Cancel Completesave: The Right Way

How to cancel Completesave in ireland and get your money back

What Completesave is and why you might want to leave

Completesave is a recurring cashback and rewards membership scheme that charges you a monthly fee (typically €12 in Ireland) after a 30-day free trial expires. You access the service online, claim cashback from partner retailers, and receive periodic bonuses. The problem: many Irish consumers report unexpected card charges they didn't authorise, confusion about how they were enrolled, difficulty cancelling, and refusal to refund unwanted charges. If this sounds familiar, you are not alone, and you have legal rights to recover your money. At Tocancel, we help you understand those rights and take action to cancel quickly and securely.

How the subscription works

When you shop with a participating retailer, you may be offered Completesave membership as an optional add-on at checkout. The operator gives you a 30-day trial period free of charge. After the trial ends, your membership renews automatically and you are charged €12 (or your region's equivalent) every month on your card. You log in to the Completesave website using your account credentials to access member offers, track cashback, and view available retailers. The membership terms state that rates and benefits can change, which means many members wake up to find themselves paying for a service they no longer actively use or never fully understood when they enrolled.

Typical subscription structure

Below is the standard Completesave billing model as reported by Irish members:

Common issues irish consumers face with Completesave

Across Irish consumer forums, complaint registries and review platforms, a clear pattern of problems emerges.

The complaints you see most often

• Unexpected recurring charges appear weeks or months after enrollment, often spotted only when you review your bank statement in detail.
• Confusion about how you were enrolled: many members report they did not deliberately sign up, or that subscription terms were hidden in a retailer's checkout flow.
• Difficulty locating account details and membership information once you are inside the system; tracking down how the account was created wastes time.
• Inconsistent refund outcomes: some consumers receive refunds without issue, others face delays, rejections or only partial refunds.
• Vague promotional messaging and small-print terms that disguise the true monthly cost and the steps needed to cancel.

What successful cancellations have in common

Consumers who achieved fast cancellations or refunds typically took a formal, documented approach from the start. They gathered evidence: copies of transaction dates, bank statements, and confirmation emails before contacting Completesave. This preparation strengthens your position significantly. When you arrive at the cancellation point with clear records, the company is more likely to process your request without delay or dispute. At Tocancel, we recommend you collect this evidence now, before you make contact, so that any escalation with the company or a regulator becomes straightforward.

Your legal rights when cancelling Completesave

You have strong consumer protections under Irish and European law when you want to cancel a recurring subscription and recover money unfairly charged.

Consumer rights act 2022 and your position

Under Ireland's Consumer Rights Act 2022, you have the right to cancel a distance contract (including online subscriptions) within 14 calendar days of conclusion, without penalty and without giving a reason. This is your cooling-off period. If Completesave enrolled you without your explicit, informed consent, or if the cancellation terms were not clear and prominent, you may also have grounds to request a refund beyond the 14-day window. Your legal position is this: the company must prove you gave clear, unambiguous consent to the recurring charge. If they cannot, the charge is unlawful. The Competition and Consumer Protection Commission (CCPC) enforces these rights and will investigate complaints if the company refuses to cooperate.

Distance selling regulations and unfair contract terms

Under the Consumer Contracts Regulations 2013 (implementing the Distance Marketing Directive), Completesave must provide you with clear cancellation information before you are bound. This means the cost, frequency, billing date, and cancellation method must be easy to find and understand. If these details were absent or hidden, the contract may be unfair or invalid. Many subscription services breach these rules by burying cancellation instructions or making the process deliberately difficult. You can cite this breach when you contact the company or escalate to the CCPC. Your legal position is clear: transparency is non-negotiable, and if the company failed to give it, you have a claim.

How to cancel Completesave step by step

You have two reliable methods to cancel your membership; the online method is fastest.

Cancel online through your account

1. Visit the Completesave website and log in with your email and password.
   • If you have forgotten your password, use the "Forgot Password" link on the login page.
   • Check your email (including spam folder) for the password reset link.
2. Navigate to your Profile or Account Settings section (usually in the top right menu).
   • Look for a tab or link labelled "Profile", "Account", "Settings" or "Membership".
   • Some accounts have a dedicated "Manage Subscription" or "Billing" section.
3. Find the cancellation or "Pause Subscription" option.
   • Read the confirmation message carefully; note any mention of refunds or notice periods.
   • If you see a "Pause" option instead of "Cancel", select "Cancel" to end the membership entirely.
4. Click "Cancel Membership" or equivalent and confirm your choice.
   • The system may ask why you are leaving; answer honestly but briefly.
   • Take a screenshot of the confirmation page showing the cancellation was processed.
5. Check your email immediately for a cancellation confirmation.
   • This email is your proof; save it or print it for your records.
   • If no email arrives within 2 hours, proceed to phone cancellation as a backup.

