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

Do you see a direct debit under the name USERSVCS? USERSVCS is a website that charges you for online services. These are therefore direct debits recurrent. USERSVCS debits are the result of 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.

2/4 For what reasons am I charged by USERSVCS?

You are charged because you, or a person who had access to your credit card details, entered your information on a website to take out a subscription, or simply buy a trial offer… resulting in a subscription.

It happens that subscriptions linked to USERSVCS withdrawals are not desired by Internet users. Namely: attractive trial offers (as well as other commercial mechanics that involve entering your bank details - for example to prove your majority on a site) very often lead to subscriptions if no action is taken to reverse this.

3/4 How to terminate USERSVCS? 2 solutions!

There are 2 solutions to terminate USERSVCS 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 USERSVCS direct debits: sos-internet :

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

4/4 Legal advice / banking: blocking your bank card, is it legal?

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 initiator 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).