Serviço de cancelamento N.º 1 em Germany
Senhora, Senhor,
Notifico através desta a minha decisão de pôr termo ao contrato relativo ao serviço Schufa.
Esta notificação constitui uma vontade firme, clara e inequívoca de cancelar o contrato, com efeito na primeira data possível ou de acordo com o prazo contratual aplicável.
Solicito que tome todas as medidas úteis para:
– cessar toda a faturação a partir da data efetiva de cancelamento;
– confirmar-me por escrito a boa tomada em conta deste pedido;
– e, se for o caso, transmitir-me o extrato final ou a confirmação de saldo.
Este cancelamento é-lhe dirigido por correio eletrónico certificado. O envio, a datação e a integridade do conteúdo estão estabelecidos, o que faz dele um escrito comprovativo que responde às exigências da prova eletrónica. Dispõe portanto de todos os elementos necessários para proceder ao tratamento regular deste cancelamento, de acordo com os princípios aplicáveis em matéria de notificação escrita e de liberdade contratual.
De acordo com as regras relativas à proteção de dados pessoais, solicito também:
– que elimine todos os meus dados não necessários às suas obrigações legais ou contabilísticas;
– que encerre qualquer espaço pessoal associado;
– e que me confirme a eliminação efetiva dos dados segundo os direitos aplicáveis em matéria de proteção da vida privada.
Conservo uma cópia integral desta notificação assim como a prova de envio.
Cancellation Schufa: Easy Method
What is Schufa
SCHUFA Holding AG is a German credit-reporting agency that collects and provides information on individuals' creditworthiness for use by lenders, landlords and service providers. It operates primarily in Germany and issues credit reports, monitoring services and related products; it is not a Canadian company and its products and legal framework are based on German and EU rules.
How to cancel Schufa
- Check how you subscribed: log in to your SCHUFA online account or check the confirmation email/receipt from the seller or third‑party provider to identify the product and cancellation terms (notice period, renewal date).
- If available, cancel directly in your SCHUFA online account following the provider’s cancellation option or “contract termination” link.
- If no online cancellation exists, send an email to SCHUFA or to the vendor that sold the service (use the address on your invoice or the provider’s contact page) and request cancellation in writing, quoting your customer number/order number.
- Call SCHUFA or the vendor by phone to request cancellation; note the date/time, agent name and confirmation number. Be prepared for long hold times or limited phone support.
- For the strongest proof, send a written cancellation letter by registered mail (Einschreiben) to SCHUFA’s postal address (see Address section). Include your name, customer number/order number, product, statement “I hereby terminate my contract” and a signature. Keep copies and delivery proof.
- Note notice periods: many contracts require roughly one month’s notice or end-of-term cancellation; check your contract. If you subscribed through a third party, their terms may differ and may prevent withdrawal if the service started immediately.
What happens when you cancel
When cancellation is processed, access to subscription features (monitoring dashboards, alerts, online reports) typically ends at the end of the paid period or immediately depending on the vendor’s terms. Automatic renewal should stop once the provider acknowledges termination and the current paid term completes.
Cancellation of the subscription does not necessarily delete underlying credit data that SCHUFA holds; SCHUFA retains certain records under German rules and may continue to hold or report historical credit entries as required by law. If you want records deleted or corrected, you must submit a separate data subject request to SCHUFA and follow their data dispute procedures.
Will I get a refund?
Refunds depend on the contract and where you bought the service. In Germany there is a 14‑day statutory right of withdrawal for many online services, but that right is forfeited if you explicitly consent and the service begins immediately (some third‑party sellers initiate the data request right away). Whether you can get a refund therefore depends on: the seller’s terms and cancellation policy, whether you exercised any statutory withdrawal rights in time, and whether the service has already begun.
