By Raphaël MORENON
1 June 2025
When faced with a suspicious or unsolicited bank transfer debited from your account, it is essential to react quickly. Whether it is a transaction you never authorised, an error in the amount, or a direct debit whose legitimacy you dispute, there are legal steps you can take to assert your rights. It is essential to understand the difference between opposing and disputing a transaction, to know the deadlines for taking action and the procedures to follow with your bank or even in court. The legal framework for transfers is complex, but mechanisms are in place to protect users of payment services. Blocking vs disputing: definitions It is important to distinguish between blocking a transfer and disputing it, as these terms cover different situations and actions. Blocking (or revoking) a transfer generally means taking action to prevent a future transfer or direct debit from being executed. It therefore occurs before the transaction is irrevocably...
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