Question about Gambling websites with Curaçao license using incorrect Merchant Category code (strana 306)

Still requiring advice on how to take action with falcora, canapay, quickbit and payop. Any advice appreciated?

I’m in the same boat mate have about 6k from January onwards so same transactions on the statement all to different accounts and sort codes so any help would be appreciated

You won't get anywhere with Falcora Finance, as the money is essentially sent through 'bank transfer'. The chargeback rules on these are very tricky and I don't think the banks have authority to even attempt to recall the money. The only way you could get it back is if the bank refunded you out of their own pocket, but seeing as you would've approved the transaction (and probably would have to tell them it went to a gambling site) it's basically impossible.

The contact information on their website is useless too, phone number doesn't ring out and they don't respond to emails.

Payop is a payment gateway. They won't be able to refund you as they are merely a third party that handle the transaction between you and the 'merchant'. Your best bet is to raise chargebacks with your bank and they will reach out to them.

Canapay - Go to the bank and tell them you never received any goods from them after purchasing from their site. Maybe attempt to send them an email and then if/when they don't reply you can use that as evidence?

For Quickbit, again just try and get a chargeback raised. If you haven't said anything about gambling to your bank then I would advise that you don't. Just tell them you bought something from their website and never got any goods/services. They may contest your chargeback though, as some people have mentioned here previously. They appear to be some of the only people that do contest it.

Falcora finance is also a payment gateway

Yes correct, however because the money is sent through a bank transfer it makes it more difficult. At least when a debit card payment is made to one of these payment gateways, they will assist with the chargeback when the bank reaches out to them

Thanks got told by the bank they could not do them plus way over 120 days now but Crypto said email them n copy in authorities what ones though

although that’s true the exact same issue Is at hand with this. When I spoke to the FCA about it they told me my bank should be helping with this. When contacting the bank they said they couldn’t help in anyway so I had to put in a complaint and am waiting for the outcome.

It's frustrating because technically, banks have no obligation to assist with things such as bank transfer etc. It becomes even more difficult when you realise that these bank transfers do not actually show where the money ends up. It just tells you the name of the payment gateway. When I spoke to the bank on this matter, they too said that they have no way of identifying the money even went to a fake 'merchant', compared to the debit cards where it is easy to see.

Hello!

First of all, I'd like to thank you for your contribution.

I was wondering whether I can, for a change, be of any use to you regarding the aforementioned relapse.

I would assume you are most likely already blocked through Gamstop, but perhaps you would also put some of the other tools and guides to beneficial use.

Casino Guru Safe Zone is at your full disposal: https://casino.guru/problem-gambling

As the Self-Exclusion Tool (beta version): https://casino.guru/global-self-exclusion-initiative/assistance-tool

I just hope you would not mind me stepping into the conversation. Best of luck with the chargebacks!

Santander are the worse 5 months it took for them to deal with mine ,constantly lying making up fake ip address saying it was mine .my ip address is ran through my sons data center the ip address they give turned out to be somewhere in hull .I originally raised as fraud but rejected was told they would raise as chargebacks and to send all relevant documentation back .months it went on for with various customer service advisors not having a clue what was going on one even told me the case was closed but kept being reopend but it its definitely rejected .in oct I finally get a call from a supervisor who said he was dealing with it started asking me really invasive q about my health as I have C Wanted to know medication treatment chemo sessions mental health which i found very invasive and upsetting .he said he was out of office until the tue and he would call me on the tue with an outcome .so I said but the decision has already been made hasn't it the case is closed according to your advisors as I have been told the claim keeps being rejected and the final decision has been made he was stumped .oh I know nothing about that I will call on tue .tue came rejected based on IP address

I contacted FO lady lovely she was shocked about time frame and invasive questions .

Santander also took 3 weeks to send the final letter no explanation or ref to dispute type fraud /chargebacks of goods not received just an ip address my son searched ip address and it came up as hull some financial center SMH his data center is in London so my ip address should show london

I have made FO aware of this

I called Santander yesterday as I actually want to know if they actually raised these as goods and services not received i was hung up on typical

The thing is I had gambling blocks and international blocks on my account i won 1400 on the site and it refused to pay out blocked me and refused any correspondence. I wanted either my funds or deposits back either or .I honestly do not think Santander investigated at all .they made me feel like crap had me in tears numerous times made me feel like I was a criminal and put me under so much stress than I needed to be under

I am still waiting to be assigned to a assessor by FO i am not holding my breath as I hear that alot of the cases are being denied and they are siding with banks .but as soon as this is over I am closing my account with Santander they are a bunch of cough cough .....

Sorry no

Hi mate hope all is well now.

Who were your merchants for your Santander transactions and did they raise all of them?

I have had successful chargebacks with

santander

chase

vanquis

tesco bank are denying mine from 2 weeks ago, saying they cannot get involved. I have complained about them so I can then go to the fca. I sent them proof of the merchant saying they will refund me and they haven’t.

thought I’d give an update regarding Artsrid, they said they refunded me then stopped responding for over a week. They finally replied today saying the refund was sent on 28/11/24 but don’t have an ARN(meaning they most likely didn’t send it) I’ve told them my bank are preparing to take action against them if no resolution is reached this week.

will keep you all updated

That’s slightly further than I got they stopped responding after I sent details, finnart said 3 weeks to investigate I think these two are linked due to office location.

Yeah Ngl at first it seemed promising as both took few days to reply but said they’d sent refunds-then it went silent until today.

Still nothing from Finnart in a week.

Weird thing about Artsrid is today they gave the time it was sent down to the second😂

probably pulled the time out their backside

Haha yes would assume it’s made up to suit. I think if they say they will honour the refund and it doesn’t turn up then the bank should be able to chargeback. Thing for me is Chase debit card is numberless and they don’t accept international transfers into the account so if they say to me it’s refunded then it will be a lie.

Hi mate, getting there! Hope you are good too. Relapsing this week has definitely opened my eyes to how stupid this whole thing is.

The merchants are:

CRPW (couldn't find any info on them)

GORIWIRE SP.Z.O.O (the company is called quickbit, they never responded to my emails)

auri digital (not much info on them other than they are linked to a website called 'skinczar')

BYTE NEWS (couldn't find any info on them)

On the second claim (after relapse):

NikoTPF*WEBOPS LTD (could be webops-advertising.com possibly?)

BYTE LAB (no info, surely related to BYTE NEWS?)

To my knowledge, they were all raised as 'goods not received'. The first set of chargebacks (before relapse) was a complete mess. Some got raised as a scam claim to begin with, and then changed to 'goods not received' eventually. I never received any provisional credit for these and after 49 days (as of right now) there are still no updates on the claim. I have been checking my Santander app every day in the 'Track A Dispute' section and called a few times but nothing. If I have no update within 60 days I will likely put a complaint in, as Santander have not told me if any of the merchants have replied, or if the claims are even close to being complete. They are a complete mess of a bank to be honest and after this is all done I will almost certainly look to switch over to somewhere like Barclays.

The second set of chargebacks were instantly raised as 'goods not received' and I was told over the phone that once my evidence is looked at, I will be issued provisional credit. Whether this is true or not I don't know but will keep you updated.

Probably doesn’t help as I started copying in the bank, FCA and action fraud with these companies in, just for my own amusement really and to apply some pressure…

Do you have insta or something mate, I’ll give you more info via a pm