How to cancel Completesave and reclaim your money in ireland

What is Completesave

Completesave is a recurring membership programme that promises cashback rewards and discounts when you shop through partner retailers across Ireland. You pay a monthly subscription fee, typically around €12, after a 30-day trial period concludes, and the service claims to deliver ongoing savings and periodic bonuses. The issue: many Irish consumers report unexpected recurring charges on their card statements, confusion about how their enrollment occurred, and frustration when attempting to cancel or obtain refunds. Yafee specialises in guiding consumers through subscription cancellations, and this guide will walk you through every step required to exit Completesave legally and securely.

How Completesave works in practice

When you complete a purchase with a participating retailer, you may be offered membership as an add-on during checkout. The operator forwards you a trial period-typically 30 days-during which you can test the service at no cost. After the trial expires, the recurring monthly charge activates automatically on your payment card. You access your membership through the Completesave website using your login credentials, where benefits, retailer listings and promotional offers are updated regularly. The membership agreement specifies that terms and pricing can change unilaterally, which explains why many members find themselves paying for a service they no longer use or never fully understood.

Subscription structure at a glance

Completesave operates on a straightforward recurring billing model that is easy to overlook. Below is the typical structure reported by Irish members:

Common complaints and red flags

Across Irish consumer forums, review sites and complaint registries, a consistent pattern emerges-and Yafee has tracked these issues to help you avoid the same traps.

What irish users report most often

• Unexpected recurring charges appearing weeks or months after joining, often noticed only when reviewing a bank statement in detail.
• Confusion about consent: many members state they never deliberately signed up, or that subscription terms were buried in a partner retailer's checkout flow.
• Difficulty locating or understanding membership details once enrolled; tracking down how the account was created wastes valuable time.
• Mixed results when requesting refunds; some consumers succeed, others face delays or partial resolutions.
• Opaque promotional messaging and small-print terms that make it easy to miss the real cost and cancellation instructions.

What helps users resolve issues quickly

Consumers who achieved refunds or swift cancellations typically followed a formal, documented approach. Persistence matters: users who kept copies of transaction dates, card statements and confirmation references reported better outcomes. Yafee advises you to gather this evidence before you contact the company, as it strengthens your legal position and makes any escalation smoother.

Your consumer rights in ireland

You have legal protection when dealing with recurring subscriptions, and understanding these rights is crucial if Completesave refuses to cancel or refund you.

The consumer rights act 2022 and your protection

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 providing any reason. This cooling-off period is non-negotiable. Furthermore, the Act requires that Completesave must provide clear, accurate information about the subscription terms, total cost and cancellation method before you commit to payment. If Completesave failed to disclose these details clearly, your cancellation rights extend beyond the 14-day window.

Additionally, the Consumer Rights Act 2022 stipulates that any subscription must be renewed only after you provide explicit, informed consent. Automatic renewal without clear prior agreement is unlawful. If you enrolled via a third-party retailer and were not presented with transparent cancellation instructions, Completesave has breached its statutory obligation.

Your legal position on recurring charges

You are entitled to:

• Cancel your subscription at any time, provided you follow the cancellation method specified in your contract.
• Receive a full refund of any charges you dispute if they were levied without your explicit consent or outside the trial period.
• Request a refund within 90 days of any charge you believe was unauthorised, under the Payment Services Directive (PSD2).
• Escalate your complaint to the Competition and Consumer Protection Commission (CCPC) if Completesave refuses to respond or comply with your cancellation request within 30 days.

Yafee emphasises that you need not accept delays or partial refunds; the law on your side is clear.

How to cancel Completesave step by step

You have two primary methods to cancel: online through your account portal or by telephone with customer service. Below is the exact procedure for each.

Method 1: cancel online via your account

This is the fastest and most documentable route. Follow these steps precisely:

1. Visit the Completesave website and log in with your email address and password.
   • If you have forgotten your password, use the "Forgot Password" link to reset it before proceeding.
2. Navigate to your Profile or Account Settings section (usually found in a menu at the top right of the page or in a user dashboard).
   • Look for tabs labelled "My Account", "Subscription", "Membership" or "Settings".
3. Locate the cancellation or subscription management option-this may be labelled "Cancel Membership", "End Subscription" or "Manage Billing".
   • Some accounts display this under a dedicated "Subscription" tab.
4. Click the cancellation button and confirm your intention to cancel when prompted.
   • You may be presented with a retention offer or survey; you are not required to accept any offer or complete any survey.
5. Completesave will display a confirmation screen with a cancellation reference number. Screenshot or print this page immediately.
   • This reference is your proof of cancellation and critical if you later dispute any charges.
6. Check your email inbox (including spam and promotions folders) for a cancellation confirmation email from Completesave.
   • Forward this email to yourself or save it as a PDF for your records.

