Cancel Lmct Plus: The Right Way to Protect Your Money

How to cancel your LMCT Plus membership and protect your money

What is LMCT Plus and why australians cancel

LMCT Plus is a subscription-based rewards and giveaway membership that markets itself as a loyalty club, promising discounted partner offers and entries into monthly prize draws for cars, properties and other high-value prizes. You pay a recurring monthly fee starting from A$19.99, and the service operates on tiered billing levels, with premium tiers offering greater discount access and higher monthly draw entry counts.

Many Australian consumers sign up attracted by the prize potential, then discover the membership offers limited perceived value or transparency around how draws actually work. If the discounts don't justify the monthly cost, or if you've realised the odds of winning are extremely low, you have every right to cancel. Tocancel has built this guide to help you cancel effectively and understand your consumer rights.

Common reasons australians cancel LMCT Plus

Members most often cancel because the discounts don't justify the monthly cost, or they realise the actual odds of winning are extremely low. Some discover the service through media reports and regulatory scrutiny around trade promotion rules and giveaway licensing. Others simply need to cut subscription expenses and view LMCT Plus as a lower priority than essential services. Whatever your reason, you have the right to stop paying immediately.

Why cancellation can feel difficult

Public reviews and consumer complaint sites consistently report that LMCT Plus makes cancellation intentionally hard. Customers describe phone lines that are confusing, emails that go unanswered, and payment processors that don't easily allow you to stop recurring charges. The company's website and app do not always offer a straightforward "cancel now" button. This friction is a common dark pattern in subscription services. Understanding the proper cancellation route protects you and ensures your money stops flowing to LMCT Plus.

Your australian consumer rights with LMCT Plus

Australian consumer law gives you specific protections when buying subscriptions, regardless of what LMCT Plus's terms and conditions say.

What the australian consumer law says about cancellations

The Australian Consumer Law (part of the Competition and Consumer Act 2010) requires businesses to provide goods and services with care and skill, and to be transparent about cancellation rights before you buy. If LMCT Plus made promises about "cancel anytime" in its marketing, those promises are binding even if the fine print tries to contradict them. You are also entitled to cancel if the service is not fit for purpose or does not match the description you were given at purchase.

Additionally, if you subscribed online, you may have a statutory 14-day cooling-off period under Australian Consumer Law, which means you can request a full refund within 14 days of your purchase without needing a reason. This right is automatic unless you explicitly agreed the subscription would start immediately and you cannot get a refund once it does. Your legal position is clear: if you're unhappy within 14 days, you can demand your money back.

The australian consumer law enforcement body

The Australian Competition and Consumer Commission (ACCC) is the enforcement body for consumer rights disputes. If LMCT Plus refuses to cancel your subscription or process a refund you're entitled to, you can lodge a complaint with the ACCC or your state's fair trading office. This escalation point exists to protect you, and the ACCC has the power to investigate and take action against unfair contract terms or misleading marketing. Tocancel recommends keeping detailed records of all cancellation attempts and responses so you have evidence if you need to escalate.

LMCT Plus subscription plans and pricing

LMCT Plus offers three primary monthly tiers with Australian dollar pricing that determines your recurring charge and draw entry frequency.

Your billing date depends on when you first subscribed. Most members are charged on the same day each month. If you cancel mid-cycle, future charges will stop, but you will typically retain access until your current paid period ends. Some members report they were charged shortly before receiving cancellation confirmation, so timing your cancellation request carefully matters to protect your account.

How to cancel your LMCT Plus membership

LMCT Plus offers multiple cancellation routes, but written mail is the most reliable method to create a documented paper trail that protects you legally.

Cancellation by post (most reliable)

Sending a written cancellation request by post creates an official record that cannot be ignored or claimed as lost. This method is your strongest legal position if LMCT Plus disputes your cancellation later. Follow these steps to cancel by mail.

1. Write a clear cancellation letter that includes:
   • Your full name and email address
   • Your membership number (visible in your account or emails)
   • Your billing date and the plan you're cancelling
   • The date you want the cancellation to take effect
   • A statement: "I wish to cancel my LMCT Plus membership effective immediately" or your preferred date
2. Print your letter and sign it with your full name
3. Enclose a copy of your most recent LMCT Plus invoice or account screenshot
4. Send the letter via Australia Post registered mail (with tracking) to LMCT Plus's corporate office at the address provided in your membership agreement or invoice
5. Keep a copy of your letter, envelope, and the Australia Post receipt for your records
6. Allow 5 to 10 business days for the cancellation to process and your access to be removed

Written cancellation by post is the method Tocancel recommends most strongly because it creates irrefutable evidence of your cancellation request and the date you sent it.

