Hvad angår Mastercard, så fastslår deres egne regler, at enhver anden kode end 7995 og spilforhandleren skal handle i henhold til landets gældende love.
Mastercard oplyser, at spiltransaktioner ikke refunderes, men hvis de er kodet forkert, kan det ifølge britisk lov ikke betragtes som en spiltransaktion. Banker bruger dog ærlighed og integritet hos forbrugere, der indrømmer at bruge spillesider, til at nægte at foretage en chargeback.
FCA siger, at hvis der er dataafvigelser i betalinger, og kunden bestrider betalingen, er det ikke bankens opgave at afgøre, om en chargeback er mulig. (Der er sager på FOS' hjemmeside, der bekræfter dette, og jeg vender tilbage med sagsnumre), men banker ser hasardspil og afviser chargbacks, og det ser ud til, at FOS også gør det i mange tilfælde.
Hvis du åbner en sag hos FOS, og den ikke stadfæstes, skal du anmode om al den dokumentation, de baserer deres afgørelse på. Jeg har lige vundet en sag, da jeg afviste afgørelsen, da da jeg gennemgik beviserne sendt fra banken, var de alle relateret til en tidligere klage og ikke havde nogen relevans for det, jeg havde rejst!
Re Mastercard, their own rules state that any other code other than 7995 and the gambling merchant must be acting under the countries applicable laws.
Mastercard do state that gambling transactions will not be refunded however if it is coded incorrectly, by uk law it cannot be deemed as a gambling transaction. However banks are using honesty and integrity of consumers admitting to using gambling websites to refuse raising chargeback.
The FCA say if there is data descrepencies with payments and customer disputes the payment it is not for the bank to decide if a chargeback is viable. (There are cases on FOS website to confirm this I will come back with case numbers) however banks see gambling and deny chargback and it would seem so are FOS in many cases.
If you open a case with the FOS and it is not upheld request all evidence on which they base their decision. I have just won a case as I rejected the decision as when I reviewed the evidence sent from bank it was all related to a previous complaint and held no relevance to what I had raised!
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