Method 2: cancel by telephone

If the online portal is unavailable or you prefer direct contact, call Completesave's customer service team:

1. Call 1800 806 167 (this is a free Irish landline number).
   • Monday to Friday: 8 AM to 8 PM.
   • Saturday: 9 AM to 4 PM.
   • The service is closed on Sundays and public holidays.
2. When you reach an agent, state clearly: "I wish to cancel my Completesave membership effective immediately."
   • Do not negotiate or accept retention offers unless you genuinely wish to stay.
3. Provide your account email address and any membership number or reference the agent requests.
   • Verify that the agent has located your correct account before proceeding.
4. Request a verbal confirmation of your cancellation, including the date it takes effect and any reference number.
   • Ask the agent to repeat this information back to you.
5. Request that Completesave email you a written cancellation confirmation immediately after the call.
   • Emphasise that you require written proof for your records.
6. Record the agent's name, the call date and time, and any reference number provided. Write this down immediately after the call ends.
   • Store this information in a safe place alongside any emails you receive.

What cancellation means for your billing

Once your cancellation is confirmed, Completesave should not charge your card again. Nevertheless, you must verify this by monitoring your bank statements for the next two billing cycles. If a charge appears after your cancellation date, contact your bank or credit card issuer immediately and dispute the charge as unauthorised.

Reclaiming refunds and disputed charges

If you have already paid subscription fees and believe they were unauthorised or that you were not given proper notice before renewal, you can reclaim them.

Requesting a refund directly from Completesave

Follow these steps to request a full refund of unwanted charges:

1. Gather your evidence: collect your bank statements showing each Completesave charge, the dates they were deducted, and the amounts.
   • Screenshots of your bank or credit card app showing the transactions are acceptable.
2. Identify the specific charges you dispute. Note whether you were within the 14-day trial period, whether you received clear cancellation instructions, or whether you believe you never consented to renewal.
   • Write a brief reason for each disputed charge (e.g. "Charged 15 February 2024 despite cancellation on 10 February 2024").
3. Compose a formal email to Completesave's customer service email address (obtain this from their website or your cancellation confirmation email).
   • Use a professional tone and include your full name, account email and membership number.
   • State: "I request a full refund of € [amount] for charges dated [dates], as they were levied without my explicit consent and outside the trial period. Under the Consumer Rights Act 2022, I am entitled to this refund. Please process this within 14 days."
4. Attach scans or screenshots of your disputed transactions and your cancellation confirmation (reference number or email).
   • Label your attachments clearly (e.g. "Bank Statement Feb 2024", "Cancellation Confirmation").
5. Send the email via recorded delivery (An Post) or use your email provider's read receipt feature to confirm Completesave received it.
   • Keep the email in your "Sent" folder and any delivery receipt.
6. Wait 14 days for Completesave's response. If they refuse or do not reply, proceed to the next step.
   • Yafee recommends keeping all communications for escalation purposes.

Disputing charges via your bank or credit card provider

If Completesave refuses to refund you, you can dispute the charges directly with your bank or credit card issuer under the Payment Services Directive (PSD2). This process is called a "chargeback" or "dispute":

1. Contact your bank or credit card provider by phone, email or online banking portal.
   • Request the dispute or chargeback process for unauthorised recurring charges.
2. Provide the bank with your evidence: transaction dates, amounts, your cancellation reference, and any emails from Completesave.
   • Explain that the charges were unauthorised because you were not given clear cancellation instructions or consent to renewal.
3. The bank will investigate and typically reverse the disputed charges within 10 to 15 working days if your case is strong.
   • You will receive written confirmation of the outcome.
4. Keep all correspondence from your bank for your records.
   • This evidence supports any future escalation to the CCPC if needed.

Escalating to the competition and consumer protection commission

If Completesave ignores your refund request or your bank's dispute fails, you can lodge a formal complaint with the Competition and Consumer Protection Commission (CCPC), Ireland's national consumer protection authority:

1. Visit the CCPC website (ccpc.ie) and navigate to their complaints procedure.
   • You will be asked to provide a detailed description of your issue, your evidence and any previous attempts to resolve it.
2. Submit your complaint online, including copies of all relevant documents (cancellation confirmation, bank statements, emails, refund requests).
   • The CCPC accepts complaints free of charge.
3. The CCPC will contact Completesave and request a formal response within 30 days.
   • Completesave must comply or face enforcement action.
4. The CCPC will review both your statement and Completesave's response and issue a recommendation or determination.
   • Although the CCPC's recommendations are not legally binding, companies typically comply to avoid regulatory scrutiny.

After cancellation: what to expect

Your cancellation is not complete until you confirm that no further charges appear on your account. Monitor your finances actively for 60 days after cancellation to ensure Completesave honours your request.

Monitor your card statements

Check your bank or credit card statement for the next two billing cycles after your cancellation date. You should see no charge from Completesave. If a charge does appear:

• Do not ignore it. This indicates a processing error or a deliberate breach of your cancellation instruction.
• Immediately contact your bank or credit card provider and dispute the charge.
• Keep a record of the erroneous charge and your dispute reference number.
• Send a follow-up email to Completesave's customer service with your cancellation confirmation, the disputed charge details and your bank's dispute reference.

