factors.
Documentation checklist
- Copy of your enrolment agreement or any fee disclosure you received.
- Recent DMP or account statements (showing payments applied and balances).
- Bank or credit card statements showing payments to Consolidated Credit or app store receipts.
- Written cancellation request and any email replies or confirmations from Consolidated Credit.
- Delivery receipt if you send written notice by registered mail.
- Final account closure statement (request this when you cancel).
Common mistakes
Users sometimes assume that paying into a DMP can be reversed; in reality, payments already made are applied to creditor balances and are generally not refundable. Another common mistake is forgetting to cancel the subscription via Apple or Google if payments were set up through those stores - cancelling with Consolidated Credit does not automatically stop App Store or Google Play recurring billing.
Failing to get written confirmation of cancellation or not stopping pre-authorized bank transfers can cause continued withdrawals after you believe the program has ended. Also, not monitoring creditor communications after leaving a DMP can lead to unexpected reinstatement of interest or collection activity; it is important to follow up with your creditors and check credit reports.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Cancel via counsellor / phone or email | Generally no refund (fees non-refundable per Terms of Use) | Low to moderate (depends on staff responsiveness) |
| Cancel DMP (stop program) | Payments already made remain applied; setup/monthly fees typically non-refundable | Low (requesting cancellation is straightforward, but creditor outcomes may be complex) |
| Cancel subscription through Apple App Store / Google Play | Store-level refunds follow Apple/Google policies; Consolidated Credit’s fees still governed by their Terms | Low (managed in your Apple/Google account, but refund outcomes depend on the store) |
After cancelling
After you cancel, keep copies of all correspondence and the final account statement. Monitor your bank and credit card statements to confirm automatic payments have stopped, and check your credit report for any changes. If you used an app subscription, verify the cancellation in your Apple or Google account and request a store refund if applicable through those platforms.
Useful pages: Consolidated Credit Terms of Use, Credit Counselling information. If you need to escalate a dispute, consider contacting your provincial consumer protection office or a legal advisor for next steps.
Address
Mailing address for registered cancellation letters:
Consolidated Credit Counseling Services of Canada, Inc.
505 Consumers Rd, Suite 400
Toronto, Ontario M2J 4V8
Canada