1/4 Which company debits my account under the title BOOKLOVERS-CHARGE IO? Is it a scam?
BOOKLOVERS-CHARGE IO card operations correspond to a subscription taken out online. BOOKLOVERS-CHARGE IO charges you because you subscribed to a service on a website (contests? Redemption / reduction sites? Dating sites, movies / series, video games… there are thousands of sites which offer offers on the subscription model).
Did I get caught by a BOOKLOVERS-CHARGE IO scam? This is a scam IF your bank card has been stolen and purchases have been made with it. If you are still in possession of your card, there is a good chance that you are responsible for the subscription related to BOOKLOVERS-CHARGE IO.
But I never agreed to subscribe to anything and pay every month! We believe you. 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.
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 !
2/4 Stop CB BOOKLOVERS-CHARGE IO withdrawals: what to do?
Canceling BOOKLOVERS-CHARGE IO direct debits is free. You can complete the process alone 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 Declare your bank card stolen or lost to stop BOOKLOVERS-CHARGE IO debits: a controversial solution
What the law says ? : 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.
This court decision explains why a banker may refuse to block your card if you are the originator of the purchase.
If you are still in possession of your bank card, it is very unlikely that this is a BOOKLOVERS-CHARGE IO hack as explained above: blocking the card would therefore amount to 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 Why we recommend I stop the costs!, the easy termination service!
As explained above, it is possible to go through a company specializing in the procedures to cancel a subscription online. The essential in this area is I stop the costs!
Why do we recommend it to you?
Most:
- Personalized follow-up: survey to find the site at the origin of the withdrawals, termination procedures ... and this, in all languages (practical when the company that takes the money from you is foreign for example)
- When possible, I stop the costs! helps you obtain a refund of all or part of the sums withdrawn (be careful, get reimbursed for an internet scam is not systematic because each case is unique. When a refund is considered, the professional who follows your file will accompany you on the request.
- All termination services are guaranteed '100% effective or refunded'
Cons:
- This is a paid service (24,90 to 49,90 euros depending on the formula selected)
Fraud point: of course, if your card has actually been stolen from you and you are not the originator of the purchase, it is a card hack. In this case, do not hesitate to go and file a complaint. In some cases, you will also be able to open a fraud file with your banker to try toget a refund : this point is to be seen directly with your bank or your card issuer (Visa, Mastercard…).
Hello
I asked for the stop and the reimbursement of the expenses.
I did not subscribe for this.
Thank you for no longer presenting your direct debit and for reimbursing the 2 times €37 taken.
cordially