Ending your Complete Savings membership made easy

About Complete Savings

Complete Savings is a UK-based membership programme that offers cashback rewards and discounts to its members across a wide range of retailers and service providers. Established to help consumers save money on everyday purchases, the service operates on a subscription model where members pay a monthly or annual fee in exchange for access to exclusive deals, voucher codes, and cashback opportunities at participating merchants.

The platform partners with numerous well-known brands across various sectors including fashion, electronics, travel, groceries, and entertainment. Members can access these benefits through the Complete Savings website and mobile application. The service aims to provide value by offering cashback percentages that, in theory, should offset the membership costs and generate additional savings for regular users.

As a consumer rights specialist, I must emphasise that whilst cashback programmes can offer genuine value, they are not suitable for everyone. Many members find themselves paying subscription fees without utilising the service sufficiently to justify the cost. This is precisely why understanding your cancellation rights from the outset is crucial. You have every right to cancel if the service does not meet your expectations or financial needs.

Complete Savings operates under UK consumer protection laws, which means you are entitled to specific rights regarding contract cancellation, cooling-off periods, and refunds. As a UK-based service, they must comply with the Consumer Contracts Regulations 2013 and the Consumer Rights Act 2015. This means you have robust legal protections, and understanding these rights empowers you to make informed decisions about your membership.

Subscription plans and pricing

Complete Savings typically offers several membership tiers designed to accommodate different usage patterns and budgets. Understanding the pricing structure is essential because it directly impacts your cancellation strategy and potential refund entitlements. The subscription model is designed to be flexible, but this flexibility comes with specific terms that you must navigate carefully.

Membership options available

The service generally provides both monthly and annual payment options. Monthly subscriptions offer greater flexibility, allowing you to cancel with shorter notice periods, whilst annual memberships often come with discounted rates but may involve longer commitment terms. As a consumer, you should always weigh the apparent savings of annual plans against the reduced flexibility and potential difficulty in obtaining refunds for unused months.

It is important to note that these prices are indicative and may vary based on promotional offers or changes to the service structure. Therefore, you should always verify the exact terms of your specific subscription by reviewing your confirmation email or account details. This documentation will be crucial if you need to dispute charges or claim refunds during the cancellation process.

Understanding automatic renewals

Complete Savings, like most subscription services, operates on an automatic renewal basis. This means your payment method will be charged automatically unless you take active steps to cancel before the renewal date. In practice, this system can catch consumers off-guard, resulting in unwanted charges. As a result, I always advise clients to mark renewal dates in their calendars and initiate cancellation well in advance.

Under UK consumer law, companies must provide clear information about automatic renewals before you sign up. They should also send reminder notifications before charging your account. If Complete Savings has failed to provide adequate notice of renewal charges, you may have grounds to dispute the payment with your bank or card provider. This is an important consumer protection that many people are unaware they possess.

Cancellation terms and conditions

Understanding the specific cancellation terms for Complete Savings is fundamental to protecting your consumer rights and ensuring you do not incur unnecessary charges. The cancellation policy outlines your obligations as a member and the company's responsibilities when processing your request. This section empowers you with the knowledge needed to navigate the cancellation process effectively.

Cooling-off period rights

Under the Consumer Contracts Regulations 2013, you have an automatic right to cancel within 14 days of signing up for any service purchased online or over the phone. This is known as the cooling-off period, and it applies regardless of the reasons for cancellation. You do not need to provide justification, and you are entitled to a full refund of any payments made during this period.

This means that if you joined Complete Savings within the last 14 days, you have absolute protection under UK law. The company must process your cancellation request and issue a refund within 14 days of receiving your cancellation notice. In practice, exercising this right through written communication via Recorded Delivery provides you with the strongest evidence that you met the deadline, protecting you against any potential disputes.

Notice periods and requirements

Outside the cooling-off period, Complete Savings typically requires advance notice for cancellation. The standard notice period is usually between 7 to 30 days before your next billing date, though this can vary depending on your specific membership terms. Therefore, reviewing your contract documents is essential to determine the exact notice period that applies to your subscription.

As a consumer rights specialist, I must stress that notice periods must be clearly stated in your contract to be enforceable. If Complete Savings has not provided clear written terms regarding notice periods, you may be able to argue for immediate cancellation without penalty. This is particularly relevant if the terms were buried in lengthy documents or not explicitly highlighted during the sign-up process.

Refund entitlements

Your entitlement to refunds depends on several factors including when you cancel, whether you are within the cooling-off period, and the type of subscription you hold. For monthly memberships cancelled with proper notice, you typically will not receive a refund for the current month but should not be charged for subsequent months. For annual memberships, the situation is more complex and depends on the specific terms of your contract.

If you have been charged after submitting a valid cancellation request, you have the right to dispute this charge. This is where having documented proof of your cancellation becomes invaluable. Recorded Delivery provides this evidence, demonstrating exactly when you sent your cancellation notice and when it was received by Complete Savings. As a result, you can confidently challenge any incorrect charges with your bank or through consumer protection channels.

How to cancel Complete Savings by post

Cancelling by post using Recorded Delivery is the most reliable method for terminating your Complete Savings membership. This approach provides you with legal proof of your cancellation request, including confirmation of when your letter was sent and received. In my 15 years of experience helping consumers navigate cancellations, postal cancellation with tracking has consistently proven to be the most effective protection against disputes.

Why postal cancellation is recommended

Written cancellation via post creates an indisputable paper trail that protects your consumer rights. Unlike phone calls, which leave no verifiable record, or online forms that can experience technical issues or go unacknowledged, a posted letter with Recorded Delivery provides legal evidence that you fulfilled your cancellation obligations. This documentation becomes crucial if Complete Savings continues to charge you after cancellation or disputes the timing of your request.

Furthermore, postal cancellation ensures your request cannot be lost in email spam filters or claimed to have never been received. The Royal Mail tracking system provides independent verification that your letter reached its destination. Therefore, even if Complete Savings claims they never received your cancellation, you have objective proof to the contrary. This level of protection is invaluable when dealing with subscription services that may have financial incentives to delay or complicate cancellations.

Essential information for your letter

Your cancellation letter must include specific information to be valid and effective. At minimum, you should include your full name as it appears on your Complete Savings account, your membership number or account reference, your contact details including postal address and email, and a clear statement that you wish to cancel your membership. You should also specify the effective date of cancellation, ideally stating \