Cancellation by phone

You can attempt to cancel by calling LMCT Plus directly on 1300 068 3688. However, many user reviews indicate that phone cancellations are confusing and often ineffective, with customers reporting that their cancellations were not processed or were later disputed.

1. Call 1300 068 3688 during business hours
2. Have your membership number, email address and account details ready
3. Clearly state: "I want to cancel my LMCT Plus membership effective immediately"
4. Ask for the support staff member's name and the date and time of your call
5. Request a cancellation reference number or confirmation code
6. Ask for a cancellation confirmation email to be sent to you within 24 hours
7. If the staff member refuses to provide a confirmation, ask to speak to a manager

If you call, always follow up by sending a confirming email to [email protected] with the details of your phone call, including the date, time and staff member's name, so you have written proof of your cancellation request.

Cancellation by email

You can email your cancellation request to [email protected], though many customers report delayed or no responses. Email is better documented than phone but weaker than registered mail.

1. Compose an email with the subject line: "Cancellation Request - [Your Name] - Membership Number [Your Number]"
2. Include your full name, email address, membership number and the date you want the cancellation effective
3. Write clearly: "I am requesting immediate cancellation of my LMCT Plus membership"
4. Send it to [email protected]
5. Request a read receipt so you know LMCT Plus has opened the email
6. If you do not receive a confirmation email within 48 hours, follow up with a second email
7. If no response comes within 5 business days, escalate to the phone line or send a registered letter

Email creates a time-stamped record, but it is not as legally strong as registered mail if LMCT Plus later claims they never received your request.

What to expect after you cancel

Understanding the timeline after cancellation helps you verify that LMCT Plus has actually stopped charging you.

Access and billing after cancellation

Once you submit a valid cancellation request, LMCT Plus will typically remove your access to the membership portal and discount offers within 5 to 10 business days. You will lose access to any accumulated draw entries and partner discounts on your effective cancellation date. Your payment method will no longer be charged on your next billing cycle. However, some members report that access is removed immediately while billing stops on the next scheduled charge date, so check your account status regularly to verify.

Verify that charges have stopped

After your cancellation date passes, monitor your bank or credit card statements for the next 30 days. You should see no new LMCT Plus charges. If a charge appears after your effective cancellation date, contact your bank immediately to dispute the transaction. This is a breach of your cancellation request, and Tocancel recommends you then escalate to the ACCC with evidence of your cancellation request and the unauthorized charge. Keep all bank statements and email confirmations until you are certain the cancellation is complete.

Refunds and what you can claim back

Your right to a refund depends on when you cancelled and the reason you are cancelling.

14-day cooling-off period refunds

If you subscribed to LMCT Plus within the last 14 days and have not yet used the service (or have used it minimally), you are entitled to a full refund under Australian Consumer Law. This right exists automatically unless you agreed the subscription would start immediately and you explicitly agreed you could not get a refund once it started. To claim this refund, contact LMCT Plus in writing and state: "I am exercising my statutory 14-day cooling-off right under the Australian Consumer Law and request a full refund of A$[amount] paid on [date]."

Refunds after 14 days

After 14 days, you are not automatically entitled to a refund simply because you want to cancel. However, you can claim a refund if the service does not match the description LMCT Plus provided at purchase, or if the service is not fit for purpose (for example, if draws are not held as promised, or if discounts are not available as advertised). If you have evidence that LMCT Plus misrepresented the service, you can request a pro-rata refund for the portion of your subscription you did not use. Keep screenshots of misleading marketing claims as evidence.

Disputing charges with your bank

If LMCT Plus continues to charge you after your cancellation date, or if your refund request is refused, you can dispute the charges directly with your bank or credit card provider. Contact your bank's dispute resolution team and provide them with evidence of your cancellation request and the unauthorized charges. Your bank can reverse the transaction and issue a chargeback to LMCT Plus. This method often works faster than arguing with LMCT Plus directly, and Tocancel recommends using it if LMCT Plus refuses to honour your cancellation.

