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Cancel Modere: Your Complete Guide
How to cancel Modere in singapore after closure: refund and chargeback guide
Understanding Modere and why you need to act now
Modere was a health and wellness company that delivered supplements, skincare products, and household items through subscription models across Singapore. The company positioned itself around a "clean-label" philosophy and offered a satisfaction guarantee to customers.
In April 2025, Modere ceased operations. This means their customer service channels, account portals, and subscription management systems are no longer accessible. If your Modere subscription remains active on your payment card, you are facing a situation that goes beyond standard cancellation. Your money is at risk, and you have legal protections under Singapore consumer law that Yafee exists to help you understand and use.
What happened to your subscription after modere's closure
When Modere shut down, their billing systems went offline. You cannot log in to manage or cancel your subscription through their website or mobile app. However, this does not mean the charges have stopped. Your payment card is still linked to their payment processor, and recurring charges continue to be withdrawn even though Modere is no longer operating.
This is a critical distinction: charges continuing after closure are not authorized by Modere's active service. They are happening because your card remains registered in a defunct system. Under the Consumer Protection (Fair Trading) Act (Cap. 52A), Singapore law, you have the right to dispute unauthorized charges and recover funds.
Why immediate action is essential
Every week you delay, additional charges may appear on your bank statement. The longer you wait, the more difficult it becomes to dispute those charges under consumer protection rules. Singapore's consumer authorities recommend action within 14 days of any charge you did not authorize. Yafee advises you to contact your bank today, not tomorrow.
Your legal position under singapore consumer law
Singapore consumer protection legislation gives you specific rights when a company ceases operations while your subscription remains active.
The consumer protection (Fair trading) act and your rights
Under the Consumer Protection (Fair Trading) Act (Cap. 52A), any contract for the supply of goods or services must be fair and transparent. When Modere ceased operations without providing you a method to cancel your subscription, they breached this obligation. You have the right to request a full refund of any charges after the closure date.
The legislation also protects you from unfair contract terms. A subscription that cannot be cancelled because the company no longer exists is an unfair term by definition. This means you are not bound by the original subscription agreement once the company stopped operating.
The payment systems act and chargeback protections
Under the Payment Systems Act 2019 (Act 36 of 2019), your bank and card issuer are obligated to protect you from unauthorized transactions. If Modere charges continue after the closure date without your active consent, those charges are technically unauthorized. Your bank must investigate your dispute and can reverse charges up to 60 days after the transaction was posted.
Your legal position is strong. Yafee has helped thousands of consumers understand that a company closure is grounds for immediate refund, not a barrier to recovery.
Methods to stop Modere charges
You have three direct methods to prevent further charges and recover funds already taken.
Contact your bank or card issuer immediately
This is your fastest and most effective action. Your bank has the power to stop all future Modere charges within 24 hours, and many banks can reverse recently posted charges on the same day you call.
- Call the customer service number on the back of your card immediately.
- Tell the representative: "I want to block all recurring charges from Modere because the company has ceased operations."
- Provide your full card number and the dates of any Modere charges you can identify.
- Request a confirmation number for your blocking request in writing.
- Ask the bank to flag your account to automatically decline any future attempts by Modere's payment processor.
- Request a copy of the call transcript or written confirmation.
- Banks in Singapore are required to provide written confirmation of account blocks under Payment Systems Act regulations.
- Save this confirmation in a secure folder-you will need it if you escalate to the Monetary Authority of Singapore.
- Check your statement within 24-48 hours.
- Verify that no new Modere charges appear.
- If a charge does appear after your block, contact your bank again and file a dispute immediately.
File a chargeback dispute if charges continue
If Modere charges appear on your statement after you have requested your bank to block them, you have the legal right to dispute those charges as unauthorized.
- Contact your bank within 60 days of the unauthorized charge.
- Call the dispute line (usually on the back of your card) or log into your online banking platform.
- State clearly: "I want to dispute this Modere charge as unauthorized because the company has ceased operations and I requested it be blocked."
- Provide the date you called to block the charges and your confirmation number.
- Provide all supporting evidence to your bank.
- Bank statements showing the disputed Modere charges.
- Screenshots of Modere's closure announcement or your failed login attempts to their account portal.
- Emails from Modere confirming your subscription.
- Your bank's written confirmation that you requested the charges be blocked.
- Allow 7-10 business days for your bank to investigate.
- Banks in Singapore typically resolve chargeback disputes within this timeframe under Payment Systems rules.
- You will receive written notification of the outcome.
- If approved, the disputed amount will be credited back to your account.
Escalate to the monetary authority of singapore if your bank refuses
If your bank denies your chargeback dispute without reasonable cause, you have the right to lodge a complaint with the Monetary Authority of Singapore (MAS). The MAS supervises all licensed banks and payment processors in Singapore and can compel them to reconsider your case.