Cancel by phone with customer service

1. Call Completesave Customer Service at 1800 806 167.
   • Monday to Friday: 8 am to 8 pm.
   • Saturday: 9 am to 4 pm.
   • Calls to 1800 numbers are free from landlines and most mobile networks in Ireland.
2. When you connect, state your full name and the email address linked to your account.
   • The agent will verify your identity before discussing your account.
   • Be clear: "I want to cancel my Completesave membership permanently."
3. Ask the agent to confirm the cancellation date and whether you will be charged again.
   • Note the agent's name and the date and time of the call.
   • Ask them to email you a cancellation confirmation reference number.
4. Request they process the cancellation immediately to avoid any further charges.
   • If they say there is a notice period, ask for the exact date your subscription ends.
   • Record this date clearly for your records.
5. After the call, send an email to Completesave support confirming your cancellation request.
   • Reference the name of the agent and the date of your phone call.
   • Ask them to confirm cancellation by return email within 24 hours.
   • Keep this email chain in a safe folder for future reference.

Requesting a refund for unwanted charges

If Completesave charged you during the trial period, after you tried to cancel, or without your explicit consent, you have the right to request a full refund.

Steps to claim your money back

1. Gather your evidence: bank statements showing all charges, the dates they were taken, and your original order or sign-up confirmation.
   • Export or screenshot your Completesave account page showing your membership details and billing history.
   • Note the exact amounts charged and the dates; precision matters when disputing.
2. Contact Completesave directly by email or phone with a formal refund request.
   • State the reason clearly: "I did not authorise this charge" or "I cancelled on [date], but was charged on [date]."
   • Request a full refund of all unwanted charges within 14 days.
   • Attach copies of your evidence (do not send originals).
3. Allow 14 days for a response. If Completesave refuses or ignores you, escalate to your bank.
   • Contact your bank's fraud or dispute team and request a chargeback for unauthorised or duplicate charges.
   • Provide your bank with the same evidence: statements, screenshots, and your email to Completesave.
   • Your bank will investigate and may reverse the charge within 30-60 days.
4. If your bank is unhelpful, file a complaint with the CCPC.
   • Visit www.ccpc.ie and use their online complaint form.
   • Include all evidence and a clear summary of what happened.
   • The CCPC will investigate free of charge and can compel Completesave to refund you.

What counts as an unfair charge

You have grounds to request a refund if any of the following apply:

• You were charged during your 30-day free trial period (no charge should occur).
• You cancelled your membership but were billed after the cancellation date.
• You never explicitly consented to the recurring charge; it was added automatically or by default.
• The cancellation terms were not clear and easily accessible before you enrolled.
• You were enrolled without your knowledge through a third-party retailer's website.

Timeline: what happens after you cancel

Understanding what occurs after you submit your cancellation request prevents confusion and helps you monitor your bank account.

The cancellation timeline

Common mistakes to avoid when cancelling

Many consumers cancel carelessly and then find themselves fighting for refunds they could have prevented. Here is what not to do.

Errors that cost you time and money

• Cancelling without keeping a copy of the confirmation: always screenshot or save the confirmation email immediately. Without it, you cannot prove you cancelled if a charge appears later.
• Assuming the cancellation is complete after one attempt: follow up in writing (email) even if you cancelled online. A written record protects you if the company claims you never cancelled.
• Ignoring a final charge: many members cancel but are charged once more at the end of their billing cycle. Flag this immediately to your bank; do not assume it will self-correct.
• Failing to gather evidence before cancelling: do not cancel first and ask questions later. Export your billing history and take screenshots of your account details before you close it, as you may not be able to access them afterwards.
• Not requesting a refund in writing: verbal requests leave no trace. Always send a formal email requesting refunds, so you have proof for the CCPC or your bank if needed.

When to escalate: your next steps if Completesave refuses

If Completesave ignores your cancellation request or refuses to refund you, you have formal channels to pursue.

