Cancel Modere: Step-by-Step Guide

How to cancel your Modere subscription after the company closure

Understanding Modere and why you might need to cancel

Modere was a direct-to-consumer wellness company that sold supplements, collagen products and skincare items across Canada and internationally. The company operated through online ordering, offered a 30-day satisfaction guarantee and processed returns through Canadian centres in Mississauga and Burlington, Ontario. On April 11, 2025, Modere permanently closed its operations, which means its website, customer service lines and normal cancellation channels no longer function. If you had an active subscription or pending orders, you are not alone in facing confusion about what happens next.

Dealing with a company closure creates real stress for customers with outstanding balances or unprocessed returns. This guide walks you through your cancellation options, refund rights and escalation steps if Modere's closure has left you with unresolved charges or orders. Tocancel helps you understand what protections Canadian consumer law offers you and how to recover money if the company will no longer respond.

Why Modere customers need cancellation help now

When a company shuts down without warning, normal cancellation procedures disappear overnight. You may still see pending charges on your credit card or bank account, or you may have ordered products that never arrived. Tocancel has helped thousands of consumers navigate subscription cancellations and company closures, and we know the frustration this causes. You have rights under Canadian consumer protection law, even when a company stops operating.

What the closure means for your account

The Modere website is no longer accessible, customer service phone lines are defunct and the email support system has shut down. Any active subscriptions are frozen in their last state rather than cancelled. Your payment method may still be charged if outstanding billing authorizations remain in Modere's payment processor. This creates an unusual situation where the company no longer exists to process cancellations, but merchant charges may still attempt to process. Your bank or credit card issuer becomes your primary tool for stopping these charges and recovering money.

Your consumer rights and what they mean for you

Under the Competition Act and provincial consumer protection legislation, Canadian consumers have specific rights even when a company ceases operations.

Your legal position under canadian consumer law

The Competition Act protects you from unfair business practices and misleading advertising. If Modere continues to charge your card after closing, this constitutes an unauthorized transaction. Provincial consumer protection acts (such as Ontario's Consumer Protection Act) entitle you to dispute charges and demand refunds when goods or services are not delivered. The key principle: a company cannot charge you for services it no longer provides, and a company closure does not erase your right to a refund for undelivered products or unauthorized charges.

Your financial institution is legally required to investigate and reverse unauthorized charges. This means you do not need Modere's permission to stop payment. Report any ongoing charges within your bank's dispute window (typically 60 to 120 days), and your bank must act on your behalf.

How the consumer protection act protects you

Ontario's Consumer Protection Act (and equivalent legislation in other provinces) prohibits unfair contract terms and requires businesses to deliver goods within a reasonable timeframe. If you paid for Modere products that never arrived, you are entitled to a full refund. The company's closure does not eliminate this obligation; instead, it transfers responsibility to Modere's creditors, receiver or liquidator (if one has been appointed).

If Modere filed for bankruptcy or insolvency, a court-appointed receiver may recover assets for creditors and customers. Contact the Office of the Superintendent of Bankruptcy Canada (OSB) to determine if an insolvency proceeding exists. Your legal position is strengthened by documentation of all charges, order confirmations and delivery failures.

Tocancel advises keeping records of every transaction, email and attempted contact with Modere to support any dispute or claim you file.

Methods to stop charges and request cancellation

You have multiple escalation pathways to cancel your Modere account and recover money, even though the company no longer operates its customer service channels.

Contact your bank or credit card issuer first

Your bank is your fastest and most effective tool. Call the customer service number on the back of your card and report the situation. Inform your bank that Modere has closed and charges are still appearing on your statement. Request an immediate stop-payment order or a chargeback (a formal dispute of the charge). Most banks will reverse the transaction within 5 to 10 business days once you file a dispute.

