Have you been a victim of the French Multimedia Insurance Company (SFAM), which has become Indexia? Here is everything you need to know to understand this case and, if necessary, get out of the clutches of this company.
Since 2017, thousands of people have discovered undue deductions from their bank accounts made by SFAM, but also by other companies such as Foriou, Cyrana, Serena or Hubside. Some count up to 5 per month for an amount that can exceed 100 €. It is not uncommon for these levies to last for years and for the total damage to reach several thousand euros.
Originally, all took out a contract with the French Multimedia Insurance Company (SFAM), renamed Indexia a few months ago. In the majority of cases, the service was presented to them during a purchase in a store (Fnac, Hubside store or other) as an ordinary discovery offer, without them being clearly informed that this offer actually concealed 5 paid contracts. Many have had great difficulty in putting an end to these levies, or even never succeeded. Many victims have also seen the samples multiply and increase without anything to suggest it.
Ways to get reimbursed
Faced with what clearly appears to be deceptive commercial practices, UFC-Que Choisir has multiplied its actions. The processes have been denounced, consumers have been made aware and the authorities have been seized. A complaint was also filed. It is expected to go to trial by the summer. Above all, we have continued to give victims tools to help them recover their money. While many have already been reimbursed, thousands more are still pending.
Victims of SFAM have several levers on which to act depending on their situation. For the damages before 1is August 2020, the easiest way is to bring a civil action. They will thus be able to assert their rights during the future trial.
As for the samples taken from 1is August 2020, which are not covered by the legal process, they can be recovered by other means. The easiest way, if you are concerned, is to consult our online tool which, depending on your situation, will give you the best course of action. Also feel free to check out our Q&A on the upcoming trial.
