Question about Gambling websites with Curaçao license using incorrect Merchant Category code (page 820)

I just told u, you have no chance against Payop or any other payments you made by bank transfer. They’re gone believe me don’t waste ur time with them

I totally get what you’re saying but I need to continue with this and get Payop sanctioned for their part in the illegal transactions

even if it is only to help prevent someone else from getting sucked in the same way we all have

Chances are the small minority here reporting Payop. What probably about 5-10 people in the world? They won’t bother with such little attempt unfortunately, I’m pretty sure Payop admits it’s for gambling

God bless you, mate — no, I'm not a casino and I'm not here to scare anyone. By all means, go ahead and claim chargebacks — that's what they're there for.

I have been reading the forum for the past three months. In fact, it had a devastating impact on me, as I had already quit gambling, added all restrictions, and was on the road to recovery. I haven't played on Paddy in eight months and am happily on Gamstop, but reading here how some of the lads manage to get their money back brought those stupid thoughts back into my mind. I thought I could play just a bit. I was certain that part of my life was behind me until I saw that some people manage to get refunded.

Every evening my brain goes "if I lose, I'll simply chargeback," and I use that excuse to play. Every morning I say I won't play again and it's all going to be fine.

This forum has completely ruined my life after I had at least partly recovered the pieces. I'm not blaming anyone but myself, of course—OK, probably Casino Guru a little, as they're in the same exploiting business. In fact, they're paid money to advertise those casinos.

Now I'm back with £25k debt and a CIFAS on top for "providing false information with intent to defraud." I have severe depression, and gambling is the only thing that makes me happy, at least momentarily. The worst part is that this repetitive pattern happens every night: I just sit down and browse some of the comments, get pumped up that I'll get the money back, and then I gamble.

I did get a Code 8 – First Party Fraud, and yes, it's been confirmed directly via DSAR from CIFAS. The only reason I ended up flagged was due to multiple "goods not received" claims — that's literally the only route I ever used. Around 15 transactions in total.

I don't want to go into too much detail on an open forum because unfortunately there are a few bad characters who trawl these threads.

Honestly, if you raise a dispute with Revolut saying you didn’t receive the goods or services (mastercard), they usually contact the merchant within 12 hours. They’re really on top of it. Monzo, on the other hand, can take up to 30 days to even raise the same kind of dispute. It feels like they’re either not set up properly to handle disputes, or worse, maybe they’re somehow tied up in this whole fraudulent payment mess. Some of the things Monzo has done just don’t add up.

I get what you are saying about the not set up part, Chase said they are not experts in disputes after I challenged the 45 day Mastercard terms to Chase 53 days. I think they have either a small team which doesn’t reply or it’s offshore as there are so many similarities with Starling, Monzo and Chase.

To be fair the bigger banks are hit and miss, especially when gambling is stated the only saving grace is FOS may side with you if it’s Visa and you have the evidence, I wouldn’t even chance mentioning gambling on Mastercard.

You need to complain directly to Barclays to get it removed, then if that fails you can approach CIFAS directly, then FOS if both reject.

I am really surprised that you have one for 15 as many on here have done a lot more possibly it was the way they were done and the evidence supplied.

Did you win the chargebacks? If so then they shouldn’t really be flagging for fraud, it was me I would explain to Barclays that the evidence is correct and then potentially explore the facts, saying no goods was received from these companies and bypassing blocks. The fall back is you are not a trained professional so you thought that was the only route (if you mention gambling),

again citing the fact no goods were ever received.

I would also look at seeking actually support for this and not risking it to strangers on a forum.

This does go to show the risks we are involved in and people do need to spend time thinking the chargeback through especially getting good evidence either route you go .

yeah it will probably lead to nothing but I have had an email back from patios partner today advising they want to resolve the issue and asking for dates times amount of payments and the casino that they went to along with evidence of their licence or none licence status to verify my claims. Hoping something comes of it. They say they will respond to me in 14 days so we shall see

I see where you're coming from, but if it ends up at the FOS, I think the best strategy, especially when gambling is involved, is to come at it from a regulatory angle. The FOS is not there to rule on card scheme rules like Mastercard versus Visa, but to assess whether the bank acted fairly, responsibly, and in line with its FCA obligations. If you can show the bank failed to do proper due diligence, ignored red flags, or mishandled the dispute process, that is exactly the kind of thing the FOS is set up to investigate and where they tend to side with the customer.

A lot does depend as well on the individual handler, some of the decisions I have seen via work make little or no sense. People

really need to take the time reading FOS guidance and various wording, the main one that comes up win or lose is we expect a chargeback to be raised if it has a chance of succeeding so evidence is key, there are also guidance on if rejected the banks must state why, most of these rejections they don’t give a good enough reason, such as credit cards section 75 doesn’t apply but chargeback does

The banks are a pain but too many on here nowadays don’t seem to either be following advice or want everything spoon fed for a quick win.

Banks shouldn’t be refusing any chargeback especially goods not received so it amazes me they do, but as we have said before get good evidence then approach it.

I agree this isn’t a quick fix. We are dealing with professional scammers at the end merchant level who go as far as fabricating receipts in their false narratives to exploit vulnerable victims. Unfortunately, consumers often have to navigate this complex and unfair game, jumping through hoops just to have any chance of receiving justice.

hi everyone! I have had a response from swipez. What is anyones thoughts that have had this email? Thank you!

Likely refund coming like others have had

You'll be refunded it's as simple as that. Swipez are quite good in that sense.

Thing is you can be really clever with it - digital games/skins etc get a steam account send evidence on the wallet nothing received also covers you when they falsely claim it went to X account as you have yours in your own name. That won me 12 chargebacks after bank asked for more evidence, cleared a few blockages on Chase as well. Just got this pain to get through on Barclays via 12.7 probably should’ve stick goods not received but I would of been in the 30s back which would of likely led to further hassle

This Lee Morris the FOS guy is a gimp ! look at his reply he thinks the Revolut chat bot is a person he attached this when you answer questions to deposit plus some nonsense about they tried to do something but they never then s link to report to the gambling commission !

Dear Mr McEwan

Thank you for your email and further comments.

Please find attached your chat messages with Revolut Ltd which detail your conversations, the messages started on the 28/01/2024 at 11.22am mention the gambling block and information on how to close the account to which I referred.

With regards to your comments about the legality of the websites, this is not something this service can consider as we can only look into Revolut and if they could have pursued a chargeback, as mentioned, Mastercard are clear that it is not possible to raise a chargeback here so Revolut Ltd haven't treated you unfairly. You've mentioned other companies raising chargebacks and them being successful, I don't know which card scheme they were raised under, however, Mastercard rules are clear here and a chargeback didn't have a prospect of success.

You may wish to raise you concerns with the legality of these sites, or concerns with how they operate with the Gambling Commission, if you've not done so already, its contact details can be found here https://www.gamblingcommission.gov.uk/public-and-players/complaints

I'm sorry that this was not the answer you had hoped for.

Yours sincerely

Lee Morris

He has came back already and said this;

Dear Mr McEwan

Thank you for your email and further information.

I'll look into this and will come back to you.

Yours sincerely

Lee Morris

I smell a casino plant in here today anyone else spot it