Yep, I breached the banks regulations apparently but I sent the disputes team a big email explaining the situation because I obviously didn't want my bank to get shut down. They called me twice but both times I was in work. I called them back and I was on hold for 45 minutes and I never called them back. But I sent them an updated email on Friday regarding it all so I'm waiting for a call. If I don't get 1 this week I'll call them myself. I admitted I made gambling transactions and that I relapsed due to personal circumstances going on, gambling is always my way out. But if they hadn't disguised transactions I wouldn't have been able to gamble so for me the blames on the merchants. I will be arguing that I didn't agree for other merchants to have my bank details, especially in foreign countries like Ukraine, Nigeria, Kenya. I've since had my Google mail attempted to be hacked multiple times and also transactions try to be taken from my account, my phone number spoofed, suspicious?
The chargebacks were classed as fraud because the merchants obviously said they provided goods. So end game was I got a warning due to that. But I let the bank know the real issue and it seemed they wanted to cooperate. We will see what happens. If I even get 2 merchants back I will be happy because it will be over 2500. Its a fresh start lol.
The only paid service for refunds should be provided from law firms/lawyers. Every user that claims here to help and ask money is likely to be a scammer especially when he/she has only one post advertising..