Common mistakes when cancelling LMCT Plus

Cancellation can feel stressful, especially when a company makes the process difficult. Here are the mistakes that most often delay or prevent cancellation so you can avoid them.

Relying on a single cancellation method

Using only email or only the phone line gives LMCT Plus an easy way to deny your request. If you only call and later LMCT Plus claims they have no record of your call, you have no proof. Always use at least two methods: call first and follow up with a registered letter. This creates multiple documented proof points. Tocancel recommends registered mail as your primary method because it cannot be lost or denied.

Not keeping proof of your cancellation request

If you cancel by phone without asking for a confirmation number or following up in writing, you have no evidence your cancellation was processed. If LMCT Plus later charges you again, you will struggle to prove you ever asked to cancel. Always request written confirmation, keep receipts from registered mail, and save all emails. This documentation is your legal shield.

Assuming your access being removed means billing has stopped

LMCT Plus may remove your access to the membership portal but continue billing your payment method. Access and billing are separate systems. Just because you cannot log in does not mean charges have stopped. Monitor your bank statements for at least 30 days after cancellation to confirm no new charges appear. If charges continue, you have proof of the cancellation request plus the unauthorized charges, which strengthens your dispute.

Missing the 14-day window for full refunds

If you want the best chance at a full refund, cancel within 14 days of your purchase. After 14 days, refunds become harder to claim. If you are unhappy with LMCT Plus, act quickly. The earlier you cancel, the stronger your refund position.

Timeline for cancellation and billing

Knowing exactly when your cancellation takes effect and when billing stops helps you plan your finances and verify the cancellation is complete.

What to do if LMCT Plus refuses to cancel

If LMCT Plus ignores your cancellation request or continues to charge you after you have clearly asked to cancel, you have legal remedies and escalation options.

Document the breach

Keep all evidence: your cancellation request (registered letter receipt, email, phone call details), LMCT Plus's responses (or lack of response), and your bank statements showing unauthorized charges after your cancellation date. This documentation is your legal evidence that LMCT Plus has breached your cancellation request and potentially violated the Australian Consumer Law.

Send a formal demand letter

If LMCT Plus continues to charge you after cancellation, send a formal letter via registered mail demanding a full refund of all unauthorized charges and confirming your cancellation is effective immediately. State the amount owed, the dates of unauthorized charges, and give LMCT Plus 14 days to respond. If they do not respond or refuse, you have grounds to escalate to the ACCC or small claims court.

Escalate to the ACCC

Lodge a complaint with the Australian Competition and Consumer Commission (ACCC) at accc.gov.au. Provide your documentation of the cancellation request, LMCT Plus's failure to process it, and evidence of unauthorized charges. The ACCC can investigate unfair contract terms or misleading marketing and may take enforcement action against LMCT Plus. Tocancel advises this step if LMCT Plus ignores your direct requests.

Contact your state fair trading office

You can also lodge a complaint with your state or territory's fair trading office (for example, Fair Work Ombudsman in your state). They can provide dispute resolution services and may take action on your behalf if LMCT Plus is engaging in unfair or unconscionable conduct.

Cancellation checklist

Use this checklist to ensure you have completed every step needed to cancel LMCT Plus safely and create a legal record of your cancellation.

Key takeaways and next steps

Cancelling LMCT Plus is your right, and you have strong legal protections under Australian Consumer Law. The company cannot ignore a clear, documented cancellation request. To protect yourself, always use registered mail as your primary method, keep all proof of your request, and monitor your bank statements for unauthorized charges. If LMCT Plus refuses to cancel or continues charging you, escalate immediately to your bank, the ACCC, or your state fair trading office. You have the law on your side.

Tocancel has helped thousands of Australian consumers cancel subscriptions and recover unauthorized charges by providing clear, step-by-step guidance and reminding them of their legal rights. Visit Tocancel today to access cancellation templates, model letters, and dispute guides. If you are unsure about any step, contact Tocancel's resources or your state fair trading office before you proceed.

Remember: LMCT Plus cannot prevent you from cancelling, and any attempt to do so is illegal under Australian Consumer Law. Act now, cancel with confidence, and protect your money.