1/4 Which company charges me under the title SPRKLD? Is this a scam?

Do you see one or more debits under the heading SPRKLD? SPRKLD is a website that charges you for a subscription in exchange for online services. These are therefore levies recurrent. You will undoubtedly have entered your payment card on a site to subscribe to a service or simply to subscribe to a trial offer (on a dating or clairvoyance site? For cultural content such as streaming videos? For coaching ... online services are very varied).

You do not remember having taken a subscription on a site? Maybe you just filled in your card as part of a trial offer?

It happens that subscriptions linked to SPRKLD direct debits are not really desired by Internet users: they simply thought they were testing a service without wishing to subscribe to it. You must know that attractive trial offers often lead to subscriptions if no steps are taken to cancel the subscription. This is systematically specified in the Conditions of Sale (GTC) of the site in question (the problem is that no one reads them!)

Is this a scam? Not systematically, no: If your bank card has been stolen and used by a third party, then yes, it is card fraud. If you have made a purchase yourself, it is not a scam.

2/4 How to terminate SPRKLD? 2 solutions!

There are 2 solutions to terminate SPRKLD direct debits and cancel / stop the current subscription:

- You want to do the procedures alone: ​​the solution (free)

1. Identify the site at the origin of these cash withdrawals (i.e. the site on which you entered your credit card details and took out a subscription)
2. Once you have found the site, connect to it (if you have a current subscription, the site knows you and you have an account with them)
3. Once logged in, you will generally find the unsubscribe procedure in the site settings, or even, in some cases, the termination procedure will be offered to you from the first page.

- You wish to be accompanied by a professional: entrust your termination problem to a service provider. Our recommendation to help you stop SPRKLD direct debits: sos-internet.

1. Investigation: agents take care of the identification searches of the company that takes you from you
2. Administrative: they carry out the termination procedures
3. Confidence: they guarantee 100% of 'effective or reimbursed' services

3/4 We tell you more about Sos Internet, the online termination service

Are you lost and want help to put an end to these withdrawals? Did you try to do the paperwork on your own but you couldn't? As explained above, it is possible to go through a service provider to cancel a subscription online. The essential in this area is sos-internet.Why do we recommend?

Most:

1. Steps from A to Z: survey to find the site at the origin of the debits, termination procedures ... and this, in all languages ​​(practical when you do not speak English for example!)
2. When possible, Sos Internet helps you obtain a refund of all or part of the sums withdrawn (note, this is not systematic because each case is unique. When a refund is possible, your account manager will let you know. and start the procedures for you as a bonus for the termination procedures)
3. All termination services are guaranteed '100% effective or refunded'

Cons:

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

4/4 The banking / legal point: is it risky to renew your bank card?

What the law says ? : in March 2018, the court of cassation accepted the culpable negligence of a customer who had transmitted his data to a fraudulent site. Indeed, the General Conditions of Sale (GTC) clearly indicated that the trial offer was extended by a subscription if the Internet user was satisfied with the service and did not communicate to the company his desire to terminate the engagement. 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 it is a card hack as explained above: blocking the card would therefore mean not honoring a contract for which you signed up. engaged. We therefore do not recommend blocking your credit card but carrying out the online procedures to cancel the current subscription.

On the other hand, if it is a card fraud (and therefore, if a stranger used your bank details) you can report it stolen / lost to your banker. 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).