Understand what is behind the flow rates 448081963712: we explain!

You notice debits indicating the number 448081963712 and you do not manage to know what this purchase corresponds to? Here are the answers to all your questions in 3 points:

1. Reference 448081963712: what is it?
2. How to stop the direct debits entitled 448081963712 and obtain a refund?
3. Scam or not? What does the law say about this unknown and unsolicited flow?

Let's go !

1/3 How to explain these direct debits linked to the reference 448081963712?

Direct debits showing the number 448081963712 appear on your bank account because you have subscribed to an online service (perhaps without realizing it). 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 the company behind the reference 448081963712 to debit you a sum each month via your credit card imprint.

But I have no memory of subscribing to anything! I would never have agreed to pay such a sum every month! We believe you. Many Internet users encounter the same problem and subscribe to services without being aware of it! Why how ? It may happen that you enter your card details for a small online purchase (trial offer, postage of a gift, proof of majority ...) without reading the Site Conditions (GTC) but by checking them anyway. . These Conditions precisely indicate that your purchase commits you to a subscription, unless you refuse it. Result: you have subscribed to their service and you will be debited under the reference 448081963712 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 withdrawals 448081963712 !

2/3 Stop the direct debits linked to the entry 448081963712 and obtain a refund: is it possible?

Good news: canceling recurring direct debits linked to the reference 448081963712 is doable by yourself directly online. You will find more information on the details of the procedure directly on their site.

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

This company helps you identify the origin of the direct debits and stop them definitively + obtain a refund of the sums debited when possible (be careful, refunds are unfortunately not systematic, because they are often on a case-by-case basis. To see therefore directly with I stop the costs!, if you go through them.

3/3 Legal or scam: what about the company behind the reference 448081963712?

And on the Justice side? What do we think of it? : in March 2018, the CDC (Cour de Cassation) refused a cardholder (an individual) 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 banker could refuse to renew your card / offer you a refund of the sums withdrawn if you are responsible for the debits recorded on your account.

If you have not lost your card (and therefore if it is still in your possession), it is very unlikely that it is a card hack / theft as explained above: have the card blocked would therefore amount to not honoring the contract that binds you to the company behind 448081963712. We therefore do not recommend renewing your card, but carrying out the online procedures to cancel the current subscription..

How to avoid surprise withdrawals / hidden subscriptions on my account? In general, the 2 main rules are: 1. Consult the legal notices of the sites on which you wish to make purchases (you will find them most of the time at the bottom of the websites that you consult) and 2. beware of "too good" plans ”. We develop more tips this way.