{"id":1282823,"date":"2026-10-13T15:25:03","date_gmt":"2026-10-13T19:25:03","guid":{"rendered":"https:\/\/stepstojustice.ca\/steps\/\/5-try-to-get-your-money-back\/"},"modified":"2026-10-22T12:54:08","modified_gmt":"2026-10-22T16:54:08","slug":"5-essayez-de-recuperer-votre-argent","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/5-essayez-de-recuperer-votre-argent\/","title":{"rendered":"5. Essayez de r\u00e9cup\u00e9rer votre argent"},"content":{"rendered":"\n<p>Il est g\u00e9n\u00e9ralement difficile de r\u00e9cup\u00e9rer son argent apr\u00e8s avoir \u00e9t\u00e9 victime d\u2019une arnaque, car les arnaqueurs dissimulent souvent leur identit\u00e9. Beaucoup r\u00e9sident \u00e0 l\u2019\u00e9tranger, ce qui complique la t\u00e2che de la police pour les retrouver ou les arr\u00eater.<\/p>\n<p>Si vous avez envoy\u00e9 de l\u2019argent par virement \u00e9lectronique, en cryptomonnaie ou sous forme de cartes-cadeaux, vous avez peu de chances de le ravoir.<\/p>\n<p>Si votre carte de cr\u00e9dit ou de d\u00e9bit est utilis\u00e9e pour payer quelque chose ou pour retirer de l\u2019argent de votre compte bancaire, vous pourriez recevoir un remboursement. Mais les banques et les \u00e9metteurs de cartes de cr\u00e9dit <a href=\"https:\/\/stepstojustice.ca\/fr\/steps\/debt-and-consumer-rights\/4-informez-vous-si-vous-devez-payer-quelque-chosee-voleur\/\">v\u00e9rifient d\u2019abord<\/a> si vous avez bien prot\u00e9g\u00e9 vos renseignements avant de vous rembourser.<\/p>\n<p>Le remboursement d\u00e9pend habituellement du type de transaction :<\/p>\n<ul>\n<li>autoris\u00e9e,<\/li>\n<li>ou non autoris\u00e9e.<\/li>\n<\/ul>\n<h3>Transaction autoris\u00e9e<\/h3>\n<p>On parle de transaction <strong>autoris\u00e9e<\/strong> lorsque vous communiquez vos renseignements personnels aux fraudeurs, m\u00eame si vous avez \u00e9t\u00e9 victime d\u2019une supercherie.<\/p>\n<p>Dans ce cas, il est g\u00e9n\u00e9ralement difficile de r\u00e9cup\u00e9rer votre argent, m\u00eame si vous n\u2019avez communiqu\u00e9 vos renseignements que parce qu\u2019on vous a escroqu\u00e9. <a href=\"https:\/\/stepstojustice.ca\/fr\/questions\/help-lawyers-and-paralegals\/comment-faire-pour-trouver-un-avocat-ou-un-parajuriste-qui-peut\/\">Demandez \u00e0 un avocat de vous expliquer vos options<\/a>.<\/p>\n<h3>Transaction non autoris\u00e9e<\/h3>\n<p>On parle de transaction <strong>non autoris\u00e9e<\/strong> quand le fraudeur vous vole vos renseignements personnels. Par exemple, si votre portefeuille est vol\u00e9 avec votre carte de d\u00e9bit \u00e0 l\u2019int\u00e9rieur. Ou encore, si des arnaqueurs mettent la main sur les renseignements de votre carte de cr\u00e9dit en piratant la base de donn\u00e9es d\u2019un magasin o\u00f9 vous avez fait un achat avec cette carte.<\/p>\n<p>Si des arnaqueurs effectuent des transactions non autoris\u00e9es avec votre <strong>carte de cr\u00e9dit<\/strong>, la loi limite votre responsabilit\u00e9 \u00e0 50 $. Mais certains \u00e9metteurs ne r\u00e9clament pas ce montant. Renseignez-vous aupr\u00e8s de votre \u00e9metteur pour conna\u00eetre les r\u00e8gles applicables \u00e0 votre carte.<\/p>\n<p>Si l\u2019arnaqueur effectue des transactions non autoris\u00e9es avec votre <strong>carte de d\u00e9bit<\/strong>, la loi pr\u00e9voit que votre banque ou votre caisse populaire doit vous rembourser le montant vol\u00e9.<\/p>\n<h3>D\u00e9posez une plainte aupr\u00e8s de l\u2019Ombudsman des services bancaires et d\u2019investissement<\/h3>\n<p>Si votre banque, votre caisse populaire ou votre soci\u00e9t\u00e9 \u00e9mettrice de carte de cr\u00e9dit ne vous rembourse pas, vous pourriez \u00eatre en droit de d\u00e9poser une plainte aupr\u00e8s de l\u2019<a href=\"https:\/\/stepstojustice.ca\/fr\/resource\/ombudsman-des-services-bancaires-et-dinvestissement-osbi\/\" target=\"_blank\" rel=\"noopener\">Ombudsman des services bancaires et d\u2019investissement (OSBI)<\/a>.<\/p>\n<p>L\u2019OSBI r\u00e9sout les probl\u00e8mes entre les soci\u00e9t\u00e9s financi\u00e8res et leurs clients lorsqu\u2019ils n\u2019arrivent pas \u00e0 s\u2019entendre. Il n\u2019intervient que si la soci\u00e9t\u00e9 participe aux services.<\/p>\n<p>L\u2019OSBI est impartial : il ne travaille pas pour les banques, les caisses populaires ou les \u00e9metteurs de cartes de cr\u00e9dit. Il vous aide gratuitement.<\/p>\n<p>Pour en savoir plus, consulter le site <a href=\"https:\/\/stepstojustice.ca\/fr\/resource\/ombudsman-des-services-bancaires-et-dinvestissement-osbi\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.obsi.ca\/fr\/<\/a> ou composer le <strong>1 888 451-4519<\/strong>.<\/p>\n<h4>Vente \u00e0 domicile<\/h4>\n<p>Si vous avez \u00e9t\u00e9 victime d\u2019une arnaque par un vendeur itin\u00e9rant, vous devriez pouvoir annuler le contrat que vous avez sign\u00e9. Pour en savoir plus, consultez la question suivante : <a href=\"https:\/\/stepstojustice.ca\/fr\/questions\/debt-and-consumer-rights\/un-vendeur-itinerant-exerce-de-la-pression-sur-moi-que-puis-je\/\">Un vendeur itin\u00e9rant a exerc\u00e9 de la pression sur moi. Que puis-je faire?<\/a><\/p>\n","protected":false},"author":6,"featured_media":0,"template":"","class_list":["post-1282823","steps","type-steps","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.7 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>5. 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