In practice, annual subscriptions may sometimes be eligible for a prorated refund if you cancel mid-term, while monthly subscriptions often renew until you complete the required notice period and may not be refundable for the current month. If the provider refuses a refund and you paid by credit card, you can discuss a chargeback with your bank or card issuer as a separate option.
Schufa plans and pricing
| Plan | Billing | Price | Notes |
|---|---|---|---|
| Basic self‑disclosure (Selbstauskunft) | One‑time | Varies | Offered directly by SCHUFA or via third parties; price varies by provider |
| Monitoring - monthly | Monthly | Varies | Recurring monitoring and alerts; terms depend on seller |
| Monitoring - annual | Annual | Varies | Often billed upfront; may allow prorated refunds per provider policy |
Your consumer rights in Canada
SCHUFA is a German entity, so Canadian federal or provincial consumer protection laws do not automatically apply to its contracts. Canada does not provide a uniform 14‑day statutory right of withdrawal for online purchases; cancellation and refund rights are determined by the contract you signed and by provincial consumer protection statutes (which vary across provinces).
If you paid from Canada and have a dispute, practical remedies include: contacting the seller to seek a refund, filing a dispute or chargeback with your credit card issuer or payment provider, or contacting your provincial consumer protection office for guidance. Privacy laws such as PIPEDA (or provincial privacy statutes) apply to Canadian organizations; where GDPR or German law applies (because SCHUFA is German), you may have rights under GDPR if those rules are engaged, but enforcing EU/German law from Canada is more complex.
Customer experiences
Public reviews and crowdsourced reports show a mix of dissatisfaction and practical issues. Many customers report difficulty cancelling - long phone wait times, being told cancellation was processed but still being charged, and slow or poor customer service responses. Some reviewers criticize high costs for basic checks and data retention practices. Positive reviews are less common on major review platforms for SCHUFA-specific products; experiences often vary depending on whether a user dealt directly with SCHUFA or with a third‑party reseller.
Documentation checklist
- Invoice, order confirmation or subscription contract (showing product, start date and customer/order number)
- Account login email or username used for the SCHUFA product
- Proof of payment (credit card statement, PayPal receipt, bank transaction)
- Any previous cancellation emails, chat transcripts or confirmation numbers
- Government ID (if required for identity verification when contacting SCHUFA)
Common mistakes
Common mistakes include assuming EU/German consumer rights automatically protect Canadian buyers, failing to record cancellation attempts (dates, agent names, reference numbers), and not sending written cancellation confirmation. Another frequent error is overlooking third‑party reseller terms: some resellers begin the service immediately and state that statutory withdrawal rights are waived once the service has commenced with the consumer’s consent, which can make refunds or reversals difficult.
Also, relying solely on a verbal phone cancellation without written confirmation can lead to continued charges; using registered mail or saving written/email confirmations avoids this risk.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Online account cancellation | Depends on provider terms | Low - immediate confirmation often available |
| Email cancellation | Depends on provider terms | Medium - depends on response time and clarity of reply |
| Phone cancellation | Depends on provider terms | Medium - High - long waits and inconsistent confirmations reported |
| Registered mail (Einschreiben) | Depends on provider terms; strongest proof for refund disputes | Low - Medium - slower but provides delivery proof |
After cancelling
After you cancel, confirm in writing that the provider acknowledged the termination and keep any confirmation. Check your bank or card statements to ensure no further charges post‑cancellation. If you were charged despite a confirmed cancellation, contact your payment provider to discuss a dispute or chargeback.
Useful resources: SCHUFA’s website and contact pages, general GDPR and German data‑protection information if you need to request data access or deletion, and Canadian consumer or privacy authorities for dispute guidance. If you purchased through a third party, review that reseller’s terms and contact them first for refunds.
Helpful links: SCHUFA (English), GDPR overview, Office of the Privacy Commissioner of Canada, Government of Canada - Consumer protection, Competition Bureau Canada.
Address
SCHUFA Holding AG
Kormoranweg 5
65201 Wiesbaden
Germany