When you call, provide the following information:

• The date of each charge
• The amount charged
• The merchant name (Modere)
• Your Modere account number (if available)
• Proof that Modere has closed (you can reference the April 11, 2025 closure date)
• Confirmation that you did not authorize ongoing charges

Ask your bank to place a permanent block on any future charges from Modere. This prevents additional unauthorized transactions while your dispute is processed.

Send a formal cancellation letter to modere's last known address

Even though Modere's operations have ceased, sending a tracked cancellation letter creates a formal record of your intent to cancel and your request for refund. This document protects you if a receiver or liquidator later attempts to collect outstanding payments.

Send your letter via registered mail with proof of delivery to:

Modere Returns Department
Mississauga, Ontario
Canada

Or alternatively:

Modere
Burlington, Ontario
Canada

Your letter should include:

• Your full name and account number
• Your email address and phone number
• The date you opened the account
• A request to cancel all active subscriptions effective immediately
• A statement that you did not authorize any charges after the company closure
• Requests for refunds of any undelivered products or unauthorized charges
• The dates and amounts of disputed charges
• A request for written confirmation of cancellation

Keep a copy of this letter and the proof of delivery receipt for your records. Tocancel recommends sending this letter within 30 days of learning of the closure to establish a clear timeline.

Check for a court-appointed receiver or liquidator

When a company closes abruptly, a receiver or liquidator may be appointed to wind down operations and recover assets. This person or firm handles cancellations, refunds and customer complaints on behalf of the company's creditors.

Visit the Office of the Superintendent of Bankruptcy Canada website (OSB.gc.ca) and search for Modere. If an insolvency proceeding exists, you will find the receiver's or liquidator's contact details. Submit your cancellation request and refund claim directly to this contact.

File a proof of claim if the receiver invites creditors to do so. This document formally registers your right to receive a refund from any recovered assets.

Step-by-step process to stop charges immediately

Follow these steps in order to halt unauthorized charges and initiate your cancellation and refund request.

1. Contact your bank or credit card issuer by phone within 24 hours of discovering an unauthorized charge.
   • Inform them Modere has closed operations
   • Request an immediate stop-payment order on all future Modere charges
   • Ask them to reverse all charges made after April 11, 2025 (the closure date)
2. File a formal dispute or chargeback with your bank if the stop-payment does not reverse existing charges within 5 business days.
   • Provide all transaction dates, amounts and merchant information
   • Attach proof of the company closure (news articles, company announcement, or website confirmation)
3. Draft a formal cancellation letter and send it via registered mail to both the Mississauga and Burlington addresses.
   • Keep proof of delivery for your records
   • List all disputed charges and dates in your letter
4. Search the OSB.gc.ca website for a court-appointed receiver or liquidator.
   • Contact the receiver directly with your cancellation request and proof of claim
5. Document all communication in a single file (emails, call notes, bank statements, receipts).
   • If you need to escalate to a regulator or lawyer, this file will be essential

Refund timeline and what to expect

The refund process depends on which method you use and whether Modere's assets are being recovered through insolvency proceedings.

Bank chargebacks and stop-payment orders

Your bank typically processes a chargeback or stop-payment order within 5 to 10 business days. The transaction will be reversed to your account, and you will receive a confirmation letter from your bank. This is the fastest route to recover money.

Receiver or liquidator claims

If a receiver has been appointed, the timeline is longer. Receivers typically invite creditors to file claims within 30 to 90 days. Recovery depends on whether Modere has assets left to distribute. You may receive a partial or full refund, or no refund if assets are insufficient. The receiver will communicate the outcome in writing.

Formal legal claim

If other methods fail, you can file a claim in small claims court (for amounts under your province's limit, typically $15,000 to $35,000) or through civil court. Tocancel advises consulting a lawyer if your claim exceeds $5,000, as legal costs may outweigh recovery in smaller disputes.

Common mistakes customers make after a company closure

Many consumers feel helpless when a company suddenly closes, but taking action immediately is essential.

