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

You claim that you hate casinos but should still be paid to give people tips and then a commission if the refund is successful?

It never ceases to amaze.

Oh well. What is surprising? That a gambling addict with SEK 2m in debt sees an opportunity to help, but at the same time earn something from it? Can say a few people contacted me yesterday, and I spent several hours chatting with them about their case and only like 2 out of 6 have a chance of getting anything back. Absolutely, it's something I could do purely out of the goodness of my heart, just as I could work without pay. But I neither want nor can afford that. If I were to write here exactly how to proceed, as I said, it would take a maximum of two weeks before that method is burned because people would overuse it, use it incorrectly and not think for themselves but want an exact "template" to start from . That's why many have not been successful with the chargebacks they requested so far - because they all use the arguments they find here with incorrect mcc codes etc. I have not requested any money in advance and basically write that in the end one can shit in paying without me being able to do anything about it - that must be on one's own conscience. If you think it's a bad deal and that it's immoral of me, well then you can think so.

What's the problem, this is a job the person does. A job is paid for.

Should a bus driver drive kids to school for free to be nice?

Should a policeman prevent a robbery to be nice?

A job has to be paid so this is nothing strange. The person spends several hours on it.

Very nice of you to stand up and help those who are interested, not greedy to get paid for the work you put in. I have added you on discord with. Thanks in advance

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.

Big mistake from Swedbank, they think they should do chargebacks because you have received emails from Canapay and they refuse to answer.

Isn't it our fault that the banks can't stop the transactions and that the wrong code is used, the banks should instead put pressure on all these companies and immediately proceed with chargeback when they suspect something fishy, ​​instead it is the customer who loses all the money.

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.