ForumKlagesagerQuestion about Gambling websites with Curaçao license using incorrect Merchant Category code

Question about Gambling websites with Curaçao license using incorrect Merchant Category code (side 189)

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1 måned siden

Update on my case: the ombudsman is in contact with chase, they're asking them for details, and have asked me for my details on the situation, still awaiting a reply from mastercard, but they have escalated it to their relevant team. chase bank were pretty much no help as they took days to send me email addresses etc to send over evidence then rejected my initial dispute then when i reopened it they rejected it again within an hour despite the evidence taking a lot longer to get through, just seemed like they wanted it off their desk so to speak.

they used third party vendors and miscoded their transactions as MCC 5816. DIGITAL GOODS: GAMES instead of MCC 7995 which is gambling, on top of not paying out because i'm not in their jurisdiction(they're prohibited from operating to UK customers), despite them letting me sign up and approving the KYC.

(my dispute is with goldenbet/santeda international b.v.)

1 måned siden

I'm interested to see how this pans out! I am thinking of contacting an ombudsman myself. To get everything I can back from all santeda casinos. I only ever managed wintermdse from goldenbet. Keep us all updated with what is going on 🙂

1 måned siden

Hello,

i’ve contacted the ombudsman. I’ve sent all the casino "Receipts" which i got from the casino support. He wrote that i will get the answer in 30 days.

it was 30.07.2024, should i wait or its better to write to him? Or should it be 30 work days? 😅

Redigeret af forfatter 1 måned siden
1 måned siden

Hi has anyone dealt with compliance world in Cyprus or kenava?

Indlæg af carsix79 er blevet slettet
carsix79
1 måned siden

I didnt, it is thru my bank

Indlæg af carsix79 er blevet slettet
1 måned siden

Does anyone have a template to send to your bank/credit card company explaining your gambling addiction and also incorrect merchant codes er

LizzieCG
1 måned siden

I think this link has the templates on: https://exclusive-icicle-e54.notion.site/Refunds-8dbe7bee16854c0b92dd5e8ba21a9890


1 måned siden

Hej,

Mange tror, at de har fundet et stort "held" i Ombudsmanden, og at han nu vil tage sig af alt det andet for dem, men det er ikke tilfældet.

Ombudsmanden tjekker, om banken har begået en fejl; banken er ikke forpligtet til at foretage en tilbageførsel. Dette gælder kun, hvis kortoplysningerne var kendt af tredjemand, i hvilket tilfælde banken skal handle; i alle andre tilfælde er der ingen forpligtelse. Det ofte citerede punkt 12.8 fra VISA kunne muligvis fungere, men jeg ser en chance på 20%.

Det ville være dejligt, hvis jeg kunne deltage i ulovligt spil med falske koder og så bare få dem tilbage, spil uden nogen risiko.


Ombudsmanden vil kontrollere, om transaktionerne er blevet verificeret; hvis ja, har banken gjort sin pligt.

Alt andet er en privat tvist, og det skal banken ikke føre tilsyn med. Selvom ombudsmanden sagde, at banken skulle foretage en tilbageførsel, behøver den ikke at gøre det, ombudsmanden er ikke juridisk bindende. Og jeg er ikke bekendt med nogen beslutninger fra forskellige lande, der er til fordel for spilleren; de har en tendens til at afgøre imod spilleren.

Spilleren er ansvarlig for sine betalinger med kortet, ikke banken. Og hvad mere er, at skjule MCC er lidt af en gråzone. Indtil videre har ingen domstol taget stilling til dette, ifølge VISA er det tilsyneladende forbudt og Mastercard har ikke kommenteret dette, kun i pressen.


Jeg ved ikke, hvem der har skrevet det, men nogen forsøgte at kontakte Mastercard. Forvent ikke meget, Mastercard kommunikerer ikke med kortholdere, dette er bare en besked de sender af høflighed, du kan vente evigt på et svar. De kommenterer ikke på dette.


Det er bedre at lægge sin energi i at blive fri for spil end at genere ombudsmanden. Selvom han har svaret dig, er det på ingen måde et "godt tegn" - ombudsmanden gør sit arbejde. Han har formentlig allerede behandlet 234 andre sager relateret til spil og venter bare på bankens svar, hvis det overhovedet kommer 😉



Jeg angriber ikke nogen med dette indlæg, jeg beskriver blot mit synspunkt, baseret på mine egne erfaringer og forskning.



Redigeret af forfatter 1 måned siden
Automatisk oversættelse:
KatzeisBack
1 måned siden

There are many false statements here.. I would try and avoid making statements like this unless you have done all of the necessary research across the various jurisdictions you're referring to.

KatzeisBack
1 måned siden

In the UK credit card transactions used for gambling are banned. So the wrong MCC is vital in whether a transactions is let through or blocked. It's not the banks fault that it has been let through, however it is within their customer protection to raise a chargeback in this case and I urge people to go to the Ombudsman if their bank is refusing the chargeback.

