All about GNVATN: the 3 questions to ask yourself
Are you seeing debits under the GNVATN label and are you wondering? In this 3-point article you will discover:
- Why am I being charged, who is GNVATN?
- How to stop GNVATN direct debits and get a refund?
- What does the law say and how can I protect myself from unsolicited direct debits?
Let's go !
1/3 Why does my bank statement show GNVATN debits?
Direct debits denominated in GNVATN 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 permission to GNVATN 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 GNVATN direct debits !
2/3 How to stop GNVATN direct debits? Can I get a refund?
To stop GNVATN 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. On the other hand, when it comes to stopping GNVATN debits / canceling of subscriptions, their services are guaranteed to be 100% effective or reimbursed.
3/3 Legal or GNVATN fraud: what does the law say
And on the side of Justice? Hit or miss ? : in March 2018, the Court of Cassation refused a cardholder to blame his bank following an online scam. Why ? The CDC accepted the culpable negligence of a customer who had transmitted his data to a fraudulent site. This court decision explains why your bank could refuse to block your card / consider a refund of the sums withdrawn if you are responsible for the debits noted on. your bank statement.
If you have not lost your card, it is very unlikely that it is a card piracy as explained above: to have the card blocked would therefore amount to not honoring the contract that commits you to the company that charges you (called GNVATN). We therefore do not recommend to renew your but to carry out the online procedures to cancel the current subscription..
How to avoid unsolicited withdrawals from my account? In general, the 2 main rules are: 1. Check the legal notices of the sites on which you want to make purchases and 2. beware of "too good deals". We develop more tips this way.
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