How to avoid subscription debt in france: Legal ways to cancel automatic withdrawals

In France, subscriptions to various services (gyms, internet, insurance, telephone) are often established by a contract that provides for the automatic debiting of funds from your account. If you have purchased a subscription and do not use the services, yet money is still being debited from your account, there are several legal ways to avoid incurring debt. 

Be sure to review the contract terms 

Carefully read the agreement you are about to sign. You should not rush into signing it. If you are not proficient in the foreign language, use an online translator. Pay special attention to: 

• «Terms for contract termination» (délai de résiliation) — how and when you can cancel the service. 
• The minimum subscription period (durée minimale d’engagement) — the minimum duration you are required to pay. 
• The conditions for cancellation in case of non-use — some contracts allow cancellation without penalty if you are not using the service. 

Send a written request to cancel the subscription 

Most French companies require an official written request to terminate a contract. The best method is a registered letter with acknowledgment of receipt (recommandé avec accusé de réception). In your letter, include: 

• The company’s name and your contract number. 
• The date and reason for termination. 
• A request to stop the debits. 

Use legal grounds to cancel automatic debits 

The law allows you to terminate a contract without penalties in the following cases: 

• Change of residence, if the service is unavailable at your new address. 
• Serious health issues, supported by medical documentation. 
• Financial difficulties, such as job loss (with supporting evidence). 

If your situation applies, attach the necessary documents to your request. 

Challenge unlawful payment demands 

If the company continues to withdraw funds or demands payment for unused services, contact the consumer protection authority (DGCCRF — Direction générale de la concurrence, de la consommation et de la répression des fraudes). 

What to do if your case is transferred to debt collectors 

Do not ignore letters from collection agencies. First, verify the legitimacy of the claims. If they are unfounded, send a letter of objection (lettre de contestation). 

Where to seek help for financial difficulties 

If you are facing debt, there are organisations in France that can assist: 

• ANIL (National Agency for Debt Information) — provides free advice on debt management and possible solutions, such as restructuring. 
• Consumer protection associations (UFC-Que Choisir, CLCV) — help with financial and consumer rights issues. 
• Local social services (CCAS — Centre Communal d'Action Sociale) — may offer financial aid or guidance to the right resources. 

Seeking assistance from these organisations can help you find a suitable solution and prevent further financial difficulties.