As well as this, it is illegal for a casino operating without a UK-issued gambling license to accept UK players.

KatzeisBack
1 måned siden

DRN-4400536 and DRN-4443965

Google them before making incorrect statement's.


The issue is banks are saying they won’t chargeback which is false, when chargeback is initiated then the chances of these companies coming back is very low.

Many UK banks are/were refusing to act and the ombudsman is telling them to act now or be liable themselves as per these decisions.


Redigeret af forfatter 1 måned siden
KatzeisBack
1 måned siden

He is still helping me even after getting loads of them back as he wants me to get it all back so maybe just your luck who you get maybe ?

n4t7wsrz2w
1 måned siden

Uden at træde over tæerne har du altid et ensidigt udsyn, andre love kommer i betragtning. Du har tunnelsyn uden at fokusere på andre fakta. Hvis der er mange falske udsagn, hvorfor afviser ombudsmanden så altid spilleren, eller bankerne nægter en tilbageførsel?


  • Hvis spiludbyderen tilbyder sine tjenester ulovligt, er deltagelse også ulovligt, en mulig overtrædelse af loven på grund af deltagelse i ulovligt spil. Du kan miste alle rettigheder på grund af dine egne ulovlige handlinger, hvad enten det er bevidst eller ubevidst.


  • Hvidvaskning af penge: Alle betalinger, uanset om koden er sløret eller ej, er ulovlige. Du kan miste alle rettigheder gennem dine egne ulovlige handlinger, uanset om det er bevidst eller ej.


  • Mastercard / VISA udelukker tilbageførsler relateret til hasardspil, uanset om koden var skjult eller ej. Betaling modtaget til gengæld i kasinoet, midler blev krediteret. Afvisning selv med forkert kode


  • Overhold bankernes vilkår og betingelser; ulovlige formål er normalt forbudt, ligesom betalinger relateret til gambling. Hvidvaskning af penge er også forbudt.


  • Overhold gældende love: Lov om betalingstjenesteudbydere med henvisning til autoriserede betalinger er autoriserede betalinger normalt uigenkaldelige betalinger med kreditkort og bankoverførsler, med undtagelse af kortbetalinger. Tilbageførsel kun i tilfælde af åbenlyst svindel, spionage på kortoplysninger, service ikke leveret (meget tvivlsomt i tilfælde af spil under falsk kode)


  • Kreditkort tjener som en erstatning for kontanter; hvis betalinger kunne gentages så let, ville hele betalingssystemet være ubrugeligt.


Jeg forsvarer ikke udbyderne, men udbyderne fortsætter med at eksistere, fordi vi alle betaler dem. Nogle gør dette, selvom de ved, det er ulovligt, fordi de har haft oplevelsen før, andre gør det ubevidst.


Og for nogle er det blevet en nationalsport at spille på kasinoet og derefter tilbagekræve betalinger med en ændret kode, fordi de ikke vandt.



Redigeret af forfatter 1 måned siden
Automatisk oversættelse:
KatzeisBack
1 måned siden

The bank told me the money was not even going to a company but one persons account ! its fake sites no chance of winning and if you do win big they do not pay out !

KatzeisBack
1 måned siden

These illegal casinos are preying on people with issues. If lots of people on here didn't have issues in the first place they wouldn't have been depositing to these sites, because they would use UK based casinos, but obviously we have all used blocks to make sure we cannot deposit to these sites and these offshore casinos are just mopping up the problem gamblers by exploiting flaws in the finance system.

I'm sure 99% of people on here would admit they probably have/had an gambling issue, but they've tried to put measures in place to make sure that they cannot gamble...

KatzeisBack
1 måned siden

My view is not one-sided as I have not put forth a view.


I merely stated you were making misleading false statements, which you were.


e.g. Ombudsman is not legally binding - yes here in the UK it is.

KatzeisBack
1 måned siden

The bank said they were not going to q casino site but someones personal account its fake sites with rigged games and if you do win big they do not pay out only small wins to rope you in !

1 måned siden

There are multiple considerations:

If the correct codes were used then either the gambling block or gambling ban in the case of a UK credit card would stop it.

Using incorrect code to bypass the UK laws is transaction laundering, the issue is two fold, bank refuses chargeback, ombudsman says you shouldn’t refuse to.

Next part chargeback started but then disputed by the merchant, this is where the ombudsman may say not my problem, but the key point missing is just to even get some banks to authorise the chargeback is the problem.

Also these are not gambling transactions as per the code so the point around Visa/mastercard saying cannot dispute gambling transactions is false, maybe if they used the correct code and you tried chargeback it would apply.

1 måned siden

Wintermads have come back to me saying they need 2-3 weeks to investigate. Did others have to wait this long? I might just dispute with my bank.

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