Cancellation service #1 in New Zealand
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Lexington Law 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.
Cancel Lexington Law: Easy Method
What is Lexington Law
Overview
Lexington Law is a U.S.-based credit repair service that works with consumers to challenge credit-report items and communicate with credit bureaus and creditors.
They offer monthly plans that include bureau challenges, creditor interventions and related services managed on behalf of clients.
How it operates
Services are delivered on an ongoing monthly basis rather than as a one-time fixed-fee legal representation.
For New Zealand customers, Lexington Legal Limited appears to be the local registered entity for correspondence and administrative matters.
How to cancel Lexington Law
Online cancellation (recommended)
You can cancel your Lexington Law case at any time by logging into your account and managing your service settings.
There are no long-term contracts; cancellation via the account portal is the fastest way to stop future work and billing.
Alternative cancellation methods
If you prefer written notice, send a clear cancellation instruction to the company, addressed to the local entity or the support channel listed in your account.
Include your account details and request written confirmation of cancellation to keep a record.
Step-by-step cancellation checklist
- Log in to your Lexington Law account and go to service or billing management.
- Select cancel or end service and follow on-screen prompts to confirm cancellation.
- Request and save cancellation confirmation (screenshot or email).
- If you cannot cancel online, send written notice to Lexington Legal Limited (see Address section).
- Monitor your bank/card to confirm future charges stop and keep records of any disputed charges.
What happens when you cancel
Access and service changes
After cancellation, active work on your account will stop according to company procedures and the date you cancelled.
Some case actions already started may continue to completion if they were in process before cancellation.
Billing and final charges
A final invoice for work performed since your last billing may still be charged; Lexington Law states charges are typically processed on your regular billing date unless you request immediate payment.
If you cancel mid-billing cycle you may be charged a prorated amount for work done between your last payment and the cancellation date.
Will I get a refund?
Company policy
Lexington Law’s stated position is that payments already taken for the current period are considered earned and refunds are not offered.
They may charge for completed work up to the cancellation date rather than return paid fees for the current cycle.
Exceptions and redress
- There is typically an initial cooling-off window of about three to five business days after signup during which you can cancel without cost or penalty.
- External legal settlements or regulatory redress (for example CFPB-administered distributions) may produce automatic refunds for eligible consumers without any action required.
- Where a payment or contract term seems unfair or misrepresented, New Zealand consumer protections may provide additional remedies - see the consumer rights section below.
Lexington Law plans and pricing
Typical plans (USD monthly)
| Plan | Price (USD) | Period | Features |
|---|---|---|---|
| Concord Standard | $89.85 | Monthly | Bureau challenges and creditor interventions |
| Concord Premier | $109.95 | Monthly | Includes Standard features plus InquiryAssist, score analysis, ReportWatch, TransUnion alerts |
| PremierPlus | $129.95 | Monthly | Includes Premier features plus cease & desist letters, FICO score tracker, identity protection, personal finance tools |
Notes on pricing and NZ customers
Exact NZD pricing for 2024/25 may vary by exchange rate and local billing. The table above shows common USD monthly prices as representative examples.
Compare features and costs before signing; Lexington Law is often reported to be more expensive than some competitors.
Your consumer rights in New Zealand
Cooling-off and cancellation protections
New Zealand consumer principles commonly include a short 'cooling-off' or 'free-look' period allowing cancellation without penalty; Lexington Law advertises a similar 3 - 5 business day window.
If you signed up within that period, you should be entitled to cancel without charge per company policy and general consumer expectations.
Unfair contract terms and dispute routes
NZ law allows consumers to challenge unfair contract terms or misrepresentations. If a supplier’s no-refund policy is unfair, you can seek remedies through local channels.
Key routes include contacting the Commerce Commission, Consumer NZ, the Disputes Tribunal, or seeking help from the Office of the Privacy Commissioner for data-related issues.
Customer experiences
Positive reports
Some users report that Lexington Law helped remove certain collections or late payments over time and that contacting support was straightforward compared with other services.
These positive experiences tend to describe gradual improvements rather than immediate fixes.
Negative reports
Multiple reviews and complaint platforms include reports of difficulty cancelling, continued billing after cancellation, and dissatisfaction with results.
Independent reviewers note higher cost, lack of money-back guarantees, and a sizeable number of complaints to regulatory bodies.
Documentation checklist
Essential documents to gather
- Account username, client ID and contact details used with Lexington Law.
- Signed agreement or welcome email showing plan, start date and terms.
- Recent billing statements or invoices showing charges and dates.
Helpful supporting evidence
- Copies of cancellation requests, screenshots of online cancellation confirmation or emails.
- Bank or card statements showing payments and any disputed charges.
- All correspondence (emails, messages, call notes) documenting attempts to cancel and provider responses.
Common mistakes
Assuming cancellation is immediate
Clients sometimes assume cancellation stops all work and billing instantly. In practice, charges for work already completed or prorated amounts may still be taken.
Always request and save a written confirmation of the cancellation date and ask how final charges will be handled.
Not keeping records
Another frequent mistake is failing to retain copies of agreements, cancellation confirmations and billing statements.
Without records, disputing unexpected charges or proving a cancellation date is more difficult with banks or consumer authorities.
Comparative recap
Quick comparison
| Feature | Lexington Law (typical) | Typical competitor |
|---|---|---|
| Cancellation ease | Can cancel online anytime; some reviews report difficulties in practice | Varies by provider; some offer simpler online cancellation and clearer refunds |
| Refund policy | No refunds for earned fees; short 3 - 5 business day cooling-off window | Some competitors offer money-back guarantees or partial refunds |
| Monthly cost (example) | $89.85 - $129.95 USD per month (plans) | Often lower-cost options available; features vary |
| Customer satisfaction | Mixed - some removals reported, many complaints about billing and results | Also mixed; smaller providers may be cheaper but also less resourced |
After cancelling
Monitor your accounts
Watch your bank and card statements for any unexpected charges after cancellation and keep records of any incidents.
If you see a charge you did not expect, contact the company first and then your bank or card issuer to dispute the transaction if necessary.
Where to get help
- Lexington Law FAQ - company guidance on cancellation and billing.
- Consumer Protection (Commerce Commission / Consumer NZ) - guidance on unfair contract terms and consumer rights in New Zealand.
- Disputes Tribunal (New Zealand) - for low-value civil disputes.
- Office of the Privacy Commissioner NZ - for data and privacy concerns.
Address
Local correspondence
Send cancellation notices or written correspondence to the local entity if required for record-keeping:
Lexington Legal Limited, P.O. Box 20002, Bishopdale, Christchurch 8543, New Zealand
Practical tips for sending mail
- Send registered or tracked mail and keep a copy of your cancellation letter.
- Include your account details, the cancellation date you expect, and a request for written confirmation.
Similar cancellation services
FAQ
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.