WhatsApp

RETIREES AND PENSIONERS · SPD ADVOCACIA

An unauthorized deduction from your benefit can be cancelled and refunded

Payroll loan, payroll credit card or association fee you never signed up for: the law allows you to cancel the deduction, get back what was taken and, depending on the case, claim damages.

Send my statement on WhatsAppKnow my rights
Initial review, no commitmentOnline service across Brazil and abroadWritten fees before engagement

COMMON SITUATIONS

Deductions that appear without your request

  • Payroll loan you never took out
  • Payroll credit card (RMC or RCC) you did not want
  • Association or union fee without authorization
  • Insurance or service deducted without your consent
  • Installments that continue after the contract is paid off
  • Money released into your account without your request

YOUR RIGHTS

What the law guarantees

Cancelling the deduction

Without a valid contract signed by you, the deduction has no basis and can be suspended.

Double refund

Amounts charged improperly may be refunded in double, unless there is a justifiable error (CDC, art. 42, sole paragraph). In September 2026, the STJ held in Theme 929 that this refund does not require proving bad faith by the bank.

The bank is liable for fraud

Under STJ Precedent 479, banks are liable for damage caused by third-party fraud in banking transactions, even without direct fault.

Damages

When the deduction causes serious harm, such as lack of money for medicine and bills, moral damages may apply, assessed case by case.

WHAT ABOUT THE INSS AGREEMENT?

Those who missed the deadline still have options

The deadline to dispute association deductions through Meu INSS, under the reimbursement agreement approved by the STF, ended on June 20, 2026. Those who did not dispute in time, had the dispute denied or have deductions from loans and payroll credit cards, which are not part of that agreement, may consider going to court.

HOW IT WORKS

From the statement to the solution, in three steps

1

You send the statement

In the Meu INSS app, download the payment statement and the loan statement. Send them on WhatsApp, along with anything you have from the bank.

2

We review each deduction

We identify what was contracted and what was not, how much has already been taken from the benefit and the fastest path.

3

Written proposal

You receive the guidance and the fee proposal before any engagement. The decision is always yours.

FREQUENTLY ASKED QUESTIONS

Common questions

Do I need to go to an office or agency?

No. All service is by WhatsApp and video call, and documents are signed electronically.

Money landed in my account, but I did not ask for it. What now?

Do not spend the money and keep the receipt. This helps show the loan was not requested and avoids disputes over who kept the money.

Is there a deadline to complain?

There are legal deadlines, so it is worth acting quickly. The sooner the review, the more installments can be recovered.

How much does it cost?

The initial review is free of commitment. If there is a case, the fee proposal comes in writing before any engagement.

Noticed a strange deduction on your benefit?

Send the statement on WhatsApp. The team replies with a review of each deduction.

Send my statement on WhatsApp

Informational content, in line with CFOAB Provision 205/2021. Each case requires individual review, and no information is a promise of results. Updated in September 2026.