Have you heard of a firm called Complete Savings, they are a finance firm based in Switzerland? No? Neither had I till one day last week, when I bought some tulip bulbs on line from a firm I have used before. I always check my credit card, when I buy something to make sure it was all ok..... it was fine, except there was an amount of £18 pending, for Complete Savings, with the same date?
I looked them up and was horrified to see it was a monthly fee for a 'cash back' scheme! There was an article by Martin Lewis, the money expert, who explained what it was. Evidently its linked to certain firms when you buy from them on line. Not illegal but sneaky! He's had loads of complaints about it and had taken down their advertisments, however it was still linked to some firms. It offered cash back, but failed to state it had a monthly fee of £18!
Well I certainly hadn't sign up for that, so quickly phoned my CC company to stop it, but because it was still only pending they couldn't block it, but would refund my money and block it should it attempt to take any more money.
I looked up Complete Savings and sent them an email, cancelling and asking for my money back. I had the usual standard reply, they had received my mail etc.. but I had signed my mail C. with my surname and their post said, Dear Christine! That got my back up, because it meant it had my details, how??
There was a phone number so phoned and was really surprised when it was answered right away.. and have you guessed, English was not his first language.. he shot off giving me the spiel of the benefits of me taking their cash back offer. So fast I had to shout STOP! Then said I didn't want it, I wanted my money back, repeating it like a needle stuck in a record groove.
He persisted all very calmly, and politely and quietly.. but I carried on repeating I didn't sign up for it and I wanted my money back. He kept saying it was a good firm, based in Switzerland, so I asked is that where you are speaking from, guessing it wasn't from his accent.. he was in the Philippines!!!
I got it cancelled and my money back, but I did asked when was I supposed to have signed up for it.. July 2025 when I bought some books from W H Smiths! Over a year ago!
So beware and check you CC regularly.. £18 ?? could have been going out of my account every month if I hadn't checked.
Chrisxx





