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

Looking for information on the bank charges that appear under the name PTGHELP? In this article we will deal with these 3 topics:

1. Why is PTGHELP taking me? What service or product is this direct debit linked to?
2. How to definitively terminate the debits? Is a refund possible?
3. Is PTGHELP a scam or is it legal? How can I no longer end up with unforeseen debits?

Let's go…

1/3 How do I explain the PTGHELP card withdrawals from my account?

PTGHELP card operations are the result of a subscription to an online service. In other words, PTGHELP charges you because you subscribed to a website that offers a service (contests? Redemption sites / reductions? Dating sites, films / series, video games, clairvoyance ... there are thousands of sites that offer subscription-based offers).

By subscribing, you gave the authorization to the company linked to PTGHELP to withdraw from 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 the debits denominated PTGHELP !

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

Canceling PTGHELP direct debits is possible 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 PTGHELP / cancel subscriptions, the services of I stop the costs! are guaranteed 100% effective or reimbursed.

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

Is PTGHELP 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 PTGHELP as explained above: blocking the card would therefore have 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.