Question about Gambling websites with Curaçao license using incorrect Merchant Category code (page 361)

Credit cards should be easy !

Hsbc is a pain. They are useless unfortunately. Dont know what to do with them.

Just follow the process mentioned here bud

Jameswright1998@hotmail.co.uk

Hello Paul, is there a quick way to find the process within this thread? I did just try to go through from page 1 but appears there are multiple different scenarios so I’m unsure where the process details are?

2133 EXT 22 EMBALENHLE, MPUMALANGA, 2285 South Africa my dear friend I hope you are well.

I'm looking for the company pnmm and all I found is this address.

Do you know anything more?

Ok im at work bud so cannot do one on ones with everyone all day sorry to say you just raise them incorrect mcc and if denied raise a complaint then keep protesting if all fails it goes to the fos thats it

No problem mate, and again, really appreciate your guidance (especially while you’re working).

you must feel pretty strongly about these instances, as do I, and I hope if I manage to recuperate funds, I’ll begin doing some kind of work on the side to help others going through this.

Well yes I do and I like helping others as would not like them left feeling the way I was, I have almost got all my money back still waiting on the bank so not wanting to mess it up really but still willing to offer support to fellow strugglers there is no magic formulae really apart from convincing the banks you are a problem gambler trying to recover the fact I was on a referral from gamcare and getting therapy helped my cause and then you just need to stress the fact they are standing in the way of you getting your money back easily and also your mental health I broke down on the phone a few times over the two episodes and im a big strong guy but the strong words from the bank gambling advisor brought it out of me the reality of what ive been doing

I can relate, and it’s good to finally hear someone further ahead of me that is doing well.

I’ve been suicidal since this has happened, feeling helpless, already started therapy for the gambling but as you said, this is standing in my way as I simply can’t process what I’ve done, almost like a blackout.

its great to know that by being honest, there can be some help and money returned.

I imagine everyone in this forum has had their darkest days, all you can do now buddy is do what you can to get the money back and never go to an unlicensed casino again. I’m pretty sure 80 percent of us have gambling related debt so best thing to do is work on getting that debt down then limiting gambling.

also mate when doing chargeback make sure you tell the bank you did authorise the transactions, it will go through as fraud otherwise and be declined. Mention wrong merchant codes were used therefor services they have said they have supplied are false. The bank will deny you at first as they are now told to dismiss any gambling related chargeback straight away, you’ll have to make a complaint and then they usually will put them through for you as wrong mcc code used and services not provided. I’ve won some and lost some but most merchants don’t reply to the chargeback as they would then be admitting to transaction laundering.

Hello mate,

Absolutely, a problem shared is a problem halved.

im already working on bringing down the debt, but had just accepted there was no way for me to ever see this money again. This forum has given me a sense of positivity or change that some money can be returned, especially due to the unethical way these offshore companies take the money and apply no duty of care.

I’ve simply just not had a clue how to approach the entire thing.

but I’m now going to speak to my bank about the various merchants used to process these transactions and see where that takes me.

See if you can raise them online its easier bud

I wish you all the best mate, you’re on the right track and that’s all that matters. I think the hardest part is knowing the next X amount of years are going to be used repaying debt etc. but ultimately after that, I’m sure the relief and the lessons learned will make us incredibly powerful in the future and can look back on this more positively, because it’ll be over.

I’ll keep my updates on here, and hope I can spread some positive ones.

Thanks mate lets hope we all get over this Ive had a lot of false dawns but hopefully not this time I am deffo never going on these sites again Ive bought premium bonds and do the lottery now.

if you need advise mate there’s plenty of people on here who can lend you a hand, what I would do is process chargebacks, and find as many merchants emails as you can (I imagine a lot of them have been listed on here previously so should be easy to find). If you look back to about the 10th page there’s a format that people have been using to send emails to the merchants to get a direct refund, I got around 2k back from lunu from emailing them directly.

Yep and then they claim to be not doing anything wrong 😞 it's awful what they are doing.

Yip bit of a joke to claim its all above board when you see the lengths they are going to taking money from you as the bank blocks it then it loops through about 10 different payment processors until one works so its all been well planned and thought out