The casino decided to close the player’s account and confiscate all winnings without any explanation.
The casino decided to close the player’s account and confiscate all winnings without any explanation.
I won in the casino, in the end my money is not paid out and is simply deleted and reduced to 80 euros.
After contacting them, they only mean general terms, I also closed my account with them.
We already talked with this player and here is what he told us:
I have loaded 70 euros into my account and have played normally and have not received any bonus. When I had 4600 euros on it, I wanted to have the money withdrawn suddenly I saw that I was in a bonus system, which meant that I had to earn 40 times the stake so that I could withdraw the money. When I was at 3900 euro I had 40 times what the whole thing showed me with%. Where the 100% came from, the casino deleted my money and loaded me with 86 euros.
Which is just not fair and wrong. "
"I had my account deleted because I don't play on sites that take my money away"
Hello, Besar Sejdii!
We are really sorry for that inconvinience! But unfortunatelly we cant accept users from Switzerland because we act via conditions that is established by MGA license. Our payment department made the refund of your deposit according to Terms and Conditions of Loki Casino:
"4.3 For various legal or commercial reasons, we do not permit accounts to be opened by, or used from, customers based or domiciled in certain jurisdictions. You may not use the Website and/or the Services if you are located in a prohibited jurisdiction. The fact that the Website is accessible in a prohibited jurisdiction, or that the Website is provided in the official language of a prohibited jurisdiction, shall not be construed as condoning the use of the Website in such prohibited jurisdiction. Any attempt to evade this restriction (e.g. by using a VPN, proxy or similar service that masks or manipulates the identification of your real location, or by otherwise providing false or misleading information regarding your location, citizenship, or place of residence, or by making bets or wagers using the Website through a third party or on behalf of a third party located in a prohibited jurisdiction) is a breach of these Terms and may constitute a criminal offence under applicable laws. If it becomes apparent, or we have reasonable grounds to suspect, that you are located in any of the prohibited jurisdictions, this may result in us closing your Account, without an obligation to provide you with advance notice, freezing the funds therein and providing the applicable details to any relevant authorities and you shall compensate us for any damage or loss resulting therefrom."
"28.3 Players accessing the website from and/or resident in certain jurisdictions may be prohibited from doing so because of their location and/or residency. These jurisdictions shall be chosen by the Company at its sole discretion and include, but may not be limited to: Afghanistan, Armenia, Belarus, Bosnia and Herzegovina, Bulgaria, Cambodia, China, Comoros, Congo, Denmark, Estonia, Ethiopia, France, French Guiana, French Polynesia, French Southern Territories, Georgia, Greece, Guadeloupe, Hungary, India, Iran, Iraq, Ireland, Italy, Jordan, Kuwait, Lebanon, Libya, Martinique, Mauritius, Mayotte, Moldova, New Caledonia, North Korea, Pakistan, Palestine, Portugal, Puerto Rico, Reunion, Romania, Saint Pierre and Miquelon, Saudi Arabia, Somalia, Spain, Sudan, Syria, Turkey, Ukraine, United States, Wallis and Futuna, Western Sahara and Yemen."
Unfortunatelly, refund is only one possible way for us in that situation, because rules are same for any users of casino.
We do really appreciate you choise of our casino and if some day our License will allow to us accept users from Switzerland we would be really glad to meet you again!
Loki Casino Team
Your text makes no sense. When I registered everything went well, I won 4600 euros and I was somehow in the bonus system even though I did not select a bonus and did not receive a bonus. The bonus barometer went to 100% when I was at 3900Euro, where the bonus barometer went to 100% and I wanted to withdraw the money the money was gone. In the chat it said that I had received a bonus and could therefore only pay out 200% of what I deposited, after which I only had no approx. EUR86 instead of the EUR 3900 on the account. How does it work that I can play until god knows how much and as soon as I want to withdraw the money disappears, let alone because I have never activated or received a bonus.
I explained to the casino representatives privately, we are judging complaints based on our fair gambling codex.
Where is written that casino should block players from restricted countries; however, if the casino accepts player from the restricted country by accident, they should treat him as he comes from the allowed country. Pay him all the winnings and block his account.
In your case, the casino should pay you your winnings instead of returning the deposit.
We understand their position too, but we believe that pay the player is much fairer then returns the deposit. Let me explain why. In case that this player loses then the casino keeps his money. In case of a win, casino return the deposit, and that is unfair.