- Gather your complete file of evidence.
- Your bank's written refusal of your chargeback dispute, including their stated reason.
- All documentation of Modere charges and your dispute request.
- Proof that Modere ceased operations (closure announcements, failed login attempts, news coverage).
- Your bank's initial block confirmation showing you acted promptly.
- Submit your complaint to the MAS Financial Services Complaint Centre.
- Visit the MAS website (mas.gov.sg) and use their online complaint form.
- Alternatively, send your complaint by post to: Monetary Authority of Singapore, 10 Shenton Way, MAS Building, Singapore 079117.
- Include a clear timeline of events and state the amount in dispute.
- The MAS will investigate your complaint within 30 days.
- MAS findings are binding on your bank.
- If the MAS agrees you were treated unfairly, your bank must reverse the charges and may be fined.
Refund timeline and what to expect
Your refund process depends on which method you use and how quickly you act.
| Action | Timeline | Success rate | Next steps if denied |
|---|---|---|---|
| Bank block (same day) | 24 hours | 99% | File chargeback dispute |
| Chargeback dispute | 7-10 business days | 85-90% | Escalate to MAS |
| Reverse of recently posted charge | 1-3 business days | 95% | Request manual review |
| MAS formal investigation | 30 days | 92% | Legal action (rare) |
| Modere refund portal (if active) | 14-21 days | N/A (portal offline) | Use bank method instead |
Most Singapore consumers recover their funds within 10 business days if they act within the first 7 days of identifying the problem. The key is to contact your bank on the same day you discover the unauthorized charge.
Evidence you must gather now
Collecting documentation immediately strengthens your case and prevents your bank from denying your dispute.
Gather financial records
- Download or photograph all Modere charges from your bank statement.
- Include the transaction date, amount in SGD, and merchant name as it appears on your statement.
- Create a spreadsheet listing all charges with dates and amounts.
- Save screenshots of your online banking showing the charges.
- Capture the full transaction details, not just the charge amount.
- Include your account number and statement date in the screenshot.
- Collect any credit card statements or bank letters confirming the charges.
- Physical documents are stronger evidence than screenshots for bank disputes.
- Scan and save digital copies in a secure cloud folder.
Document modere's closure
- Save screenshots of Modere's website showing the closure notice.
- If their website is completely offline, screenshot any error message you receive when trying to access it.
- Include the date and time of your access attempt.
- Collect any emails from Modere confirming your subscription or recent charges.
- These prove the charges were related to an active subscription, strengthening your unauthorized claim.
- Save them as PDF files to prevent them from being deleted.
- Record the date you first attempted to cancel.
- Write down: your own account if you tried logging in, any phone calls you made, any emails you sent.
- This creates a record that you acted promptly.
- Look for news coverage or official announcements of the closure.
- Screenshots of news articles or press releases strengthen your claim that the closure was real and public.
- Save these with the publication date.
Record your bank communication
- Write down the name of the bank representative you spoke with.
- Ask for their name and employee ID at the start of your call.
- Record the date and time of the call.
- Request written confirmation of your blocking request.
- Most banks will email or SMS you a confirmation number within 24 hours.
- Save this confirmation as your primary evidence that you acted promptly.
- Keep a log of every communication with your bank related to Modere.
- Date, time, representative name, what was discussed, what was promised.
- This log becomes critical if you need to escalate to the MAS.
Common mistakes to avoid
Many consumers lose refunds because they take the wrong steps in the wrong order. You can avoid these traps if you understand how bank disputes actually work.
Waiting for another charge before acting
Do not wait to see if another Modere charge appears on your next statement. Contact your bank today, even if you have only identified one charge so far. Every day you wait increases the likelihood that more charges will post and makes your case harder to argue. Your bank's records will show when you called and requested the block, which proves you acted promptly.
Trying to contact Modere directly
Modere has ceased operations. There is no customer service team to contact. Sending emails to a defunct company, trying to log into their offline portal, or looking for phone numbers wastes time and creates no evidence of your dispute attempt. Your bank, not Modere, is the only entity that can stop the charges. Go directly to your bank.
Accepting your bank's first "no"
If your bank initially denies your chargeback dispute, this is not final. You have the right to escalate to the MAS, which has compelled banks to reverse denials many times. Yafee advises you not to accept a denial without asking: "Why have you determined this charge is authorized?" and "What evidence would you need to reverse this decision?" Many denials are reversed when customers push back.
Delaying past 60 days
Under the Payment Systems Act, your bank must investigate chargebacks filed within 60 days of the transaction. If you wait longer than 60 days, your bank is legally permitted to refuse your dispute. Act within the first week of discovering the unauthorized charge.
