1/4 What is SPTKYN? Should I be afraid of a scam?

Have you noticed a direct debit under the name SPTKYN? SPTKYN is a website that charges you for online services. These are direct debits recurrent. You are already, or will be charged by SPTKYN each month because these debits correspond to a subscription. You have undoubtedly entered your bank card on a website to buy a service or take out a trial offer (on a dating or clairvoyance site? For cultural content such as streaming videos? For coaching ... line are very varied).

Is this a scam? If your bank card has been stolen and used by a third party, then yes it is a scam. If you made a purchase yourself, it is not card fraud. We tell you more below.

You don't remember having taken out a subscription? Maybe you just filled in your card as part of a trial offer? Or to pay for the postage of a so-called 'gift' that you have 'won'?

It may happen that subscriptions linked to SPTKYN direct debits are not desired by Internet users: you should know that attractive trial offers often lead to subscriptions if no steps are taken to cancel the subscription.

2/4 How to terminate SPTKYN so as not to be withdrawn each month?

Canceling SPTKYN direct debits is free. You can carry out the formalities on your own 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 direct debits / canceling of subscriptions, their services are guaranteed to be 100% effective or reimbursed.

3/4 Block your credit card to cancel SPTKYN direct debits: what does the bank think? What the law says ?

Law and court decisions : in March 2018, the court of cassation accepted 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 SPTKYN as explained above: blocking the card would therefore have for consequence of not honoring a contract for which you signed up. We therefore do not recommend blocking your credit card but carrying out the online procedures to cancel the current subscription.

4/4 Get help from I stop the costs! to stop direct debits: key information!

Notice to Internet users who feel lost (or lazy!): Good news, you are not alone, and you can be supported in solving your problem!

Is I stop the costs! is a good idea for me?

YES ! The advantages of the service:

1. It is a complete support: investigation to find the site at the origin of the debits, actions of termination ... with interventions any country / language (practice when the termination must be done in English or with a company based in Cyprus for example!)
2. When possible, 'I stop the costs!' helps you to be reimbursed sums withdrawn (or at least part of it). Please note, this is on a case-by-case basis. When getting a refund is possible, your account manager warns you.
3. All termination services are guaranteed '100% effective or refunded'

One more thing to know:

1. This service has a cost (count between 24,90 and 49,90 euros for a termination service)

The special case: if it is a card fraud (= theft and use of your card details) you must declare it stolen / lost to your banker + you can file a complaint at a police station. You will also be able to open a fraud file to try toget a refund (this point is to be done directly with your bank).