How to escalate a dispute

1. Send a formal written complaint to Completesave by email.
   • Reference all previous communications by date and detail.
   • Clearly state what you want (cancellation and/or refund) and by when.
   • Give them 14 days to respond in writing.
2. If Completesave does not respond or refuses, contact your bank's dispute team.
   • Request a chargeback for unauthorised or disputed charges.
   • Your bank has 30-60 days to investigate.
   • Provide all evidence: email chains, bank statements, and cancellation attempts.
3. File a complaint with the Competition and Consumer Protection Commission (CCPC).
   • Visit www.ccpc.ie and complete their online complaint form.
   • Include your case summary and all supporting documents.
   • The CCPC investigates free of charge and can compel refunds.
4. If the amount is under €2,000, you can bring a small claim in the District Court without legal representation.
   • Contact your local District Court and ask for a claim form.
   • File the claim with copies of your evidence.
   • The court will contact Completesave and schedule a hearing.

Contact details for escalation

The Competition and Consumer Protection Commission is your consumer watchdog in Ireland. If Completesave breaches your rights under the Consumer Rights Act 2022, the CCPC has the power to investigate and order refunds. You can file a complaint online at www.ccpc.ie, by phone at 0818 600 600 (Monday to Friday, 9 am to 5 pm), or by post at Bloom House, Railway Street, Dublin 1, D01 C576. At Tocancel, we encourage you to escalate if the company refuses to engage; regulators exist to protect you, and they take these complaints seriously.

Comparison: should you cancel or keep Completesave

Below is a practical guide to help you decide whether cancellation is right for you.

When to keep Completesave vs. when to cancel

Checklist: steps to complete before and after cancellation

Use this checklist to ensure you have covered every base before and after you cancel.

Before you cancel

• Export or screenshot your Completesave account page showing membership details and billing history.
• Download or screenshot your bank statements for the past 3 months showing all Completesave charges.
• Note the exact date of your original enrollment and the date of each charge in a document.
• Take a screenshot of the cancellation confirmation page immediately after you cancel.
• Save any promotional emails or terms and conditions you received when you enrolled.
• Write down the name, date, and time if you cancel by phone; ask for a reference number.

After you cancel

• Save or print the cancellation confirmation email sent by Completesave.
• Check your bank account daily for 7 days to ensure no further charges appear.
• Set a calendar reminder for 30 days after cancellation to verify no recurring charge has been processed.
• If a charge appears after cancellation, contact your bank immediately and request a chargeback.
• Keep all evidence (emails, statements, screenshots) in a dedicated folder for at least 12 months.
• If you requested a refund, follow up in writing every 14 days until it is processed or escalated.

Key takeaways: your cancellation action plan

You have the legal right to cancel Completesave at any time, and you can claim a refund if you were charged unlawfully. The Consumer Rights Act 2022 protects you: Completesave must have your explicit, informed consent to charge you repeatedly, and cancellation terms must be clear and accessible. If the company enrolled you without proper consent or buried the cancellation process, your claim is strong. Start by gathering evidence now: your bank statements, account screenshots, and any enrollment emails. Then cancel online (fastest) or by phone, and immediately request confirmation in writing. Monitor your account for 30 days to ensure no further charges appear. If Completesave refuses to cooperate, escalate to your bank for a chargeback, then to the Competition and Consumer Protection Commission if needed. At Tocancel, we have helped thousands of Irish consumers cancel unwanted subscriptions and recover refunds. You are entitled to the same outcome, and this guide gives you the tools to achieve it.

Contact information and next steps

If you need help understanding your rights or tracking your cancellation, Tocancel is here to support you.

Completesave contact details

Completesave Customer Service: 1800 806 167 (Monday to Friday, 8 am to 8 pm; Saturday, 9 am to 4 pm). Website: Completesave.com (log in to your account to cancel online). Email support: available through your account portal.

Irish consumer authorities

Competition and Consumer Protection Commission (CCPC): www.ccpc.ie | Phone: 0818 600 600 | Address: Bloom House, Railway Street, Dublin 1, D01 C576. Your bank's dispute team: contact your bank's customer service line to request a chargeback for unauthorised charges.

Your next move

Do not delay. Gather your evidence today, cancel within the next 48 hours, and monitor your account for 30 days. If Completesave refuses, file a complaint with the CCPC immediately. Tocancel has guided thousands of consumers through this exact process, and you deserve the same result: swift cancellation and fair refunds. Take action now.