1/4 Who charges me under the CPAY heading? Should I be afraid of a scam?

 

Have you noticed a direct debit under the name CPAY? CPAY is a website that charges you for online services. These are direct debits recurrent. You are already, or will be charged by CPAY each month because these debits correspond to a subscription. You have undoubtedly entered your bank card on a website to buy a service or take out a trial offer (on a dating or clairvoyance site? For cultural content such as streaming videos? For coaching ... line are very varied).

Is this a scam? If your bank card has been stolen and used by a third party, then yes it is a scam. If you made a purchase yourself, it is not card fraud. We tell you more below.

You don't remember having taken out a subscription? Maybe you just filled in your card as part of a trial offer? Or to pay for the postage of a so-called 'gift' that you have 'won'?

It may happen that subscriptions linked to CPAY direct debits are not desired by Internet users: you should know that attractive trial offers often lead to subscriptions if no steps are taken to cancel the subscription.

 

2/4 How to stop CPAY?

 

Stopping CPAY direct debits is free. To do this, you must complete the termination procedures. You can do this directly online.

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 is possible to get assistance from a termination assistance service provider. Our recommendation: I stop the costs!

This company helps you to identify the origin and the reason for the withdrawals and to stop them definitively. They can even help you get a refund WHEN possible (note: refunds are unfortunately not systematic, because they are really on a case-by-case basis. However, when it comes to stopping direct debits / canceling of subscriptions, their services are guaranteed to be 100% effective or reimbursed.

List of flow rates that you can see:

• CPAY01 direct debit
• CPAY02 debit
• CPAY03 withdrawal
• CPAY04 operation
• CPAY05 card withdrawal
• CPAY06 CB debit
• CPAY07 debit card
• CPAY08 direct debit
• CPAY09 debit
• CPAY10 withdrawal
• CPAY11 operation
• CPAY12 card withdrawal
• CPAY13 CB debit
• CPAY14 debit card
• CPAY15 direct debit
• CPAY16 debit
• CPAY17 withdrawal
• CPAY18 operation
• CPAY19 card withdrawal
• CPAY20 CB debit

 

3/4 We tell you more about 'I stop the fees!', The online termination service

Are you lost and want help to put an end to these CPAY debits? Did you try to do the paperwork on your own but you couldn't? You don't have time to take care of it and you want to entrust this task to a service provider? As explained above, it is possible to go through a company specializing in these procedures, to cancel an online subscription. The essential in this area is I stop the costs!

Why do we recommend it to you?

Most:

1. Personalized support: survey to find the site at the origin of the withdrawals, termination procedures, etc. in all languages ​​(practical when the company taking the money from you is foreign, for example)
2. When possible, I stop the costs! helps you obtain a reimbursement of all or part of the sums withdrawn (note, this is not systematic because each case is unique. When a reimbursement is possible, the professional who follows your file indicates it to you and initiates the procedures for you in addition to the termination procedures)
3. All termination services are guaranteed '100% effective or refunded'

Cons:

1. These services are chargeable (between 24,90 and 49,90 euros for a termination formula)

 

4/4 Renewing your bank card to stop CPAY direct debits: a controversial solution

 

What the law says ? : in March 2018, the court of cassation refused an individual to blame his bank following an online scam. The CDC accepted the culpable negligence of a customer who had transmitted his data to a fraudulent site. This court decision explains why a banker could refuse to block your card and to consider a refund of the sums withdrawn if you are at the origin of the purchase.

If you are still in possession of your bank card, it is very unlikely that it is a card hack as explained above: blocking the card would therefore mean not honoring the contract which binds you to the bank. company that charges you. We therefore do not recommend blocking your credit card but carrying out the online procedures to cancel the current subscription..

On the other hand, if it is a card fraud (= theft of your card or theft of your card details) you can declare it stolen / lost to your banker + file a complaint at a police station. You will also be able to open a fraud file to try toget a refund (this point is to be done directly with your bank).