1/4 What is PHET99? Should I be afraid of a scam?

Have you noticed a direct debit under the name PHET99? PHET99 is a website that charges you for online services. These are direct debits recurrent. You are already, or will be charged by PHET99 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 PHET99 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 Stopping PHET99 direct debits: the procedures to know

Canceling PHET99 direct debits is free. You can carry out the formalities 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 Block your credit card to cancel PHET99 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 PHET99 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 Why we recommend I stop the costs!, the easy termination service!

Good news, it is possible to go through a company specializing in investigations and procedures to definitively stop a subscription or unknown withdrawals: I stop the costs!

The advantages and disadvantages of this service!

The pros:

1. Personalized support: searches to find the site at the origin of the debits, termination procedures, etc.
2. If your situation and problem allow it, I will 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 person who follows your file supports you on the request.
3. All termination services are guaranteed '100% effective or refunded' and BONUS, the company can intervene in all countries and all languages! Useful when you don't speak English for example 😉

The - :

1. This is a paid service (24,90 to 49,90 euros depending on the formula selected)

What if I am the victim of fraud? Of course, if someone has actually stolen your card details and used them on a website, it is a card hack. In this case, do not hesitate to file a complaint and especially contact your bank. In some cases, you will be able to open a fraud file to try toget a refund : this point is to be seen directly with your bank or your card issuer (Visa, Mastercard…).