1/4 - Is the MYLACHARG bank charge a bank card scam fraud?

Have you noticed a bank direct debit from MYLACHARG? First point, this means that your bank card has been registered on an online site.

Unless your bank card has disappeared and a stranger has used it to register on a website, there is a good chance that you are at the origin of this subscription to MYLACHARG. Quite often, people who enter their bank details as part of trial offers (for 2 or 3 days only, for example) are unaware that they are actually committing to a monthly subscription.

In this sense, we cannot consider the direct debit as a scam in the sense that it is not a bank card hacking.

Here are some examples that can lead to surprising and unexpected rates: a trial offer on a dating site (3 days for 2 euros), an offer on a clairvoyance site, a commercial offer with a gift at the key ...

2/4 - Where does the MYLACHARG direct debit come from?

As detailed above, this card debit follows an internet subscription.

Our diagnosis: It seems that the CB MYLACHARG withdrawal is the consequence of a recurring subscription. You don't remember having taken out a subscription for an online service? Perhaps you did not directly enter your bank details for a subscription but rather as part of a trial offer like '3 days trial for a few euros'. This kind of commercial mechanic is very common and aims to collect your banking information to subscribe to the service and withdraw money from you each month.

Namely: this direct debit is recurring. You must complete cancellation procedures to no longer be charged for the next few months.

3/4 - How to stop MYLACHARG direct debits?

There are two solutions to stop withdrawals from MYLACHARG and terminate any subscription taken out against your will:

- 'I want to manage on my own': the solution (free)

1. Identify the site at the origin of these withdrawals (= the site on which you took a trial offer): on which site did you enter your credit card details?
2. Once you have found the site, connect to it (if you have a current subscription with them, you have created an account in the past)
3. Once logged in, you will usually find the unsubscribe procedure in the site settings

- 'I prefer to let a professional manage the problem': go through a service provider such as Sos Internet to help you stop direct debits MYLACHARG:

1. They take care of the identification searches of the company that takes your money
2. They carry out the termination procedures
3. They send you a confirmation email once everything is stopped

4/4 - Can I cancel my card with my bank to stop CB MYLACHARG withdrawals?

If it is a card fraud, that is, if the card has been physically lost and used by a third party, you can report it lost to your banker. You will also be able to open a fraud file to try to obtain a refund (this point is to be discussed directly with your bank advisor).

If you are still in possession of your card, it is very unlikely that it is a card hack: in this case, you have entered your bank details and have validated the GTC (General Conditions of Sale) which informed you about a possible subscription: blocking the card would therefore mean not honoring a contract for which you have signed up. We therefore do not recommend blocking your credit 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. This is the reason why a banker may refuse to block your card if you are the originator of the subscription.