Manage Complete Savings

How to cancel complete savings and stop monthly charges

What complete savings is and why you might want to cancel

Complete Savings is a cashback membership programme run by the Webloyalty group that promises members access to discounts, monthly bonuses and rewards when they shop through participating retailers. You pay a monthly fee to keep your membership active, and in return you accumulate cashback on eligible purchases.

The service operates on a recurring-membership model: you get a free trial period (typically 30 days), then face automatic monthly renewal with a charge to your card. The membership agreement binds you to automatic billing until you actively cancel. If you've signed up and now want out, you're not alone - Stopee has helped thousands of consumers cancel unwanted memberships and reclaim control over their subscriptions.

Common reasons members cancel

Members cite several reasons for leaving: unexpected or higher-than-anticipated monthly charges, difficulty earning meaningful cashback from participating stores, unclear or restrictive redemption terms, and frustration with automatic renewal. Many discover that the retailers they shop at most frequently are not part of the scheme, making the membership fee a poor value.

When you should act

If you're in your trial period and want to leave, act now - you can typically cancel within 14 days without paying anything. If you're past the trial, you can still cancel, but you'll need to do it before the next billing date to avoid an extra charge. Stopee recommends checking your membership details today so you know exactly when your next renewal is due.

Complete savings pricing and billing structure

Understanding what you're paying for helps you decide whether the membership is worth keeping or if cancellation makes financial sense.

Your Membership Pack issued at enrolment contains the precise fee, billing dates and terms. If you've lost it, request a copy from Complete Savings before you cancel - having written confirmation of the fee and your trial end date strengthens your position if you later dispute a charge.

Your consumer rights under australian law

Australian Consumer Law gives you specific protections when you sign up for services like Complete Savings, particularly around trial periods, automatic renewal and misleading conduct.

Cooling-off rights and trial cancellations

If your trial period is longer than 14 days, you have a statutory 14-day cooling-off window to cancel without penalty. This right kicks in from the date you enrol. Cancelling during the trial means you pay nothing for that trial period and the membership never rolls over to a paid subscription. The Australian Competition and Consumer Commission (ACCC) enforces this right - keep records of your enrolment date and cancellation request as proof.

Automatic renewal protections

The Australian Consumer Law (Schedule 2) requires that before you are charged for automatic renewal, the service provider must obtain your express consent and clearly disclose the key terms: the trial end date, the recurring fee amount, and how to cancel. If Complete Savings did not make this crystal clear at signup, or if the charge appeared without warning, you may have grounds to dispute it and request a refund from your bank.

Misleading or deceptive conduct

If you were not clearly told that the trial would auto-renew, or if the fee or terms were presented in confusing or hidden language, you can lodge a complaint with the ACCC. This is a serious lever: the regulator can force refunds and take enforcement action against the operator.

How to cancel complete savings step by step

Stopee recommends using the most direct method available to you - online cancellation is fastest, but if that fails, follow up by post or phone to create a paper trail.

Cancelling online (fastest method)

1. Log into your Complete Savings account on the service website using your email and password.
2. Navigate to "Account settings," "Membership" or "Billing" (exact wording varies; look for a manage-account option).
3. Look for a "Cancel membership" or "Pause membership" button or link.
4. Read any exit surveys or retention offers - ignore them unless genuinely useful to you.
5. Confirm your cancellation request; the system should display a confirmation message with a cancellation reference number.
6. Pro tip: screenshot or print the confirmation page immediately, then save the reference number in a note on your phone or computer.
7. Check your email within 1 hour for a confirmation email from Complete Savings; if it doesn't arrive, wait 24 hours then contact support to verify the cancellation went through.

Cancelling by post (most documented)

If the online system fails or you want a physical record, send a registered or tracked letter to the postal address provided in your Membership Pack or on the Complete Savings website.

1. Write a short letter stating your name, email, membership number (or card ending), and request to cancel effective immediately or at the end of the current billing period.
2. Include the date of your letter and keep a copy for your records.
3. Address the letter to: Complete Savings, PO Box 5305, BN11 9WD, Lancing, United Kingdom
4. Send the letter by registered post (Australia Post) so you have proof of delivery.
5. Allow 5-7 business days for the letter to arrive in the UK, then a further 5-7 days for processing.
6. Follow up by email or phone 10 days after sending if you do not receive written confirmation of cancellation.
7. Warning: do not assume your cancellation has been received just because you posted it; track the parcel and demand acknowledgement in writing.

Cancelling by phone

1. Find the customer service phone number in your Membership Pack or on the Complete Savings website (calls may be routed to a UK number; costs will apply from Australia).
2. Call and ask to speak to a cancellation or customer service representative.
3. Have ready: your full name, email address, membership number, and the card used for billing.
4. State clearly: "I wish to cancel my Complete Savings membership effective [immediately / at the end of this billing period]."
5. Ask the representative to confirm your cancellation reference number, the effective date, and whether any remaining balance will be refunded.
6. Request that they email you a cancellation confirmation within 24 hours.
7. Pro tip: if the representative is evasive or claims they cannot cancel, ask to speak to a supervisor or escalation team - persistence works.

What happens after you cancel

The period immediately after cancellation is when misunderstandings often arise - here's what to expect and how to protect yourself.

Access and benefits after cancellation

Once you cancel, your access to Complete Savings benefits typically ends either immediately or at the end of your current paid period, depending on how you worded the cancellation request. Any cashback you've already earned but not yet redeemed may still be processed and paid out, but this varies by the membership agreement. Check the terms in your Membership Pack to see whether pending rewards survive cancellation.