Loss of access to your account

After cancellation, Completesave may disable your login credentials within 2 to 7 business days. This is normal. You will no longer be able to access any account benefits or promotional offers. If you cannot log in immediately after cancellation, this does not indicate a problem.

Retention of your personal data

Completesave will retain your personal data (name, email, payment details) for compliance and tax purposes. If you wish to request deletion of your data, send a formal Data Subject Access Request (DSAR) under the General Data Protection Regulation (GDPR) to Completesave's Data Protection Officer. You are entitled to this right free of charge.

Common mistakes to avoid when cancelling

You are not alone if you have struggled to cancel; Yafee has helped thousands of consumers navigate subscription services. The following errors can delay or complicate your cancellation. Avoid them:

Mistake 1: cancelling through a third-party retailer instead of Completesave directly

If you enrolled via a partner retailer (e.g. during an online purchase), do not assume that retailer can cancel your membership. You must contact Completesave directly via their website or phone line. Retailers often do not have access to Completesave's backend systems.

Mistake 2: assuming your cancellation is complete without written confirmation

Never assume your cancellation has taken effect based on a phone call alone or a verbal promise from an agent. You must obtain written proof: a cancellation reference number, a confirmation email or a screenshot of an online cancellation confirmation. Without this, Completesave can deny your cancellation if a charge appears later.

Mistake 3: deleting the confirmation email or deleting your email account

Preserve all communications from Completesave indefinitely. Move important emails (cancellation confirmation, refund responses) to a dedicated folder or download them as PDFs. If you delete your email account, Completesave may claim they have no record of your cancellation.

Mistake 4: ignoring a charge after cancellation

If you notice a charge after your cancellation date, act immediately. Contact your bank within 8 weeks of the charge to dispute it. After 8 weeks, your bank may refuse to reverse it. Yafee emphasises that prompt action is essential.

Mistake 5: providing incomplete or incorrect information to Completesave

When you contact Completesave, ensure you provide your exact account email address and any membership number or reference. If you provide the wrong information, the agent may cancel the wrong account or be unable to locate your record. Double-check all details before submitting.

Pricing comparison and what you will save

Below is a breakdown of typical Completesave costs and what you will save by cancelling now:

If you cancel within the 30-day trial period, you save €144 in Year 1 and €720 over five years. Even if you cancel after one year, you eliminate all future charges.

Do you need to stay subscribed?

Before you cancel, consider whether Completesave genuinely delivers value. Ask yourself:

• Have you redeemed cashback or used promotional offers in the last three months? If not, the service is not serving you.
• Do the partner retailers overlap with your regular spending? If you rarely shop at their partners, cashback is negligible.
• Are there hidden fees or reduced benefits since you enrolled? If terms have changed, the service may no longer be worth €12 per month.
• Could you achieve equivalent savings through free cashback apps (e.g. TopCashback, Quidco) or direct retailer loyalty schemes? If yes, cancel immediately.

Yafee recommends cancelling if you have not used the service actively in 30 days or if the promotional offers no longer match your spending patterns. Passive subscriptions drain your account without return.

Comparison: Completesave vs. alternative cashback services

If you are considering switching to a different cashback provider instead of cancelling entirely, review this comparison:

All free alternatives offer higher partner-retailer counts and require no ongoing payment. Yafee recommends comparing your typical monthly spending against cashback rates before committing to any paid service.

Contacting Completesave for cancellation

If you are unable to cancel online, use one of these contact methods:

Phone cancellation

• Phone: 1800 806 167 (free Irish landline number)
• Hours: Monday to Friday 8 AM to 8 PM; Saturday 9 AM to 4 PM
• Closed: Sunday and public holidays

Online cancellation

• Log in to your account on the Completesave website
• Navigate to Profile or Account Settings
• Select Subscription or Cancellation option
• Confirm your intention to cancel

Email escalation

• If Completesave fails to respond to your phone or online cancellation request within 5 business days, send a formal cancellation demand email to their customer service address (available on their website or your confirmation emails)
• Include your account email, membership number and the phrase: "I request immediate cancellation of my membership effective today, in accordance with the Consumer Rights Act 2022"
• Send via recorded delivery (An Post) or email with read receipt enabled

Summary and next steps

Cancelling Completesave is straightforward when you follow the legal process and document every step. You have two primary cancellation routes (online or phone), and you are protected by Ireland's Consumer Rights Act 2022. If Completesave refuses to cancel or refund unauthorised charges, you can escalate your complaint to the CCPC at no cost.

Yafee has guided thousands of Irish consumers through subscription cancellations, and the process is far less daunting when you know your legal rights and take action immediately. Begin your cancellation today by logging into your Completesave account or calling 1800 806 167. Retain all confirmation details and monitor your bank statements for 60 days to ensure no further charges appear. If you encounter resistance or disputed charges, Yafee's legal resources and contact information for the CCPC are always available to support your escalation. Your money and your peace of mind are worth the time investment now.