Cancellation service #1 in United States
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Beyond Finance 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.
Cancellation Beyond Finance: Easy Method
What is Beyond Finance
Beyond Finance is a U.S.-based debt resolution company that offers services such as debt evaluation, negotiation with creditors and debt settlement programs. They work with individual clients to attempt to reduce the total amount owed through negotiated settlements and charge fees based on a percentage of enrolled debt rather than an upfront fixed fee.
Beyond Finance primarily markets to U.S. customers but accepts clients from other jurisdictions in some cases; specific terms, pricing and legal protections can differ for Canadian residents and are determined by each client’s agreement with the company.
How to cancel Beyond Finance
Before you cancel, review your contract for a cancellation clause, any notice periods and instructions about escrow or funds held. For reliable proof of delivery and to reduce disputes over whether the company received your cancellation, send written notice and keep copies of all correspondence and tracking information.
- Step 1 - Read your agreement: identify the cancellation procedure, required notice period, and any instructions about refunds or funds held in escrow.
- Step 2 - Prepare a written cancellation letter: include your full name, account or client number, date, a clear statement that you are cancelling the agreement, and a request for written confirmation and a final accounting of fees and funds.
- Step 3 - Send the letter by certified mail or tracked registered post (raccomandata A/R) to the company address and keep the receipt and tracking number as proof of delivery.
- Step 4 - Follow up by phone and/or email; request an email confirmation and a timeline for any refund or return of client funds. Note times and names of representatives you speak with.
- Step 5 - If you do not receive acknowledgement or a satisfactory response within a reasonable time (e.g., 30 days), consider escalating: contact provincial consumer protection agencies, your bank or card issuer, or seek legal advice.
What happens when you cancel
Cancellation typically stops the company from providing further services under the agreement, but it does not automatically remove the underlying debts you owe to creditors. Any funds held by the company for settlement may be returned, applied to creditor accounts, or used to pay fees depending on your contract and how funds were handled.
Creditors may resume direct collection activity once the company stops negotiating on your behalf. Your credit record is not erased by cancelling a debt-settlement arrangement; the impacts of previous settlements, missed payments or negotiated amounts will remain unless corrected by creditors or credit bureaus.
Will I get a refund?
Refunds depend on the contract terms and what fees were earned or services already provided. Debt settlement firms that charge a percentage of enrolled debt often consider fees earned as negotiations proceed; if work was not performed or funds remain unspent in escrow, you may be entitled to a refund of unearned amounts. Exact outcomes depend on timing, how payments were processed, and provincial consumer law.
If you believe you are due a refund, request an itemized final statement in writing showing fees, payments to creditors, and any remaining client funds. If the company refuses or does not reply, you can pursue the matter with your payment provider (bank or credit card issuer), provincial consumer protection office, or small claims court where appropriate.
Beyond Finance plans and pricing
| Plan / Item | Price | Notes |
|---|---|---|
| Fee model | Percentage-based | Fees are charged as a percentage of enrolled debt rather than as fixed upfront fees. |
| Typical fee range | 15% - 25% of enrolled debt | Reported ranges; exact percent depends on your agreement and negotiated terms. |
| Upfront fees | No upfront fees | Company reports no upfront fee; charges originate from consultation or settlement terms. |
| Currency / Exact CAD pricing | Varies | Beyond Finance does not publish explicit Canadian Dollar (CAD) prices online; a personalized quote is required for exact 2024/2025 CAD figures. |
Your consumer rights in Canada
Canadian consumers are protected by federal and provincial consumer protection laws that require clear disclosure of contract terms and may provide cancellation rights in certain circumstances. Specific protections, allowable contract terms and timelines vary by province or territory, so you should check the laws that apply where you live.
You also have the right to accurate billing, to dispute unauthorized or incorrect charges through your bank or credit card provider, and to lodge complaints with provincial consumer protection offices. For complex questions about contract law or large sums, consider seeking independent legal or licensed financial advice.
Customer experiences
Customer reports are mixed: some clients say debt settlement helped reduce balances and reached agreements with creditors, while others report long timelines, incomplete communication, unexpected fees or limited refunds. Outcomes vary by individual debt portfolios, creditor cooperation, timing and the specifics of the contract.
Before enrolling, ask the company for success rates, references, written explanations of fees and timelines, and a clear description of what will and will not be done on your behalf to manage expectations.
Documentation checklist
- Signed contract or service agreement (copy)
- All communications with Beyond Finance (emails, letters, notes of phone calls with dates/names)
- Proof of payments you made to the company and to creditors (bank/credit card statements, receipts)
- Statements from creditors showing current balances and any settlements
- Your cancellation letter copy, tracking number and delivery receipt
- Any escrow or client trust account statements
Common mistakes
Common mistakes include stopping payments to creditors without a written and confirmed plan, failing to keep copies of contracts and correspondence, relying solely on verbal assurances, and not checking the contract for cancellation or refund clauses. For example, a client who stopped paying creditors before obtaining written confirmation of enrollment sometimes faced late fees and collection actions while negotiations had not yet begun.
Another frequent error is not sending cancellation by tracked mail - without proof of delivery it becomes harder to demonstrate timely notice if disagreements arise.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Certified mail / registered letter (written cancellation) | Possible - may recover unearned fees or return client funds depending on contract | Low to Medium (best proof and recommended) |
| Phone or email cancellation | Uncertain - depends on company records; weaker proof if contested | Low (fast) but higher risk if no written confirmation |
| Credit card dispute / chargeback | Possible for unauthorized or misrepresented charges; subject to issuer rules | High (requires evidence, time-bound, and not guaranteed) |
After cancelling
After you cancel, obtain a final itemized statement and written confirmation that the account is closed. Check that any client funds are returned or applied as you directed, and monitor your credit reports for accurate reflection of settlements or account status. Notify your creditors directly in writing that you have cancelled the service and ask them to confirm they will communicate with you directly.
Helpful resources: Beyond Finance, Government of Canada consumer information at https://www.canada.ca/en/services/consumer.html, the Financial Consumer Agency of Canada at https://www.canada.ca/en/financial-consumer-agency.html, Equifax Canada at https://www.consumer.equifax.ca and TransUnion Canada at https://www.transunion.ca. Consider contacting your provincial consumer protection office for localized guidance.
Address
P.O. Box 660442, Dallas, Texas 75266-0442, United States - send cancellation by certified mail / tracked registered post (raccomandata A/R) and keep proof of delivery.