Cancel SC Plus the easy way

Service overview

SCPLUS (SmartCredit+) is a subscription product tied to a credit-building and savings model. Members pay a monthly subscription fee plus a separate monthly savings contribution that is reported to credit reference agencies. The subscription fee covers account management and service access while the savings contribution is held in a savings account.

Who uses SC Plus

SC Plus targets organisations and individuals connected to credit guarantee and insurance operations, and its stated target audience includes Financial Institutions, Brokers and Insurance Companies. Consumer-facing subscriptions also exist for individuals who want credit-building services.

Company facts

Web cancellation - steps

1. Sign in at the SC Plus web portal at scplus.id.
2. Open Account or Subscription settings and look for a Cancel or Close account option.
3. Follow the prompts and download or save the confirmation message or screenshot.
4. If no web cancel option exists, use the email address [email protected] to register your request and attach ID and account reference.

iOS cancellation - steps

1. Open the Settings app on your iPhone, tap your name, tap Subscriptions.
2. Find SC Plus in the list and tap Cancel Subscription.
3. Take a screenshot of the cancellation and save the Apple confirmation email.

Android (Google Play) cancellation - steps

1. Open the Google Play Store app and tap your profile icon, then Payments & subscriptions > Subscriptions.
2. Select SC Plus and tap Cancel subscription. Confirm the cancellation when prompted.
3. Save the Google Play confirmation email or screenshot. Google Play handles refunds for Play purchases.

Phone cancellation - steps

1. Locate support contact details in your account or on scplus.id.
2. Call and provide your account reference and the date you want the subscription to end.
3. Ask the agent for a reference number and for a confirmation email to be sent within 48 hours.

Email cancellation - steps

1. Send an email to [email protected] with subject line: Cancel My SC Plus Subscription.
2. Include: full name, account ID, date of birth, reason for cancellation, and preferred end date.
3. Request a written confirmation and keep the sent message and any reply.

Post (registered letter) cancellation - steps

1. Write a signed cancellation letter including account reference, full name, address and the sentence I hereby cancel my SC Plus subscription.
2. Send by Royal Mail Recorded Delivery to: SC Plus, PO Box 10836, Nottingham, NG15 5DW, United Kingdom.
3. Keep the Recorded Delivery receipt and the delivery confirmation as proof. Allow 30 days notice after receipt for contractual closure.

Cooling-off period (14 days)

Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you have a 14-day cooling-off right for distance or off-premises contracts. To use this right, communicate a clear and unambiguous cancellation within 14 days of the contract date. If you asked for services to start within the 14 days, SC Plus may charge a proportionate amount for services provided up to cancellation.

Required proof documents: dated contract confirmation or order email, proof of sending the cancellation (email or recorded delivery receipt).

Applicable law: Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

Price increase

If SC Plus increases the price during your contract and the contract does not allow that change, you may be entitled to cancel for that reason. The contract will state permitted changes; where a unilateral increase breaches the contract, treat this as a material change.

Required proof documents: original contract showing price, notification of the price increase, cancellation request referencing the change.

Applicable law: Consumer Rights Act 2015 (unfair contract terms) and contract law principles.

Moving address

Moving alone is not an automatic legal ground to cancel unless the service cannot be delivered to the new address or the contract contains a relocation clause. SC Plus does not publish a dedicated relocation cancellation policy.

Required proof documents: proof of new address (utility bill or council tax), contract reference and specific explanation of why service cannot continue.

Applicable law: Contract terms and Consumer Rights Act 2015 for unfair terms.

Death of subscriber

The estate or next of kin should contact SC Plus with a copy of the death certificate and the account reference to close the subscription and arrange any refund of refundable savings contributions. SC Plus does not publish specific procedures for death in the publicly available sources.

Required proof documents: death certificate, proof of identity of the person making the request, account reference.

Applicable law: Contract law and the Consumer Rights Act 2015 regarding service performance.

Material breach or failure to perform

If SC Plus fails to perform services with reasonable care and skill, you can terminate the contract and seek remedies under the Consumer Rights Act 2015. Examples include failure to report savings to credit agencies as promised or failure to provide access to services you paid for.

