1/4 What is RCCVS? Do I necessarily have to fear a scam?

CB RCCVS withdrawals correspond to a subscription. RCCVS debits you sums because you have taken out a subscription on a website (meetings? Games? Clairvoyance? Video / series sites?… there are thousands of sites that offer subscription packages to access their services).

Am I the victim of an RCCVS scam? It is fraud IF someone stole your bank card and made purchases without your consent. If you still have your card, chances are you made the original purchase that resulted in the RCCVS charges.

But I do not remember at all having agreed to pay a subscription or subscribed to a site! This is a remark that we often read in your messages. Here is an explanation: maybe you entered your card details to buy a trial offer, pay the shipping cost of a 'gift', buy a product at an exceptionally low price ... and you didn't. took the time to read the T & Cs, Conditions of Sale of the site which indicated that unless you refuse it, you subscribe to their service.

2/4 Two ways to cancel RCCVS direct debits

Canceling RCCVS direct debits is free. You can take the steps yourself directly online. You will find more information about 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 Declaring your bank card stolen or lost to stop RCCCS debits: a controversial solution

What the law says ? : in March 2018, the court of cassation refused an individual to blame his bank following an online scam. The CDC accepted the culpable negligence of a customer who had transmitted his data to a fraudulent site. This court decision explains why a banker could refuse to block your card and to consider a refund of the sums withdrawn if you are at the origin of the purchase.

If you are still in possession of your bank card, it is very unlikely that it is a card hacking as explained above: blocking the card would therefore amount to not honoring the contract that binds you to the company that charges you under the heading; RCCVS. We therefore do not recommend blocking your credit card but carrying out the online procedures to cancel the current subscription..

4/4 Go through I stop the costs! to stop unnecessary spending? The good idea!

As specified above, services exist to make your life easier 😉

Why we recommend you I stop the costs! ?

Because :

1. It is a complete support: investigation to find the site at the origin of the debits, termination procedures ... and all this in all languages ​​(practical when the termination must be done in English for example!)
2. When possible, 'I stop the costs!' helps you get a refund of all or part of the sums withdrawn. This is on a case-by-case basis. When a refund is possible, your account manager will inform you.
3. All termination services are guaranteed '100% effective or refunded'

To know however:

1. These services have a cost (count between 24,90 and 49,90 euros for a termination service)

One last info: if it is a card fraud (= theft of your card or theft of your card details) you can declare it stolen / lost to your banker + 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).