What Is Easylife Rewards Club on My Bank Statement?
Easylife Rewards Club is a paid subscription sold to customers of the Easylife home and gardening catalogue, run by The Rewards Club Limited. If it is on your statement and you do not remember signing up, you are far from alone — and you should ask for a refund rather than assume you agreed to it.
This one deserves more than an identification. Which? reported years of complaints from people who say they were charged for a club they never requested, and the ICO received complaints through its reporting tools. Which? has reported that Easylife has since axed the Rewards Club.
At a glance
- Sold by
- The Rewards Club Limited
- Sold alongside
- The Easylife catalogue
- Reported by
- Which?, over several years
- Status
- Which? reports the scheme has been axed
- Refunds
- Easylife does refund disputed charges
- Who was affected
- Often older catalogue customers
What it is
Easylife is a UK home, garden and mobility catalogue. Alongside it, a linked company, The Rewards Club Limited, sold subscription "clubs" to Easylife customers.
There were many of them, which is part of why the charges are hard to trace. Reported club names include Book Club, Cashback Club, Gardening Club, Home and Tech Club, Mindfulness Club, Motor Club, Perx, Pet Club, Puzzle Book, Rewards Club, My Top Rewards, Travel Club and Well-Being Club.
So the descriptor on your statement may name a club rather than Easylife itself, which is why searching the name gets you nowhere.
Why it is difficult to spot
According to Which?'s reporting, the charges were awkward to notice by design of their timing rather than their size alone:
- Amounts varied widely. Reported examples ranged from subscriptions around £18.50 to charges of £76.99.
- They did not fall on a consistent date, so they did not line up in a statement the way a normal monthly subscription does.
- More than one club could be running at once, producing several separate charges rather than one obvious one.
If you have found one, look for others. That is the single most useful thing on this page.
Who it affected
The complaints Which? reported came disproportionately from older customers, including people who do not use the internet and could not easily check statements or cancel online. Some cases involved people with dementia or cognitive difficulties.
If you are reading this on behalf of a parent or relative, check their statements back as far as you can. Several charges over several years is a realistic possibility, and the total can be substantial.
What to do
Ask for a refund. Do not assume you consented. Which? reported that Easylife does refund disputed charges. Contact them, say you did not knowingly sign up, and ask for a refund of everything paid — not just the most recent payment.
Cancel the payment with your bank as well. If it is a direct debit, cancel it and it stops immediately. If it is a recurring card payment, you can withdraw consent through your bank without the company's agreement — banks sometimes wrongly say otherwise.
Go back through old statements. Search for the club names above as well as "Easylife". Ask your bank for older statements if you need them; they are required to provide transaction history and generally hold at least six years.
If they will not refund the full amount
The Direct Debit Guarantee covers you completely for a direct debit set up without a valid mandate. Tell your bank you did not authorise it and ask for an indemnity claim — the bank refunds you and reclaims it upstream.
Chargeback covers card payments, usually within 120 days.
Section 75 applies if it was a credit card and the amount was £100 or more, and gives you six years.
The Financial Ombudsman can consider a complaint about how your bank handled the claim, free of charge, once the bank has had eight weeks.
Reporting it
If you were charged for something you did not agree to, it is worth reporting even after you get your money back — the complaint record is what drove this into the open.
- Citizens Advice consumer helpline on 0808 223 1133, which feeds Trading Standards.
- The ICO if the concern is how your personal data was used to sell to you.
- Action Fraud on 0300 123 2040 if you believe it was deliberately deceptive.
Preventing the next one
Catalogue and mail-order subscriptions are a recurring problem, and the pattern is similar each time: a subscription attached to an order, a free trial that converts, or a "membership" added at checkout.
Two habits catch nearly all of them. Read a full year of statements once a year rather than glancing monthly — annual charges only show up that way. And for an older relative, ask their bank about a third-party mandate or view-only access, which lets you help without taking over their finances.
- All four agencies: in one report: Experian, Equifax, TransUnion & Crediva
- Spot the errors: and old debts that quietly get applications declined
- It's a soft search: so checking never leaves a mark on your file
- See what lenders see: the same information banks pull when they assess you
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🛡️ Build your recovery plan
Tick what applies to you. The order below is deliberate: most of these organisations will ask for your Action Fraud reference number, so doing it in this sequence saves you making the same call twice.
Nothing ticked yet: the steps below are the ones that apply to everyone. Tick a box above to add the rest.
- 1
Report it to Action Fraud and get your crime reference number
Action Fraud: the national reporting centre for fraud
- Onlinereportfraud.police.uk
- Phone0300 123 2040
Do this second, and do it before you contact anyone else. Almost every organisation in this list (lenders, credit reference agencies, debt collectors) will ask for the crime reference number Action Fraud gives you, and without it you end up making the same call twice. It also creates the official record you'll rely on if you have to dispute anything later. Expect an update within 28 working days, though that's about the investigation, not about clearing your name; that part is on you and starts now.
Have ready: What happened and roughly when · Any account or reference numbers involved
- 2
Get all three credit reports and read every line
Experian, Equifax and TransUnion
- Experian0800 013 8888
- Equifax0800 014 2955
- TransUnion0330 024 7574
All three, not one. Lenders report to different agencies, so a fraudulent account can sit on one file and be invisible on the others: checking a single report is the most common way people miss the second and third account. You're looking for accounts you didn't open, searches you didn't authorise, and addresses linked to your name that you've never lived at. That last one matters more than it sounds: a linked address you don't recognise is often how the fraud was set up in the first place.
Have ready: Your addresses for the last six years
- 3
Add a CIFAS protective registration
CIFAS: the UK fraud prevention service
- Onlinecifas.org.uk
- Phone0330 460 9601
This puts a warning flag against your name in the National Fraud Database, so member organisations run extra identity checks before granting credit in your name. It costs £30 and lasts two years. It does not affect your credit score, and it doesn't touch accounts you already hold, but it will make your own applications slower, which is the trade-off. If someone has your details, that's usually a trade worth making. Note that not every application is checked against the database, so treat it as a strong deterrent rather than a lock.
- 4
Check you're on the electoral register at the right address
Your local council
A quick one that's worth doing while you're here. The electoral roll is one of the main ways lenders confirm you live where you say you do, and being missing from it both weakens your own applications and makes it easier for someone to claim your identity elsewhere.
- 5
Escalate if you get nowhere
Financial Ombudsman Service, or the ICO
- Financial Ombudsman0800 023 4567
- ICOico.org.uk
If a bank refuses to refund you, or a lender won't remove an entry it has accepted is fraudulent, complain to the firm first and give it eight weeks. After that, or as soon as you get a final response, take it to the Financial Ombudsman. It's free and its decisions bind the firm. Where the argument is specifically about inaccurate data staying on your credit file, the Information Commissioner's Office can also look at it. Both routes cost you nothing.
- 6
Close the door behind you
You
Change passwords on your email account first, not your banking: email is the master key, because it's where password resets land. Turn on two-factor authentication wherever it's offered. If documents were lost or stolen, report the passport or driving licence to the issuing body so it can be flagged. And set a reminder to re-check your credit reports in three months: fraudulent applications sometimes surface long after the original breach.
Contact details and process reflect Action Fraud, CIFAS, the credit reference agencies and National Debtline guidance for England and Wales. Scotland reports fraud through Police Scotland on 101 rather than Action Fraud; the rest of the process is the same. General information, not legal advice: free, independent help is available from National Debtline, Citizens Advice and StepChange.
