Question about Gambling websites with Curaçao license using incorrect Merchant Category code (side 153)

Hello,

Good one, I'd say.

if we were to assist these fraudsters, as you say, we would remove the entire thread at the first hint from the casino officials. We didn't. Instead, we encouraged them to be part of the thread.

Have you noticed any? I haven't. Well, figures. 🙂

The principle of never bite the hand that feeds you probably applies here ;)

I may have had some success directly from Jokabet in my case, they state they are refunding in full. Not sure if they will but may be worth trying, I can share the email I sent if you want.

Here's an email I've had back from Elegro.eu - whoever else has had success with them, what did you say?

Hello,

Unfortunately, we were not able to identify your personality, please turn to your bank officially and ask them to assist you with the refund process.

We will do our best to help you in this matter but direct bank contact is required.

Best regards,

Support Team

That does not make sense, if you understand what you just wrote. We have refused the requests of the casino representatives to maintain our objectivity and give all of those players a forum to address this crucial issue. In my opinion, there is no legitimate justification for utilizing an improper merchant code.

Casinos has requested that we look into this thread so that it can be closed. To use your own words, "we bit them"😉

You can also see that we leave his thread unmoderated if you look through it.

Either way, it is totally acceptable if you see things your way; as long as you follow the guidelines, everything will work out.

Response from Santander Credit Card, in the UK - bearing in mind it's illegal for merchants to facilitate gambling in the UK via credit card.

"This is not fraud, you authorised the payments. You gambled the money and we are not taking any responsibility for this."

They're just completely ignoring my claims on transaction laundering, falsifying merchant category codes and money laundering and illegal gambling activities.

They're basically saying it's my fault. What's the point in the UK Gambling Commission making gambling via credit cards illegal if there's no repercussion for any parties?!

Don't know what to do, feeling helpless again!

Has anyone else had any success?

Have you had any joy with ideas pay. All my emails keep bouncing back this was the merchant. I can’t find anywhere.

Grace Helms Nigeria Li, Idimu

You could try an ombudsman, if the casino is operating illegally then it's worth a shot

Rent spild af tid.

Na. Tried for 5 weeks now. Messaged associated companies at the same address. Associated people. They aren’t even a registered company in Nigeria

Depends which angle you come at it from, if they've offered their services illegally, and have violated mastercards ToS etc, or misadvertised then the ombudsman has something to work with

Just pulled this directly from Visa's T&Cs. Chargebacks can be made via "Condition 12.7: Invalid Data"

We need to make sure we tell banks this. Be open and honest, they can tell we authorised the transaction via our IP addresses. However, we didn't authorise under these incorrect MCC codes.

Han arbejder med de ting, vi arbejder med.

I sidste ende er ombudsmanden ikke obligatorisk, og udbydere vil ikke kommunikere med ombudsmanden, fordi de ikke skal.

Jeg går stærkt ud fra, at ombudsmændene allerede er klar over dette problem, MCC-forfalskning og den måde, transaktioner behandles på. De vil afvise sagerne, fordi det i sidste ende ikke nytter noget at forholde sig til udbyderne.

Med henvisning til banken og afvisning af en tilbageførsel og ombudsmanden: Ombudsmanden vil sige, at det er din egen skyld, det er en verificeret transaktion. Alt andet er en privat sag mellem forretningen på kreditkortet og kortholderen 😉 Der findes allerede ombudsmandsafgørelser om dette på internettet.

Ombudsmanden er ikke juridisk bindende, og selvom han var det, så er de kriminelle online casinoer ligeglade med loven 😉

@Wicked243:

Jeg forstår, hvad du mener, men DU skal bevise, at betalingerne er foretaget via casinoets hjemmeside, og at kortet blev belastet med kryptokøb eller bogkøb direkte derfra. Udbyderne kunne hævde, at købet blev foretaget direkte via deres hjemmeside eller eller eller 😉

Det vigtige punkt her er:

Bevis på, at betalingerne blev iværksat direkte fra casinoets hjemmeside. Det er bedst at gemme en transaktionsliste fra casinokontoen, så tiderne kan sammenlignes.

