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16-25 Railcard Complete Savings

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SouthEastBuses

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Hi, I just finished applying for my 16-25 railcard and I am also taking part of the Complete Savings scheme, so that I can get my £16 back.

I have a question however. On the address field, do I need to put my usual address, or my student accommodation address? I am currently a student at Oxford Brookes University but otherwise I live in Horsham West Sussex, so do I put my Oxford or Horsham address?
 
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Mcr Warrior

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Isn't this the scheme that charges a fair-sized monthly "membership fee" after the initial 30 day period? :!:
 

Hadders

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I'd be very wary of this scheme. After a free trial you pay a monthly fee to be able to earn cashback on purchases. Are you really going to spend enough to cover the monthly fee, let alone the cost of the railcard?
 

py_megapixel

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Ideally, you need to put in none of your data. Complete Savings is an excellent example of the dodgiest you can get without actually being an outright scam.
To get your £16 back, you are giving away an awful lot of your personal information and also agreeing to pay a £15 per month subscription which looking at online reviews is difficult to cancel.

It is not a railway-run scheme and frankly I think it's disgusting that RDG allows them to piggyback off their websites, but that's for another thread.
 

danm14

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Complete Savings is a legal scam.

You sign up for a one month free trial of a £15/month subscription that entitles you to £15/month cashback. They capitalise on people forgetting to cancel.

If you do go through the (intentionally complex) process of claiming the cashback and remember to cancel, you will get it. You can exploit their free trial and make a total of just over £45 from them if you make two additional purchases of any value in two separate calendar months from a participating retailer (Argos is the obvious one) and go through the process again for them before your free trial ends.

If you don't 100% certainly have the discipline to follow the process and remember to cancel, ignore it. And if you do decide to do it, use a spare bank account with no balance and no overdraft.
 

Mcr Warrior

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I made a huge mistake then. What's your advice on cancelling the subscription?

Their website says to e-mail them at <[email protected]> or to call their Customer Service team on 0800 389 6960 (Monday to Friday 8:00am - 8:00pm and Saturday 9:00am - 4:00pm).

You can also cancel your membership using a cancellation form available online.
 

SouthEastBuses

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Their website says to e-mail them at <[email protected]> or to call their Customer Service team on 0800 389 6960 (Monday to Friday 8:00am - 8:00pm and Saturday 9:00am - 4:00pm).

You can also cancel your membership using a cancellation form available online.

Perfect, thank you. Where, online, can I access the cancellation form?
 

danm14

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I made a huge mistake then. What's your advice on cancelling the subscription?
Go to their website, log in and cancel it.

Given that you have already subscribed and given them your personal details, I see little reason not to go through the process to claim the £16.87 cashback first, which from memory involves uploading a scan of the receipt from the purchase.

It is up to you whether or not you want to make two purchases with no minimum value from Argos, one before the end of this month and one on March 1st, to get an additional £30 cashback before the trial ends.

If you do decide to do either of these, you should only cancel the free trial once the cashback is shown as having been paid out, otherwise you forfeit it. The nice side effect of doing this is that Complete Savings automatically issue a lifetime ban to anyone who actually makes a saving (effectively openly admitting that the only members they want are those who don't know they are paying a monthly subscription), so you won't need to worry about cancelling (although I still would cancel).
 

Mcr Warrior

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Cancellation form only seems to be accessible if you've already registered with them.
 

alistairlees

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Hi, I just finished applying for my 16-25 railcard and I am also taking part of the Complete Savings scheme, so that I can get my £16 back.

I have a question however. On the address field, do I need to put my usual address, or my student accommodation address? I am currently a student at Oxford Brookes University but otherwise I live in Horsham West Sussex, so do I put my Oxford or Horsham address?
Do not take part in it. It is an embarrassment that any part of the rail industry chooses to even further tarnish its brand by association with this.
 

SouthEastBuses

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Go to their website, log in and cancel it.

Given that you have already subscribed and given them your personal details, I see little reason not to go through the process to claim the £16.87 cashback first, which from memory involves uploading a scan of the receipt from the purchase.

It is up to you whether or not you want to make two purchases with no minimum value from Argos, one before the end of this month and one on March 1st, to get an additional £30 cashback before the trial ends.

If you do decide to do either of these, you should only cancel the free trial once the cashback is shown as having been paid out, otherwise you forfeit it. The nice side effect of doing this is that Complete Savings automatically issue a lifetime ban to anyone who actually makes a saving (effectively openly admitting that the only members they want are those who don't know they are paying a monthly subscription), so you won't need to worry about cancelling (although I still would cancel).

So to be clear, you're saying that I should first claim my £16.87 back first, and then, once that is done, cancel my subscription?

Do not take part in it. It is an embarrassment that any part of the rail industry chooses to even further tarnish its brand by association with this.

It looked very genuine to be fair! Because if I thought it would be a scam, I would doubt that the official railcard website would even put a link to that!
 

py_megapixel

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It looked very genuine to be fair! Because if I thought it would be a scam, I would doubt that the official railcard website would even put a link to that!
Yes, that's the aim I think.

There is an overly small caption underneath it, which says the following:

Click above to join our partner program for 15 pounds/month and claim your reward

Presumably the idea of writing it like this is to make it look as if it's something called a partner program and is run by Railcard, rather than a program run by a "partner" of Railcard, as people may be more inclined to trust it if it's the former. And also if they can get people to complain in the first instance to Railcard rather than Complete Savings once they notice they're being charged monthly, then it might delay them into another month so that they can take one more £15 payment before they finally get the cancellation request.

"15 pounds/month" is also a blatant attempt to trick people who look around the page for a pound (£) symbol as a way to check they aren't agreeing to pay for something.

Though I'm not surprised people fall for it initially, as it's very deceptive, once you look at the way the company acts it's pretty clear it's not something good to be associated with. For what it's worth, I think little to none of the blame for this lies with the victims. It's the fault of RDG for shepherding well-meaning consumers into it.

I might FOI them and ask how much money they are making from this, though it will probably be turned down under the awful get-out-of-jail-free-card "commercial interests" exemption.
 

Watershed

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I might FOI them and ask how much money they are making from this, though it will probably be turned down under the awful get-out-of-jail-free-card "commercial interests" exemption.
RDG aren't subject to FoI.
 

SouthEastBuses

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UPDATE: I am cancelling the subscription right now. So far, it seemed an easy process. Now I just need to wait for the confirmation email.
 

Starmill

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One way around forgetting to cancel a subscription is to use a virtual debit card to make the first payment or authorisation, and then deactivate the card once you've made that one transaction. Revolut appear to offer this functionality for free too if you take out their app-based account.
 

SouthEastBuses

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In reality, I'm not going to claim the £16.87 back at all. Better to be on the safe side than sorry.
 

gray1404

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I think once you cancel you still have use of their website until the end of the current 30 days. It's therefore worth submitting the claim for the £16.87 and also for any £15 online cashback you require this or next month in case they pay out before your trial expires.

I am not aware however of Complete Savings issuing any bands to people who have a trial then cancel.
 

SouthEastBuses

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I think once you cancel you still have use of their website until the end of the current 30 days. It's therefore worth submitting the claim for the £16.87 and also for any £15 online cashback you require this or next month in case they pay out before your trial expires.

I am not aware however of Complete Savings issuing any bands to people who have a trial then cancel.

So if I don't get my £16.87 back even if I cancelled my subscription, would I then be breaking any laws?
 
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