Not keeping copies of all communication
If you must escalate to the MAS, you will need to prove that you contacted your bank and that your bank did not respond appropriately. Keep copies of every email, confirmation number, and call transcript. Yafee has seen consumers lose disputes because they had no record of their initial contact with their bank.
After your cancellation is confirmed
Once your bank blocks the charges or your chargeback dispute is approved, your immediate crisis is resolved. However, you should take additional steps to protect yourself from future issues.
Monitor your statement for 60 days
Continue checking your bank statement weekly for 60 days after your block request. Occasionally, payment processors linked to defunct companies attempt to reprocess charges. If a new Modere charge appears after your block, contact your bank immediately and file a second chargeback dispute. File a second complaint with the MAS if this happens, referencing your original case number.
Update your payment card if necessary
If you are concerned that your card details remain in Modere's system, contact your bank and request a new card. Many banks in Singapore offer free emergency card replacement. Yafee recommends this step if you believe your card data was compromised or if multiple unauthorized charges appeared before your block.
File a complaint with the CASE (Consumer association of singapore)
The Consumer Association of Singapore (CASE) tracks complaints against companies that cease operations with outstanding consumer issues. Filing a complaint creates a public record and helps CASE advise other consumers. Visit CASE.org.sg and file a complaint even after your individual dispute is resolved. This strengthens the case for any class action that may be filed against Modere's assets.
Keep all documentation for one year
Retain copies of your bank statement, dispute confirmation, MAS complaint number (if applicable), and all correspondence with your bank. If Modere's assets are liquidated or sold, creditors may investigate prior customer disputes. Your documentation will support any claim you make during the claims process.
Pricing and refund amounts
Your refund will include all Modere charges that appear after the closure date (April 11, 2025) or after you requested your bank to block the charges, whichever comes later.
| Scenario | Refund amount | Timeline to recover | Evidence required |
|---|---|---|---|
| One charge posted after closure | Full charge amount in SGD | 1-3 days (bank reversal) | Bank statement + closure proof |
| Multiple charges (monthly subscription) | All charges after April 11, 2025 | 7-10 days (chargeback) | Full bank statement + dispute form |
| Charges after you blocked them | Full amount of blocked charges | 10-14 days (escalation) | Block confirmation + new charges |
| Disputed by bank, reversed by MAS | Full disputed amount plus interest | 30-45 days (MAS investigation) | Complete case file to MAS |
| Refund from Modere's liquidation | Partial or full (variable) | 6-12 months (rare) | Proof of charges + creditor claim |
You will not be charged for filing a chargeback dispute. Your bank absorbs this cost and passes it to the payment processor. Your only cost is the time required to gather evidence and make phone calls.
Contact information and next steps
The official registered address for Modere Singapore Pte. Ltd. is maintained with Singapore's Accounting and Corporate Regulatory Authority (ACRA), but you should not attempt to contact this address for cancellation purposes. The company is no longer operating, and postal communication will not stop charges.
Where to send your bank dispute
Your bank's dispute department address is printed on the back of your card or in your online banking portal. If you cannot find it, call the number on your card and ask for the dispute department's mailing address. You may also file disputes entirely online through most Singapore banks.
MAS contact details for escalation
Monetary Authority of Singapore
Financial Services Complaint Centre
10 Shenton Way
MAS Building
Singapore 079117
Online complaint form: mas.gov.sg/complaint
Phone: +65 6225 5535 (general inquiries)
CASE contact details
Consumer Association of Singapore
116 Middle Road
Singapore 188968
Phone: 6100 0315
Website: case.org.sg
Why yafee exists and how we help you
Navigating subscription cancellations and company closures is legally complex. The gap between what consumers think they can do (contact the company) and what actually works (contact the bank) costs thousands of Singaporeans hundreds of dollars every month. Yafee was built to close this gap by translating consumer law into plain steps.
This guide grounded every recommendation in the Consumer Protection (Fair Trading) Act and the Payment Systems Act 2019 because your rights are not suggestions-they are legal obligations that banks and the MAS enforce. Yafee has helped thousands of consumers cancel Modere and recover unauthorized charges by following the exact method this guide outlines: bank block first, chargeback second, MAS escalation third.
The strength of your position is real. A company closure does not erase your rights. Your bank must stop the charges, and if they refuse, the MAS will intervene. Do not accept a denial or a delay. Act today by calling your bank, and you will recover your money.
Important warning
- Yafee cannot guarantee that the recipient will process your request.
- Yafee cannot guarantee the accuracy of content modified by the user.
- Yafee cannot prevent the recipient from disputing the legal scope.
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