Question about Gambling websites with Curaçao license using incorrect Merchant Category code (sida 234)

Du påstår att du hatar casinon men ska ändå ha betalt för att ge folk tips och sen provision om återkravet lyckas?

Man slutar aldrig att förvånas.

Jajamen. Vad är förvånande? Att en spelberoende med 2 mkr i skulder ser en möjlighet att hjälpa, men samtidigt tjäna nåt på det? Kan säga att några personer kontaktade mig igår, och jag ägnade flera timmar åt att chatta med dem om deras case och bara typ 2 av 6 har en chans att få tillbaka något. Absolut är det något jag skulle kunna göra enbart av mitt hjärtas godhet, liksom jag skulle kunna jobba utan lön. Men det varken vill eller har jag inte råd med. Om jag skulle skriva ut här exakt hur man kan gå tillväga, skulle det som sagt ta max två veckor innan den metoden är bränd eftersom folk skulle överanvända den, använda det felaktigt och inte tänker själva utan vill ha en exakt "mall" att utgå ifrån. Det är därför många inte har lyckats med de chargebacks de begärt hittills -för att de alla använder sig av argumenten de hittar här med felaktiga mcc-codes etc. Jag har inte begärt några pengar i förskott och skriver i princip att en i slutändan kan skita i att betala utan att jag kan göra något åt det -det får stå på ens eget samvete. Om man tycker att det är en dålig deal och att det är omoraliskt av mig, ja då får man tycka det.

Vad är problemet, detta är ett jobb personen utför. Ett jobb tar man betalt för.

Ska en busschaufför köra barn till skolan gratis för att vara snäll?

Ska en polis hindra ett rån för att vara snäll?

Ett jobb ska betalas så detta är ingenting konstigt. Personen lägger ner flera timmar på det.

Jättesjysst av dig att du ställer upp och hjälper de som är intresserade, inte girigt att få betalt för arbetet man lägger ner. Jag har lagt till dig på discord med. Tack på förhand

They just blocked my Kinghills account today nearly a week after telling them about my addiction

Do not use templates - be factual. You made transactions online and the amounts have been taken by a variety of merchants who provided no goods or services to you. Email all the merchants, show that they don't respond. Email the casino, show that they don't respond. There are various interpretations of chargeback rules and coding that can be used. You need to prove beyond doubt that the services you have allegedly purchased can be charged back under the rules of the chargeback scheme. If the bank say no then they have interpreted this differently and you need to raise a case to the ombudsman to get a decision.

Think I may bail out of this thread soon though - still think too many people will use this to freeroll and that is not what is intended here. If you are using this to do chargebacks again and again to freeroll these companies then I'm sorry, but I put you up there alongside these casinos who are engaging in the illegal practice in the first place.

What should be pushed is forcing the casinos to close the loop on depositing with debit/credit cards in jurisdictions where the practice is illegal e.g UK - transactions must be coded as gambling if they are for gambling. I have informed the UK Gambling Commission and provided a huge amount of evidence against some of these sites in the hope that something will shift in future. A co-ordinated effort is required by them in conjunction with Mastercard and Visa to stop this happening - this only works if these merchants are blacklisted going forward. I wish everyone the best of luck with their claims.

Also sent friend request

In which casinos it was?

Hi guys, I have a call with the bank in an hour regarding my complaint and they would like to know more about my case.. 2 questions as I don't really have time to go through the forum as I'm working.

1. What are the FOS case numbers I can refer too?

2. What is the Mastercard and VISA guidelines in regards to these transactions?

Any help would be so great! Thank you

Hi mate it was only with donbet...I don't know where or what I can do next as they have used the correct mcc code.

Need something in mastercard rules regarding whats on your statement they must be the ones you receive goods off.

Bank are saying because I've received funds in my gambling account they don't see anything wrong even tho I did not authorise them to give a 3rd party my details.

Really stuck

Just got my "kortreklamation" denied by Swedbank. They are saying because they used the wrong merchant code the bank couldnt stop the transactions. And therefore did nothing wrong.

1800 Euro of Canapay transactions. Canapay asked for KYC 3 weeks ago and then stopped answering.

Feels kind of hopeless

Still up for the fight with my bank and still a £100 reward for any successful help regarding this.

I need information stating that the merchants on your statement must be the ones to provide you goods or services.

I have looked and can't seem to find anything to help.

Jättekasst av Swedbank, man tycker att dom borde göra chargebacks eftersom du har fått mail från Canapay och att dom vägrar att svara.

Är ju inte vårat fel att bankerna inte kan stoppa transaktionerna och att det används felaktigt kod, bankerna borde istället sätta press på alla dom här bolagen och direkt ta vidare för chargeback när dom misstänker något skumt, istället är det kunden som förlorar alla pengar.

Hello mate,

Let me know what you need help with specifically. I currently have my ongoing complaint with the ombudsman, so I have time to help.

Nathan

They don't have to be the same name. However, you can prove that the merchant companies are not linked to the place you deposited the funds quite easily. For example, some book shop in Nigeria is unlikely to sell a gambling product are they? If the gambling company want to take ownership of the merchants then they are admitting their fraud aren't they? So they never will.

Firstly, get the Certificate of Incorporation or company details of the merchant, their website, emails you have sent contacting them asking for receipts. Figure out the MCC coding - it 100% won't be 7995.

Who are the merchants and what MCC code was used?

The merchant code used is the correct one 5815 for pixeleum and finnart.io for NFT's as that fits into the same category as bookes and music etc.

The bank are basically saying because the funds were received on the gambling site they can't do nothing about it that's where I'm struggling to go from here.

I have tried explaining everything to them in this thread I just really am stuck.

Tried the fact they should have been blocked by chase is its crypto related but the mcc code 5815 doesn't bypass the blocks as NFT's fit into the same category as mentioned above.

Really want to sort this out with my bank rather than the FOS and I know there will be some way I'll be able to.

I have screenshots from donbet that matches up with the same date and time as my statements. Obviously pixeleum and finnart.io are not responding to me emails now.

Also on my statements I have like 3/4 declined deposits from other merchants then straight after one that's been approved by pixeleum. This has happened a fair few times.

I'll be honest - haven't seen the NFT side of things before mate and I don't know the answer. The clearer ones are the likes of Bamimahas Enterprises who are a bookstore in Nigeria who have used some weird education MCC code - it is straightforward as it clearly shouldn't then be transferred to gambling. NFT's and Crypto are far more difficult to chargeback I would imagine.

If they have rejected your chargeback then you won't be able to sort it with them other than by raising a complaint. If the complaint still rejects your claims then you need to deal with FOS. You can also bring about legal action against the financial institution but you would need to consult a knowledgeable civil lawyer.