1/4 - MSEFAY direct debit: is it a card fraud type scam?

 

If you notice a debit from MSEFAY, it means that your bank card has been registered on a website. Read carefully what will follow:

Here are some examples of sites that could be linked to this unexpected levy: a dating site, a clairvoyance site, a sports coaching site, a site of cheap high-tech products ... In short, the cases are numerous and varied but what seems It is certain that your card has been entered at least once on one of these sites and this has resulted in a subscription to one of these services.

UNLESS your bank card has disappeared (and someone else has used it to register on a website), there is a good chance that YOU are at the origin of this subscription to MSEFAY. Perhaps you did not understand that entering your bank details could lead to a subscription? Rest assured, it is quite possible and unfortunately very common and there are solutions to stop the withdrawals.

In summary, we cannot consider it a scam in the sense that it is not a credit card hack.

 

2/4 - Where does the MSEFAY card withdrawal come from?

 

As explained above, this flow is the consequence of a subscription to an online service.

Our diagnosis: It seems that the CB MSEFAY withdrawal results from a subscription to a website (various services such as clairvoyance, content for adults or others). You enter your bank details as part of a 2 or 3 day trial offer and you end up subscribed to the service. The company that manages MSEFAY can thus deduct one or more sums from you each month under the pretext of a subscription.

Please note: this direct debit is recurring. Remember to take steps to terminate it so as not to be charged over the next few weeks or months.

 

3/4 - How to stop MSEFAY card withdrawals?

 

There are two ways to stop cash withdrawals from MSEFAY and to terminate any current subscription taken out against your will:

- 'I want to do all these steps myself': the solution (free)

1. Find the site linked to these direct debits (= the site on which you took a trial offer): on which site did you enter your credit card details?
2. Once you have identified the site, connect to it (if you have a current subscription with them, you have created an account there in the past)
3. Once logged in, you will generally find the unsubscribe procedure in the site settings (which can be found in the 'my account' or 'membership' areas depending on the site)

- 'I do not wish to carry out the procedures alone and I prefer to let a professional handle the problem': you can go through a service provider such as Sos Internet to help you stop direct debits MSEFAY:

1. 1. They take care of the identification searches of the company that takes your money
   2. They carry out the termination procedures
   3. They send you a confirmation email once everything is stopped
   4. Their services are chargeable (and 'effective or reimbursed' guarantees).

 

4/4 - Can I have my card canceled with my bank to stop the MSEFAY charges?

 

If you are still in possession of your bank card, it is very unlikely that it is a card hack: in this case, you have entered your bank details and have validated the GTC (General Conditions of Sale) that informed you about a possible subscription: blocking the card would therefore mean not honoring a contract for which you have signed up. We therefore do not recommend blocking your credit card.

If it is a card fraud, that is, if the card has been physically lost and used by a third party, you can report it lost to your banker. You will also be able to open a fraud file to try toget a refund (this point is to be seen directly with your bank adviser).

What the law says ? : in March 2018, the court of cassation accepted the culpable negligence of a customer who had transmitted his data to a fraudulent site. This is the reason why a banker may refuse to block your card if you are the originator of the subscription.