All you need to know about PAY4LVT: the 3 questions to ask yourself

You see debits under the name PAY4LVT and you have questions? In this 3-point article you will discover:

1. Why am I charged, who is PAY4LVT?
2. How to stop PAY4LVT 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 Which purchase corresponds to the PAY4LVT direct debit? Why is this recurring?

Direct debits denominated PAY4LVT appear on 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 authorization to PAY4LVT 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 PAY4LVT direct debits !

2/3 How to stop PAY4LVT direct debits? Can I be reimbursed?

Canceling PAY4LVT direct debits is doable by yourself directly online. You will find more information on the details of the procedure directly on their platform.

If you can't do it or don't want to do it alone (because you are lost, because you do not remember the origin of the subscription or for any other reason), it is possible to pass a termination assistance provider. For this we recommend I stop the costs!

This company helps you to identify the origin of the withdrawals and to stop them definitively. They can even help you get a refund when possible (be careful, refunds are unfortunately not systematic, because they are really on a case-by-case basis. On the other hand, when it comes to stopping PAY4LVT / cancel subscriptions, the services of I stop the costs! are guaranteed 100% effective or reimbursed.

3/3 Legal or scam: what to think of PAY4LVT?

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 block the card would therefore amount to not honoring the contract that commits you to the company that charges you (titled PAY4LVT). 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.