So you think if you can align payments to these merchants with payments to the casino you could be successful with a chargeback on the grounds of 12.7? Or 13.5 misrepresentation?

The ombudsman might not be legally binding but if they operate in conjunction with the bank and prove the services offered were illegal and in violation of the law then there's grounds for the charges to be reversed, the criminal casinos wouldn't be able to dispute as they're acting illegally so they can't take legal recourse

@ Frewcrew24 Korrekt, der skal være en forbindelse, så du har noget i hånden. Tiderne skal være identiske, måske 1-2 timer frem eller tilbage på grund af en anden tidszone.

@ Gojira7346 Bankerne er ikke ansvarlige for private tvister, det er der domstole for. Bankerne gjorde, hvad du ville, foretog den bekræftede betaling. Banker er ikke ansvarlige for at kontrollere, om en transaktion er i strid med loven eller ej. Desuden er der også en overtrædelse af loven af spilleren, der deltager i ulovligt spil.

True on the players part, but there's also plausible deniability, there's multiple sources advertising the websites as a legal UK option when in fact, it is not, the average gambler doesn't know about gambling laws, banks also have a duty of care, if there's illegal activity they have a responsibility to protect the customer and inform the relevant authorities. Not to mention on the websites part they (if legitimate) have a responsibility to act in accordance with the law in various territories, if they fail to do so there are heavy sanctions (some have received fines already)

Du skal forstå følgende:

De er kriminelle, de respekterer ikke love i overensstemmelse hermed

Har udbyderne også betalt bøden? Der er altid skrevet meget på papir.

I Tyskland gør udbyderne, hvad de vil. Der er spillere, som har sagsøgt og investeret mange penge i en retssag, de vandt i retten, men stadig ikke har modtaget nogen penge, og hvorfor har de ikke modtaget nogen penge? Fordi kasinooperatørerne er kloge og ændrer deres navne eller blot erklærer sig konkurs. Der er også lande, der ikke anerkender en dom fra udlandet, så fuldbyrdelse er umulig, og de udbydere, der har kontor et sted, er ligeglade, fordi de har base et sted i udlandet.

Retssager mod betalingstjenesteudbydere i Tyskland eller mod banker:

Også mislykket. Banken udførte betalingerne, som vi anmodede om. Banker har omsorgspligt, men ved banken, at en betaling til Mydates er i strid med en lov? Dette skal bevises; det er meget vanskeligt at bevise, at banken havde forudgående kendskab til dette.

En tilgang ville være hvidvask, men her skal banken være opmærksom på, at betaling XYZ til udbyder XYZ er i strid med loven. Men spilleren selv er den, der hvidvasker penge, fordi han godkender betalingen. Banken er ude af billedet, den gør kun, hvad du ønsker, den skal gøre, udføre betalingen. Alt andet er en privat tvist.

Domstolene ser det også som om, at vi godkendte betalingen, så vi var uheldige 😉

That may be the case in Germany but in the UK the laws, especially when financial things are involved e.g. fraud etc are taken very seriously, more so than violent crimes. If the casino operator changed names then they'd simply go after whoever is a director at the casino or its parent company, i think for smaller amounts the effort they'd have to go through to do these acts wouldn't be worth what the chargeback is for the casino. In regards to the bank if a dispute is raised they have a duty to investigate, regardless of whether the payment is carried out as requested, if the goods and services weren't as advertised there is a very strong case for a chargeback, not to mention the illegal aspect of the services they're offering, as long as you can prove you weren't to know any better and were under the impression that they were operating legally, i'd say you'd have a strong case.

Og hvorfor bliver næsten alle tilbageførsler afvist af bankerne?