We have no other choice as to mark this complaint as "unresolved". This complaint will have a special category - "against fair gambling codex." It will have no such a significant impact on the rating because the casino was acting according to their T&C's but still visible for other players, to be sure they do not make the same mistake.
I do not understand what happened with the bonus meter or why is it important.
Lol I have to laugh
We are consulting your case with MGA, please be patient I hope soon we will have an answer from them.
We have got an answer from the Malta Gaming Authority. I was last week at the conference in London and spoke with other gaming authorities about your case.
A moment before I was ready to post the reply casino contacted me it looks like the situation is a bit complicated.
They should post their reply very soon.
Besar Sejdii, I have asked to check all your activity in the Loki.com so being sure that we were honest and unbiased to you as for user of our casino.
And we saw next:
``Player's activity in our Casino started off a 43 euros deposit with a 100% welcome bonus on top of it. Per our Casino's bonus terms, maximum winnings from wagers made with the bonus funds is one time (x1) the amount of the bonus awarded, plus deposit. This means that if a player receives a €1,000 bonus with a €1,000 deposit, the maximum that can be won from said bonus is €2,000.
On the example of current case it would be 86 euros - 43 euros from deposit and the equal, 100%, amount of bonus received.
At the time of the second deposit in the amount of 70 euros, there were funds left from the initial deposit and bonus, therefor, since bonus wasn't wagered or canceled, player continued wagering the amount set under the bonus conditions that was left. As bonus was fully wagered, the amount on the balance converted per the mentioned earlier Bonus Terms.
It also worth mentioning, that greater portion of said winnings was received with a violation of max allowed bet - player won on bonus after betting 72 euros. Per section 10.8 of our Casino's Terms and Conditions, all bets are limited to a maximum of 50 Euros. Should it be technically possible to place a bet or spin above 50 Euros, Cyberplay Management Ltd will reserve the right to cancel the bet and refund the amount wagered, rendering any winnings or losses null.
Loki Casino Team
Sorry first you say I am not registered with you, now you come with that.
1. Why could I play up to 4600 euros even though it shouldn't be.
2. I never chose to want a bonus.
3. I haven't been playing in the casino since yesterday, what happened to you is just weak on your part.
If I had just lost, they wouldn't have said anything about bonus blah.
Who accepts a bonus what he can only pay out twice the deposit, that makes 0 sense.
B.s. we before made a huge effort to get information from as many gaming authorities as was possible to get an opinion about a restricted country problem and get enough data to rule in your favour. (against fair gambling codex classification)
The evidence, what casino showed us recently, completely changing the situation. From their website is it clear that they indeed have a max winning rule, and it is not hidden rule as you can see. On our website, we also show this bonus condition with bold text. We are now working together with the casino in a deeper understanding of what and how happened. You wrote that you didn't want a bonus, but their bonus is not automatic. Are you sure that you didn't take a bonus?
We also checked the bonus, but cap on bonuses is nothing terrible, it is entirely on the casino how they set their bonuses. In this case, you have a huge maximum bonus amount but not so high possible winnings, which is OK. I will let you know when we doublecheck all the proofs. Sorry for not so good news but at least we would be able to find out what happened.
I did not select the bonus.
To be honest, I don't expect the money anymore either.
How does that let the customer play until he has over 4600 euros, as soon as he wants to pay out the money is deleted. I have been playing in the casino for years and I have never seen such a fool.
If I had charged 1000 euros and lost it, it would not matter for the casino.
A lot of casinos have so that you have to select the bonus so that it is valid and here it is automatically on it, precisely for the reason that nobody can win.
And that's just wrong !!
I will definitely advise everyone against playing there
I spent lots of time with your complaint trying to understand what happened.
It looks like you made the first deposit of €43 and got a bonus 43€. This bonus you activated in your account, and it was possible to refuse the bonus and play only with a deposit as you can see on the screen.
Then you made your second deposit of €70 (and in this point, I am not sure how much money was left on your account, but casino said that you still had a bonus balance, we are not sure about the amount - in this point casino switch and don't want to tell us (before they were cooperating flawlessly) + there was a progress bar showing how much money you still need to wager)
After this second deposit, you continued to play with an active bonus. This bonus has maximum withdrawal 1x (bonus + deposit). After you won big winnings (with €72 bet which was a violation of max bet rule) at some point, you finished the wagering and casino deducted the rest of the winning from your account. So your account balance was set to €86.
What we are trying to understand: Did you know that your bonus is still active? We think that bonus, where you can win maximum 2x what you deposit, is not an advantage for a player. However, it is up to the casino how they set their bonuses, and we don't want to criticize them for that.
