1/4 KWIKVPN, who is it, what is it? Is this card fraud?

CB KWIKVPN withdrawals correspond to a subscription. KWIKVPN debits you money 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 a victim of a KWIKVPN scam? This is fraud IF someone has stolen your bank card and made purchases without your consent. If you still have your card, there's a good chance you made the initial purchase that resulted in the KWIKVPN debits.

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 How to stop KWIKVPN direct debits?

Canceling KWIKVPN debits is free. You can carry out the formalities on your own 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 The banking / legal point: what do I risk if I renew my bank card?

What the law says ? : 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.

 

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 this is a KWIKVPN hack as explained above: blocking the card would therefore amount to 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.

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4/4 Go through 'I stop the fees!' to cancel a subscription? How it works ?

As explained above, it is possible to go through a company specializing in the procedures to cancel a subscription online. The essential in this area is I stop the costs!

Why do we recommend it to you?

Most:

1. Personalized follow-up: survey to find the site at the origin of the withdrawals, termination procedures ... and this, in all languages ​​(practical when the company that takes the money from you is foreign for example)
2. When possible, I stop the costs! helps you to 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 considered, the professional who follows your file will accompany you on the request.
3. All termination services are guaranteed '100% effective or refunded'

Cons:

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

Fraud point: of course, if your card has actually been stolen from you and you are not the originator of the purchase, it is a card hack. In this case, do not hesitate to go and file a complaint. In some cases, you will also be able to open a fraud file with your banker to try toget a refund : this point is to be seen directly with your bank or your card issuer (Visa, Mastercard…).