Required proof documents: copies of promised service descriptions, evidence of non-performance (screenshots, correspondence), and formal written complaint to SC Plus.

Applicable law: Consumer Rights Act 2015.

End of commitment

If your contract term ends, you have the right to stop renewal by giving the contractually required notice. SC Plus states notice periods may be 30 days or longer; members should review their contract. If auto-renewal terms are unclear or hard to cancel, the CMA treats those practices as potentially unfair.

Required proof documents: contract showing end date, written notice of non-renewal, recorded delivery receipt or email reply.

Applicable law: Consumer Rights Act 2015 and CMA guidance on auto-renewal.

Before you cancel: how to ask for a retention offer

Research shows no publicly reported standard retention offers from SC Plus. If you want to attempt to keep the service, follow these steps:

1. Contact support by email to [email protected] with subject Keep My SC Plus Account and explain your reason for cancelling.
2. Ask explicitly for a retention offer such as a temporary discount, waiver of next month fee, or a lower-tier plan. Request the offer in writing and a deadline to accept it.
3. If you have paid via Google Play or Apple App Store, contact the platform for purchase disputes only after exhausting the trader route.

What cancelling saves you - example comparison

SC Plus does not publish a standard monthly subscription fee publicly. To give a concrete example using real competitor prices from the research comparators: cancelling SC Plus and switching to a low-cost alternative such as Jaccountancy Solo Plan at £35 per month would cost £35 x 12 = £420 per year. GoForma Start Sole Trader costs £44 per month or £528 per year.

Example yearly costs shown:

• Jaccountancy Solo Plan: £35 x 12 = £420 per year.
• GoForma Start Sole Trader: £44 x 12 = £528 per year.

If your current SC Plus subscription fee were similar to these figures, switching to the cheaper competitor would save the difference between the two annual totals. SC Plus does publish that subscription fees are charged monthly in addition to refundable savings contributions, but the subscription fee amount is not publicly disclosed.

Key consumer law that applies

The main UK rules that apply are the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 which gives a 14-day cooling-off period for distance and off-premises contracts, and the Consumer Rights Act 2015 which requires services to be performed with reasonable care and skill and protects against unfair contract terms.

Auto-renewal and unfair practices

The Competition and Markets Authority (CMA) treats hard-to-cancel subscriptions and unclear auto-renewal terms as potentially unfair. If SC Plus uses unclear wording or makes cancellation difficult, complain and keep written evidence of your attempts to cancel.

How to escalate

1) Complain to SC Plus in writing and keep copies of all communication. 2) If not resolved, contact Citizens Advice for guidance: Citizens Advice - cancelling a service. 3) For financial products, consider the Financial Ombudsman Service. 4) For qualifying card payments, use Section 75 or a chargeback via your card issuer.

Refunds and deadlines

Under the Consumer Contracts Regulations 2013, refunds due under the cooling-off right must be processed promptly; if digital content was consumed after express consent, a proportionate charge may apply. SC Plus states subscription fees for services already rendered are typically non-refundable; refundable amounts are the savings contributions where applicable.

Check final billing and refund

Confirm the end date and request a final statement showing any refundable savings contributions. If you cancelled under the 14-day cooling-off period, request a full refund for the subscription fee where applicable and a refund of any refundable savings contributions.

Access to data and services

Download or screenshot any account statements, credit reporting confirmations, and transaction history before cancellation. If access to content was via an app store, cancellation may remove access immediately.

Re-activation and future accounts

If you later re-subscribe, check whether SC Plus applies a new onboarding process or waiting period. Keep your old account data saved in case you need it for bank statements or disputes.

Follow this checklist to cancel SC Plus and preserve your rights.

• Find your contract date and the confirmation email or invoice.
• If within 14 days of signing, prepare a cooling-off cancellation email or recorded delivery letter.
• If cancelling by post, send to SC Plus, PO Box 10836, Nottingham, NG15 5DW, United Kingdom by Royal Mail Recorded Delivery and keep the receipt.
• If purchased via Google Play, cancel in the Google Play Store and save the confirmation email.
• Send a follow-up email to [email protected] requesting written confirmation of cancellation and final balance.
• Keep all correspondence for at least six months in case of disputes.