We want to be sure that casino doesn't use this max win rules in conjunction with other deposits to take an unfair advantage.
I knew nothing about a bonus and when I made the second deposit I did not receive a bonus, which would be correct because I did not want a bonus.
What I can not understand and want is why I can win over 4600 euros even though I could only have won a maximum of twice the stake. When I wanted to withdraw my credit, my money was deleted.
I hope nothing more, but that's just a cheek.
I could also open an online casino site and use shit bonus regulations so that players don't have a chance to win, but that's not fair.
Finally, we have all the data, and we can complete the story.
First deposit: you deposited 43€ and get a bonus of 43€ with maximum win rule of 1x (deposit +bonus) total 86€
Second deposit: you deposited 70€ and refused a bonus, but you had a 0.15€ balance left from the first deposit. The casino didn't cancel that bonus but instead lure you into a trap.
They assumed that you want to finish the wagering of the first bonus (but who on earth would do that and for what reason)
So because your bonus was still active, they apply also maximum winnings rule (86€) which is entirely predatory.
Nobody who will make a €70 deposit and refuse bonus would like to limit his winnings on €86 voluntarily.
About this situation, we had a lot of arguing with a casino representative. She told me that they created an environment and players should take care of the rules that you saw a bonus progress bar and if you didn't want a bonus you could cancel it anytime.
I consider this argumentation as bullshits, in good casinos, if the player makes a deposit and there is still some tiny balance left on his account, the casino void the bonus. In case that there is more bonus balance left, the casino should inform the player that he has still some balance left and ask him what he would like to do. (abandon bonus, keep the bonus)
However, they have right in case of your €72 bet:
When your balance reached €1641.24 you made a 72€ bet and won but, according to rules:
10.8 of our Casino's Terms and Conditions, all bets are limited to a maximum of 50 Euros. Should it be technically possible to place a bet or spin above 50 Euros, Cyberplay Management Ltd will reserve the right to cancel the bet and refund the amount wagered, rendering any winnings or losses null.
This single bet should be cancelled, but all other bets which not exceed €50 are OK.
So our point of view is that this casino owes you €1600 +- other bets you made. Their "environment" should fix this situation, or we will be considering this as unfair bonus terms.
In case they refuse to pay you, we will assist you in filing a complaint to Malta Gambling Authority.
That is oke 1600 I agree
Dear Loki Casino representatives:
Did you consider what I wrote in my last post?
We would like to ask the Loki Casino Online to reply to this complaint. We are extending the timer by 7 days. If the casino fails to respond in the set time frame, we will close the complaint as ‘unresolved’.
Unfortunately, after a lot of dialogues with Casino representatives, we were unable to convince them that this player should be paid and their "environment" is set wrongly.
The most persuasive arguments from casino side are that the player has a visible progress bar of the bonus and that the player can cancel the bonus anytime.
From our perspective:
When a player has only little amount of money on his account + active bonus and makes another deposit, this bonus should be automatically abandoned. Mainly because of maximum winnings rules from all Loki Online Casino bonuses (max win = 1x (bonus+ deposit)
This rule may lead to absurd situations like when player deposit €50 and take a first deposit bonus and with small amount of money left from the first deposit bonus make a second deposit of €1000. However, with still active first deposit bonus he may win a maximum €100.
Player agreed and will contact the MGA.
I have informed the MGA, waiting for an answer
I am extending the timer for another 7 days. We are still waiting for another answer from the Malta Gaming Authority.
Unfortunately, we still didn't get a respond from MGA. I am extending the timer last time for another seven days.
Unfortunately, we didn't get the second respond from MGA when we confront them with the hypothetical situation how absurd situation can this "environment" create.
In the first reply from MGA, they wrote:
Regrettably, we have no control over the allocation of bonuses, free spins or any other similar promotional material given by the gaming operators, since these are considered to be a business decision.
Because they didn't respond on our second message, we are unable to help B.s. We try to negotiate the situation with the casino, but their statement remains the same. The player should cancel the bonus before making the deposit. (€0.15 was that time left on his account) which caused that on his next winnings were applied 1x (bonus + deposit) maximum winnings rule (my opinion is that this is a very low cap for maximum winnings)
We believe that in this case player has partially right, and casino should pay him €1641.24.
The money value of complaint was lowered to €1641.24 because player breached a rule 10.8 and got winnings from more than €50 bet.
Situations like this we consider as predatory and against fair gambling codex.
Therefore we are closing this complaint as "unresolved."