Understand and act to stop FMTUSER CO: we explain!

You see debits under the label FMTUSER CO and you have questions? In this 3-point article you will discover:

1. Why am I charged, who is FMTUSER CO?
2. How to stop FMTUSER CO direct debits and get a refund?
3. What does the law say and how can I protect myself from unsolicited direct debits?

Let's go !

1/3 Why do I see FMTUSER CO debits on my account statement?

FMTUSER CO card transactions are the consequence of a subscription to an online service. In other words, FMTUSER CO charges you because you have subscribed to a website that offers a service (contests? Refund/discount sites? Dating sites, films/series, video games, clairvoyance, etc.) there are thousands of sites that offer offers on the subscription model).

By subscribing, you have given permission to the company linked to FMTUSER CO to charge you each month. A bit like a SEPA direct debit, but directly via your bank card.

But I never agreed to subscribe to anything and pay every month! We believe you. Many Internet users share this reaction! Here is what could have happened: you entered your card numbers to make a small online purchase (trial offer, shipping costs for a gift, etc.) and you have not read the Site Conditions (GTC ) which indicated that unless you decline it, you are subscribing to their service. Result: there is an active subscription linked to your card.

This happens very often, if we are to believe the comments we read on our site, but don't worry, we explain how to cancel the subscription and stop direct debits denominated FMTUSER CO !

2/3 How to stop FMTUSER CO debits? Can I request a refund?

To stop FMTUSER CO 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 it is really on a case-by-case basis. On the other hand, when it comes to stopping direct debits FMTUSER CO / cancel subscriptions, their services are guaranteed to be 100% effective or refunded.

3/3 Legal or fraud FMTUSER CO: what does the law say?

Is FMTUSER CO 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 FMTUSER CO as explained above: blocking the card would 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.