'I got a £2,000 refund from click-to-claim cashback site Complete Savings after reading your story' – here's how to check if you're due too
MoneySaver Richard secured a £2,055 refund from cashback site Complete Savings after reading our warning about its misleading 'click to claim' ads. And Richard's not the only one, as we continue to see similar successes rolling in following our initial investigation.
Misleading Complete Savings ads, often popping up on well-known retailers' websites when you buy something online, were banned by the Advertising Standards Authority (ASA) in October 2024, following a MoneySavingExpert.com (MSE) complaint.
At the time, the regulator told Complete Savings that its ads must make it clear that you need to sign up to a paid-for subscription and detail the steps to get any cashback, which can include making additional purchases. Below we explain how to check if you've unknowingly signed up and how to try to get your money back.
'No quibble, no qualms': How one MoneySaver claimed back £2,000+
Sales director Richard Gillett, 55, lives in Scarborough. He told MSE he recently spotted an £18 charge on his credit card from Complete Savings, a company he said he'd never heard of. But that was just the start: "I scrolled down the page to last month – £18. Scrolled down to before – £18."
Confused, Richard searched online and found one of our earlier stories, along with a thread in the MSE Forum where other MoneySavers had been sharing their experiences of unknowingly signing up for a Complete Savings subscription. "That's when my heart dropped," he said.
After creating new log-in details for the Complete Savings website, Richard was able to pull up a list of his past payments. "It went back to January 2015. I physically felt sick. I just couldn't believe that amount of money had gone out."
Over the past 10 years, Richard had paid over £2,000 to Complete Savings without realising – his payments were initially £15 a month, moving to £18 a month when Complete Savings increased its fee. After emailing the firm's customer services team this March, Richard was quickly issued a refund of £54, amounting to the most recent three months' worth of payments.
But having read our earlier tips about trying for a full refund, Richard emailed back, explaining that he'd never used the service, which it transpired he must have unwittingly signed-up for after purchasing cinema tickets online. Complete Savings quickly responded – it had agreed to pay back the full amount.
"I was amazed," Richard said. "No quibble, no qualms or anything. It all happened so quickly, from the Friday evening to lunchtime on Saturday, saying they were going to refund all of it, and then to get full payment by the Tuesday – so it's all done with in less than a week."
We've had lots of other Complete Savings refund successes
While some MoneySavers tell us they successfully use Complete Savings to earn cashback on online purchases, we've been contacted by many who say they've been signed up without realising. Below are some other recent successes we've had from MSE users who've been refunded after following our guidance:
MSE Forum user Flerella1975 said: "I only just realised that Complete Savings had been taking money from my account since 2019! I just thought the payment was for something else! After sending a strongly worded email with the help from ChatGPT and hearing nothing back, I then sent another email mentioning what I had read on this site. They then refunded me £1,209 today! Thanks so much for the advice." – January 2026.
Sam emailed: "I read your Complete Savings success stories and the name rang a bell in my head. When I checked my bank statements, I had unknowingly signed up in 2022. I had never received a single benefit and so asked them for a full refund. Within a few days, the total was completely refunded. I would never have known about this had it not been for MSE." – October 2025.
Gideon emailed: "Many thanks for the advice given in various articles about Complete Savings. I clicked on one of their pop-up adverts in December 2018, entered some details, and didn't realise I had begun a subscription. They have now offered me a full refund some seven years later amounting to £1,296. To be fair to Complete Savings, this was offered very quickly after completing a simple form. Many thanks for your help." – January 2026.
If you've managed to get your money back from Complete Savings, do let us know in the Cancellation Successes MSE Forum discussion.
Check NOW that you're not unknowingly paying out
Complete Savings is owned by a company called Webloyalty International Limited, that charges members £18 a month (previously £15 a month) to use. You can't sign up to the service directly – the only way to join is after making a purchase with one of its partner retailers. As a result, you may have signed up unknowingly.
Here's how to check and try to get your money back:
-
Check for unnecessary payments. To find a recurring payment, you'll need to check your bank and credit card statements manually. Payments made to Complete Savings should appear on your statement as one of the following:
- WLY*COMPLETESAVE.CO.UK
- COMPLETESAVE.CO.UK
- CASH.COMPLETESAVE.CO.UK
- GO2.COMPLETESAVE.CO.UK
- WWW.COMPLETESAVE.CO.UK
For other types of payment, most online bank accounts have a section that displays all your standing orders and Direct Debits. -
If you find any unwanted payments, cancel them straight away. To cancel a recurring payment, you'll need to contact the company directly. With Complete Savings, you can cancel your membership anytime fee-free by emailing Complete Savings or by calling 0800 389 6960 (8am to 8pm Monday to Friday, 9am to 4pm Saturday).
We've seen reports from some users who, while cancelling their memberships, asked Complete Savings to delete their personal data. Be aware that this could make it harder to get a refund, so it may be best to make this request after you've received any money back. For full info on your data protection rights, see the Information Commissioner's Office website. -
Don't recognise a payment or feel you were misled into signing up? Complain – you may get your money back. You can make a complaint to Complete Savings by calling the number above or by emailing its customer services team.
If you feel you were misled by the ads, we'd suggest explaining this and mentioning the ASA ruling, as we've seen lots of people get refunds this way. If you've never actually used Complete Savings after signing up, you should explain this too.
If you're offered a partial refund at first, don't assume that this is the best outcome you'll get. It's worth going back to Complete Savings again to ask for a full refund – Richard and others were able to get all of their money back by doing this.
You can also check out our guide on checking and cancelling recurring payments, as well as on how to conduct a Direct Debit audit.
What Complete Savings said
A spokesperson for Complete Savings told us: "We always welcome feedback from our customers and whenever a member is unhappy, we try and resolve their queries as best as we can.
"We have worked closely with the Advertising Standards Authority and the Committees of Advertising Practice and consider that our current marketing promotions comply with their latest standards."
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