Delaying the bank dispute

You have a limited window to dispute charges with your bank. Most banks honour disputes filed within 60 to 120 days of the unauthorized charge. If you wait longer, your bank may refuse to reverse the transaction. Contact your bank today, not next month. The sooner you file, the sooner you receive your money back.

Assuming you cannot recover money because the company is gone

Many customers wrongly believe that a company closure means they have no recourse. This is false. Your bank is required by law to investigate and reverse unauthorized charges. A receiver or liquidator, if appointed, has a legal duty to address customer refund claims. You have power even when the company does not. Tocancel has helped thousands of consumers recover funds from closed companies by following the steps outlined in this guide.

Failing to keep records

Every email, receipt, confirmation number and bank statement is evidence. If you eventually escalate to a lawyer or court, documentation is your strongest tool. Create a folder on your computer today and save every piece of communication. Back it up.

Sending cancellation requests to inactive email addresses

Modere's customer service email is no longer monitored. Sending cancellation requests to inactive addresses wastes time. Instead, send a formal registered letter to the physical addresses listed above. A paper trail is more effective than an email that disappears into a dead inbox.

Actions to take after you cancel

Cancellation is not the end of your work; you must verify that no further charges occur and confirm that your refund has been processed.

Monitor your bank account for 90 days

Check your bank statement weekly for the next 3 months to confirm that no additional Modere charges appear. If a charge does appear after your stop-payment order, call your bank immediately and file a second dispute. This creates evidence that Modere's payment processor is still attempting unauthorized transactions despite your cancellation request.

Request written confirmation from your bank

Ask your bank in writing (email or letter) to confirm that a stop-payment order has been placed on your Modere account. Request that your bank send you a written confirmation of this order and the chargeback reversal. Save this document for your records.

Follow up with the receiver (if applicable)

If you discover that a receiver has been appointed, follow up on your claim every 60 days. Receivers handle many cases and respond faster to customers who send polite reminder emails. Include your original claim number (if assigned) and ask for a status update.

Report the issue to provincial consumer protection authorities

Contact your provincial consumer protection office (in Ontario, this is the Ministry of Government and Consumer Services). Report Modere's closure and ongoing unauthorized charges. This complaint creates an official record and helps regulators identify patterns of consumer harm. Tocancel encourages all affected customers to file complaints, as regulatory pressure can accelerate recovery efforts.

Checklist for cancelling your Modere subscription

Use this checklist to track your progress through the cancellation process.

Why tocancel helps Modere customers take action

Tocancel is a consumer rights resource dedicated to helping Canadians cancel subscriptions and recover money from companies that close or behave unfairly. We believe you have the right to understand the cancellation process, know your legal protections and take confident action.

Tocancel has helped thousands of consumers cancel Modere subscriptions and other services by providing clear, step-by-step guidance and connecting them with their legal rights. We translate complex consumer protection law into plain language so you can make informed decisions. When a company closes or continues charging after you cancel, Tocancel helps you hold them accountable.

Visit Tocancel at tocancel.com to explore cancellation guides for hundreds of services, find templates for cancellation letters and learn about your consumer rights in Canada. Tocancel is your partner in taking control of your subscriptions and finances.

Send your cancellation correspondence to these addresses

Use the addresses below to send your formal cancellation letter and refund claim.

Primary Modere Returns Address:

Modere Returns Department
Mississauga, Ontario
Canada

Alternative Modere Returns Address:

Modere
Burlington, Ontario
Canada

Send both letters via Canada Post Registered Mail with proof of delivery. Keep your receipts and confirmation numbers for your records. Include your account number, email address and phone number in each letter so you can be contacted if a response is possible.

For additional support, visit the Office of the Superintendent of Bankruptcy Canada at osb.gc.ca to confirm whether Modere has filed for insolvency and to identify your receiver contact. Tocancel recommends taking action within the next 30 days to preserve your legal rights and maximize your chances of recovery.