1/4 FLATRATEPHOTOS, who is it, what is it? Is this a card fraud?

Have you noticed a debit under the name FLATRATEPHOTOS? FLATRATEPHOTOS is a website that charges you for online services. These are direct debits recurrent. You are already, or will be charged by FLATRATEPHOTOS 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 FLATRATEPHOTOS 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 FLATRATEPHOTOS direct debits?

Stopping FLATRATEPHOTOS direct debits is free. To do this, you must complete the termination procedures. You can do this directly online. The details of these steps are directly 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 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 cause of the flows and to stop them definitively. Bonus: they can even help you get a refund WHEN possible (note: refunds are unfortunately not automatic, because they are really on a case-by-case basis. On the other hand, when it comes to stopping direct debits / cancel subscriptions, their services are guaranteed 100% effective or reimbursed.

3/4 Block your card to stop direct debits FLATRATEPHOTOS: what does the bank think?

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 that binds you to the company that charges you under the title; FLATRATEPHOTOS. We therefore do not recommend blocking your credit card but carrying out the online procedures to cancel the current subscription..

4/4 'I stop the costs!' the service that helps you terminate

As specified above, services exist to make your life easier 😉

Why we recommend you I stop the costs! ?

Because :

1. It is a complete support: investigation to find the site at the origin of the debits, termination procedures ... and all this in all languages ​​(practical when the termination must be done in English for example!)
2. When possible, 'I stop the costs!' helps you get a refund of all or part of the sums withdrawn. This is on a case-by-case basis. When a refund is possible, your account manager will inform you.
3. All termination services are guaranteed '100% effective or refunded'

To know however:

1. These services have a cost (count between 24,90 and 49,90 euros for a termination service)

One last info: 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).