Question about Gambling websites with Curaçao license using incorrect Merchant Category code (page 157)
I got a letter from the bank on my APP saying they had tried taking a payment, and the back has blocked it and contacted them.
We have received your card complaint and then investigated whether you are entitled to compensation for them
amounts that you have claimed to us. In our investigation of your case, we have compiled it
information that you have entered in your card complaint and then checked this against technical
data and the conditions that apply to your card.
You have carried out the purchases you are claiming yourself but have stated that you believe the bank should
have refused to carry out the transactions because the transactions relate to gaming transactions.
According to the gaming regulation, payment service providers must reject payment orders there
is used and where authorization has taken place through the use of MCC code 7995, all below
condition that the card transaction takes place with a sales company that should have a Swedish gaming license
but who miss it. Because MCC code 7995 has not been used in any of the transactions
as you claim, the bank had no obligation to reject the transactions in question.
You yourself are responsible for which pages you provide your card details to and for reading them through
terms and conditions that apply to the sales company you enter into an agreement with.
The bank has carried out the transactions correctly in accordance with the payment instructions you have
left.
There is no basis for you to request that the bank restore your account with a complaint
amount. The bank has therefore decided not to grant your card complaint.
In the attached information sheet, you can read about where you can turn to in your case if you
believes that the bank's decision is incorrect.
I know who these are but you won’t get the money back. I even contacted the payment provider who claims to have contacted them on my behalf.
mgtechstores.com
thejansel.com
both email address on the websites are fake
So the bank sides with them! Nice and serious. But what should one expect from a bank that has previously laundered money in these areas
is this what has been said to you or are you telling somebody
has anyone had any dealings with Gladys Technologies
To be honest
these sound dodgy
i haven’t found anything on google relating to them
chargeback with your bank
The banks usually know nothing about the payment service providers' schemes.
It's just a standard response from the bank, self-authorised, own fault. The bank is liable if they charge back the 3DS transactions.
However, the bank would have to fulfil its duty of care and report the transactions to Mastercard accordingly so that the merchants are blocked. It's almost the perfect way to launder money. No possibility of chargebacks because receipts are missing etc.
What did you report to the bank when you successfully made chargebacks? How long did it take for you to charge back? I'm stuck with Revolut. thank you
I said to them that I’m raising a merchant dispute due to the company closing my account down and not returning my funds. I also told them that in my country(United Kingdom) it’s illegal for them to let you use their platform
My chargebacks took a few weeks. Less than a month. I had no funds in the account but I did have cashback in there
I appealed Swedbank's decision (above) to their customer ombudsman.
I have around £4700 of transactions with Santeda through open banking I contacted my bank today and tried to raise a dispute but they were having none of it as I had received a transaction back from Santeda at some point I tried to say that they have just done this to keep me engaged and depositing funds but this fell on deaf ear’s, any advice or does it sound like a lost cause ? I’ve also been in touch with the financial ombudsman today explained the situation to see if they can do anything about this
Tbh I’ve tried getting money bank from open banking and there’s literally no way as you can’t raise a chargeback. I tried contacting the payment provider who was WINTERMDSE for around 1800 and they just ignore me now so they’re never going to return the money either. The only way you can get it back is if Santeda refunds you, I’m not sure about financial ombudsman as I haven’t gone down that route. I feel like now you have your rejection from the bank, you can defiantly contact them to see if they can help. You can try say to them you have a gambling block on your card, you’re a vulnerable person and the company used a wrong merchant code to bypass the gambling block on your card, id write a fully prepared statement
When I spoke to the bank on the same matter they say mmmm well it’s not fraud as you made the payments, we understand your situation but we can’t help.
