Question about Gambling websites with Curaçao license using incorrect Merchant Category code (sida 703)

Definitely keep fighting!!! I really hope everyone wins with them. I had over 2k with TSB but I backed out of raising it when I saw they’d closed someone’s account on here, might go back to raise it once I have more information

You might struggle with that - they are showing as having active licenses on the gambling commission website

Unbelievably awful day for me. I raised chargebacks with the bank in November, I was upfront about the unlicensed casino, payments processed using wrong mmc ect. All chargebacks were declined. I took it to FOS under failure to notice unusual account activity and protect me from gambling related harm and failing to raise chargebacks on my behalf even though they are processed fraudulently. I received my report from FOS stating the bank is not responsible. I'm now in 85k debt and nowhere left to turn. I cannot see a way out of this situation, I at least had hope FOS would resolve some of my complaint but absolutely nothing. In a very black hole now

Please help! Looking for advice from similar cases

I have submitted a formal dispute with Barclays on charges made via debit card purchases. I have been honest with saying they were gambling payments made etc and raised the complaint with the misrepresentation argument and that the payments were circumvented. They have raised the dispute (good news) and it looks like they have raised it on good/services not received. They have now sent me a letter asking for confirmation of the dates the goods/services were due to be received.

What should I respond with? Any advice is greatly appreciated.

No - they are licensed in the UK so you won’t have anything to go back to them with. Most of the Malta companies are

I would go back with the dates the payments were taken. With it being digital goods they would usually be delivered within a few hours of purchase

I'm in the process of trying to figure out the best way to go about things, unfortunately I'm a home owner and fear we may loose our home due to my failings. Severely struggling to understand how the banks and FOS can help some people but not others. This addiction has completely ruined my life. There are not set rules for help. I can't continue to fight or work threw this anymore, even when acting illegally it seems the house still wins

I’m just so confused because I’ve made my point initially that I did makes these payments but argued they were illegally processed. Then they have raised the dispute on goods not received and have asked for confirmation of the dates the goods/services were due to be received. I don’t have any confirmation from the merchant so I don’t know what to say

Just explain you have not received any receipts from them etc.. the fact they have raised them as goods and services not received will actually work better in your favour.

What were the merchants names? I might be able to help with emails. If you send them an email explaining you have not received anything from them and you want a refund… they won’t reply and you upload the email as your proof

Merchant INPIGR1 - location is prague. If anyone knows who they are please let me know.

Thank you. It’s bistsent.eu

bitsent-support@bitsent.eu

send them an email requesting a full refund. Then screenshot the email and upload it stating they have ignored any correspondence you have sent to them 🙂

good luck

Might help with bank transfers - related uk case law

• R v. P (2015): In this case, the court found that a financial institution was guilty of facilitating illegal gambling transactions without proper due diligence. The case emphasized that financial institutions and payment processors must take steps to ensure their transactions are not linked to illegal activities.

• R v. Smith (2012): A payment processor was found liable for failing to ensure that transactions were lawful, underscoring the importance of compliance with legal obligations.

• National Crime Agency v. X (2017): The court highlighted the duty of payment providers to comply with Anti-Money Laundering obligations, and the failure to implement these checks could lead to violations of UK law, especially if suspicious transactions were not reported.

Do you have an email address I could reach out to you on.