All your means of payment are in place in your portfolio, but you've spotted anomalies on your last statement of accounts. You're probably a victim of piracy. They equip vending readers and cameras, or more disturbing that they have collusion among retailers or banks to obtain details of customers, increasing criminal attacks. According to The Association of French bank users (AFUB) statistics on police use fraudulent credit cards on internet the secret code is then not necessary to validate the transaction, exploded in 2009. The association was an increase of 20% of complaints related to practice.

If the vigilance and regular monitoring of movements in his bank account remains the surest way to avoid mishaps, fortunately the damage is repairable post.

Opposition to the credit card used

Once flow suspects are found, must be opposed on the card used. If the earlier is necessarily the best, the SEPA directive (Ed.: Single Euro Payments Area) provides that corrupt payments can be challenged during a period of 13 months.

Since the opposition may be made by calling the center to each specific bank. The simplest is yet to contact the server number interbank 0 892 705 705 (0,34 euro). These numbers are usually shown on the ATMs and the back of tickets withdrawals.They are available 24 hours on 24 and 7 days on 7, in France and from abroad.

Confirmation of a written objection

The transaction is validated by issuing a code confirming the consideration of the application payday loan . Since the card is usable and the owner is relieved of all responsibility vis-?-vis the debits. "In most cases, banks are asking their customers to renew their request for a written objection and give the ticket office or send it by registered letter with acknowledgment of receipt," said the French banking federation. This is not mandatory but is strongly recommended.

Complaint to the police

Account statement in support, the customer can complain to the police to report the fraudulent withdrawals.Banks sometimes require before reimbursing the amounts charged, however it is not a legal requirement.

Reimbursement of amounts debited

The SEPA directive states that the bank is obliged to repay any amounts fraudulently charged within 30 days. Beware however, if the cardholder did not oppose her will be liable for 150 euros, that is to say that the bank will reimburse the remainder.

Another benefit of the Directive, customers are exempt from all charges arising from fraudulent transactions, namely the costs of opposition and order a new card and any premium.

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