Stop ARC-GM direct debits: what to expect in this article

Looking for information on bank charges that appear under the name ARC-GM? In this article we will deal with these 3 topics:

1. Why is ARC-GM taking me? What service or product is this direct debit linked to?
2. How to definitively terminate the debits? Is a refund possible?
3. Is ARC-GM a scam or is it legal? How can I no longer end up with unforeseen debits?

Let's go…

1/3 How and why does ARC-GM take my money from me each month?

Direct debits denominated ARC-GM appear in your bank account because you have subscribed to an online service. Site of contests, cashback / reductions, adult content, clairvoyance, meetings, films / series, video games, clairvoyance ... there are thousands of sites that offer offers on the subscription model).

By subscribing, you have given authorization to ARC-GM to debit you a sum each month. A bit like a SEPA direct debit, but directly via your bank card.

But I have no memory of subscribing to anything! I would never have committed to paying such a sum every month! We believe you. Many Internet users encounter the same problem! What happened ? It is likely that you entered your card details for a small purchase on a website (trial offer, shipping costs for a gift, proof of age, etc.) and you have not read the Site Conditions ( Terms and Conditions) before checking them. These Conditions indicated that your purchase committed you to a subscription, unless you refused. Result: you have subscribed to their service and you will be charged by "; A4; »Each month until you end the subscription.

Don't worry, you are not alone in this situation: we will explain how to cancel the subscription and stop ARC-GM direct debits !

2/3 How to stop ARC-GM direct debits? Can I get a refund?

To stop ARC-GM direct debits, you must unsubscribe. You can do this directly and for free online. The details of these steps are specified on their platform.

If you can't do it alone (because you are lost, because you do not remember the origin of the subscription, because you do not have the time or the inclination to cancel yourself ... or for any other reason), it It is possible to get assistance from a termination assistance service provider. Our recommendation: I stop the costs!

This company helps you to 1. identify the origin and the cause of the flows, 2. stop them definitively.

Bonus: I stop the costs! can even help you get a refund WHEN possible (note: refunds are unfortunately not automatic, as they are really on a case-by-case basis. However, when it comes to stopping ARC-GM direct debits / cancel subscriptions, their services are guaranteed 100% effective or reimbursed.

3/3 Legal or ARC-GM fraud: what does the law say

Is ARC-GM a scam? : some believe it is fraud, others consider it legal. In March 2018, the Court of Cassation upheld the culpable negligence of a customer who had transmitted his bank details to a fraudulent site. The bank had opposed his requests for reimbursement, accusing him of negligence in the custody and conservation of his personal data of the security system of payment instruments.

 

The bank can therefore rely on this court decision to refuse to block your card and / or problematic withdrawals.

If you are still in possession of your bank card, there is little chance (or rather risk) that it is a hack on the part of ARC-GM as explained above: blocking the card would have therefore as a consequence of not honoring a contract for which you signed up (by validating the General Conditions of Sale). We therefore do not recommend blocking your credit card but carrying out the online procedures to cancel the current subscription.

How to protect yourself against suspicious withdrawals related to online purchases? In general, you can apply the following two rules for all your transactions: 1. Consult the legal notices of the sites on which you wish to buy a product or a service and 2. remain vigilant in the face of "too good deals". We offer more advice on this article.