Verifying the cancellation took effect

Monitor your bank or credit card statement closely for 2-3 billing cycles after cancellation. You should not see another charge from Complete Savings. If a charge appears after your cancellation date, escalate immediately:

• Contact Complete Savings customer service and demand an explanation and refund, citing your cancellation reference number and date.
• If the company refuses or does not respond within 14 days, lodge a chargeback dispute with your bank.
• If the dispute fails, consider escalating to the ACCC or seeking advice from a consumer advocacy service.

Reclaiming pending cashback

Some members discover that cancelled accounts cannot redeem accrued cashback. If this happens to you, request written clarification from Complete Savings about the status of your balance. Stopee recommends requesting a refund of pending rewards as compensation for the inconvenience - the company may honour this as goodwill.

Refunds and disputed charges

You may be entitled to a refund in several scenarios, and knowing when to push for one gives you real leverage.

Refunds you can request

You can request a refund for: charges incurred after your cancellation date (billing errors), unused time in your final paid period if you cancelled mid-cycle and the membership agreement allows it, trial fees paid if the trial terms were not clearly disclosed at signup, or any charge that violates the automatic renewal rules.

How to request a refund

1. Contact Complete Savings customer service by email with the subject line: "Refund request - membership [your membership number]."
2. State your reason clearly: for example, "I was charged on [date] after cancelling on [date]; I request a full refund of A$[amount]."
3. Attach screenshots of your statement, the cancellation confirmation, and any correspondence with the company.
4. Give the company 14 calendar days to respond with approval or a detailed explanation of why they refuse.
5. If they refuse or ignore you, escalate to your bank or credit card provider and lodge a dispute or chargeback request.
6. Pro tip: mention in your initial email that you are aware of your rights under Australian Consumer Law - this signals that you're informed and serious, and often speeds up approval.

Bank chargebacks and payment disputes

If Complete Savings does not refund you within 21 days, contact your bank and dispute the charge. Explain that you cancelled the membership and the company charged you afterward, or that the automatic renewal consent was not compliant with Australian Consumer Law. Banks take these disputes seriously and often reverse the charge without requiring the merchant to respond. Stopee has seen countless consumers recover disputed fees this way.

Common mistakes that delay or prevent cancellation

Cancelling a membership feels like it should be simple, but avoidable errors can trap you in the account for weeks - here are the pitfalls to dodge.

Not confirming receipt of your cancellation

The single biggest mistake is assuming the cancellation went through without independent confirmation. Online systems can fail silently; posts get lost; phone reps may mishear or fail to process your request. Always demand written confirmation - a reference number, an email, a letter - before you consider the job done. Stopee recommends following up 48 hours after your cancellation attempt if you haven't received written proof.

Cancelling during peak billing dates

If you cancel on the day your monthly fee is charged, or within a few hours of it, the payment may process before the cancellation takes effect. Aim to cancel at least 3 days before your billing date to give the system time to recognise the cancellation and block the charge.

Confusing "pause" with "cancel"

Some membership services offer a "pause" or "temporarily disable" option instead of permanent cancellation. Paused memberships often auto-reactivate after 3 or 6 months, and you'll be charged again. If you want out permanently, use the word "cancel," not "pause."

Losing your confirmation documents

Screenshots and emails are your only evidence if there's a dispute later. Save everything in a folder on your computer or phone: the cancellation reference, confirmation emails, and screenshots of your account dashboard showing the status as "cancelled." If the company later claims you never cancelled, these records will back you up.

Checklist before and after cancellation

Use this checklist to keep yourself organised and maximise your chances of a clean cancellation.

What others say: complete savings reviews and complaints

Feedback from real members reveals patterns worth understanding before you decide whether to cancel or give the service another chance.

Positive feedback

Members who stay happy with Complete Savings typically report genuine cashback rewards, especially if they shop regularly at partner retailers and proactively redeem their balance. These users appreciate the monthly bonuses and the simplicity of the earning model.

Common complaints

Negative reviews focus on three themes: unexpected monthly charges that seemed high relative to actual cashback earned, difficulty finding participating retailers in their local area, and frustration with automatic renewal and late cancellation notices. Several reviewers report that they forgot the membership was active and only discovered it when their bank statement flagged the charge.

What this means for your decision

If you're not actively shopping at the partner stores, or if the monthly fee exceeds the cashback you expect to earn, cancellation is the right move. Stopee recommends calculating roughly how much cashback you've earned in the past 3 months - if it's less than A$36.20, the membership is costing you money.

Where to send your cancellation by post

If you choose to cancel by post, send your letter to this address using registered post:

Complete Savings
PO Box 5305
BN11 9WD
Lancing
United Kingdom

Include your full name, membership number or card ending, and your cancellation request. Allow 10-14 days for processing and demand a written acknowledgement. If you don't receive confirmation within 21 days, follow up by phone or escalate the matter to your bank.

Final steps: cancellation summary and next actions

Cancelling Complete Savings is straightforward if you follow the right process: verify your billing date, choose your cancellation method, demand written confirmation, and monitor your account for at least one billing cycle afterward.

You have strong protections under Australian Consumer Law, especially if the membership was auto-renewed without clear consent or if you're still within a 14-day cooling-off window. If the company refuses to cancel or continues charging you, your bank and the ACCC are your allies.

Stopee has helped thousands of consumers take control of their subscriptions by providing clear, step-by-step guidance exactly like this. You now have all the information you need to cancel with confidence. Choose your method, act before your next billing date, and keep your confirmation documents safe. If you run into obstacles, Stopee's resources and guides can help you escalate further - visit stopee.com to access our full library of cancellation support tools.