zdravo svima,
Nadam se da ste svi dobro.
Ja sam kompulzivni kockar koji se registrovao na GAMSTOP-u da pokuša da kontroliše svoje ponašanje. Uprkos tome, pronašao sam MiStake i povezane sajtove i ponovo počeo da se kockam. Uzimao sam kredite, koristio kreditne kartice, pa čak i prodavao lične stvari da bih finansirao svoju zavisnost – stvari koje su mnogima od vas možda poznate. Priznajem da je moja situacija rezultat mojih sopstvenih postupaka i preuzimam punu odgovornost.
Između novembra 2023. i aprila 2024. deponovao sam preko 90.000 funti, od čega sam većinu uzeo od članova porodice. Lagao sam prijatelje, a sada sam završio sa CAT6 Cifas markerom na mom dosijeu. Jedan od mojih bankovnih računa je zatvoren nakon što sam pokušao povraćaj sredstava od MiStake, FreshBet i GoldenBet-a (sve vodi Santeda International). Ovi zahtevi su odbijeni i zamolio sam MiStake da zatvori moj nalog u februaru 2024, za koji su potvrdili da je trajno zatvoren. Međutim, kasnije su lagali o tome, navodeći da je to samo tajm-aut, iako imam dokumentaciju koja to dokazuje. CasinoGuru je takođe odbio moju tvrdnju, jer nisam spomenuo da imam problem sa kockanjem, samo da sam želeo da prekinem zbog svojih gubitaka.
U procesu sam podnošenja žalbe FOS-u, iako nisam optimista u pogledu povrata bilo kakvih sredstava pošto je Santeda International odgovorna za isplate, i sumnjam da će sarađivati.
Iako priznajem da su moji postupci moji, ne mogu a da se ne zapitam da li je ono što Santeda International radi zapravo nezakonito.
Evo raščlanjenja: 75% mojih depozita je otišlo direktno u Santeda International, a preostala sredstva su poslata sledećim kompanijama (u zavisnosti od njihovog diskrecionog prava):
TransferOp Paiment Gatevai
Riker Development (GoldenBet)
Falcora Finance (MiStake & FreshBet)
Ono što me brine je to što je svaka pojedinačna transakcija obrađena preko Noda VL Pai — entiteta registrovanog u Velikoj Britaniji i licenciranog od strane FCA. Zanima me, kako FCA može ovo da dozvoli?
Pored toga, bankovni računi koje koriste Santeda, TransferOp, Riker i Falcora su svi registrovani u Velikoj Britaniji, uključujući Modulr FS i ClearBank, koje su dobro poznate institucije. Čini se da su druga dva naloga iz kompanije za menjanje valuta, a jedan se čak čini da je lični nalog.
Ako neko ovde ima znanja o FCA propisima, finansijskom zakonu, bankarstvu ili usklađenosti, bio bih veoma zahvalan na vašem uvidu o tome da li je ova aktivnost legalna. Više bih voleo da radim za kompaniju sa sedištem u Velikoj Britaniji nego za kompaniju koja radi na Kurasau.
Na kraju, primetio sam da je Santedina registrovana adresa takođe i lokacija druge kompanije, Sadekia, koja nudi licence za kockanje. U stvari, čini se da mnoge kompanije za kockanje imaju sedište tamo.
Takođe sam zatražio kompletan kreditni izveštaj jer planiram da preduzmem mere protiv ovih kompanija ako ne mogu da povratim svoj novac. Veoma malo verujem da će FOS biti od pomoći.
I samo da pojasnim, za one koji kažu da sam ja kriv – znam. Preuzimam punu odgovornost. Ali verujem da Ujedinjeno Kraljevstvo ima uspostavljene sisteme za zaštitu ljudi poput mene koji se bore sa zavisnošću, a u slučajevima kao što je moj (i za hiljade drugih), potrebna nam je podrška da se izvučemo iz dugova i obnovimo odnose koje smo oštetili. Žao nam je, ali poverenje je narušeno i teško je to obnoviti.
Hello everyone,
I hope you're all doing well.
I’m a compulsive gambler who registered with GAMSTOP to try to control my behavior. Despite this, I found MyStake and its related sites and started gambling again. I took out loans, used credit cards, and even sold personal items to fund my addiction—things many of you might be familiar with. I acknowledge that my situation is the result of my own actions, and I take full responsibility.
Between November 2023 and April 2024, I deposited over £90,000, much of which I took from family members. I lied to friends, and now, I've ended up with a CAT6 Cifas marker on my record. One of my bank accounts was closed after I attempted chargebacks from MyStake, FreshBet, and GoldenBet (all run by Santeda International). These requests were declined, and I asked MyStake to close my account in Feb 2024, which they confirmed was permanently closed. However, they later lied about this, stating it was just a time-out, even though I have documentation proving it. CasinoGuru also rejected my claim, as I didn’t mention I had a gambling problem, just that I wanted to stop due to my losses.
I’m in the process of filing a complaint with the FOS, though I’m not optimistic about recovering any funds since it’s Santeda International responsible for payouts, and I doubt they will cooperate.
While I recognize that my actions are my own, I can’t help but wonder if what Santeda International is doing is actually illegal.
Here’s the breakdown: 75% of my deposits went directly to Santeda International, and the remaining funds were sent to the following companies (depending on their discretion):
TransferOp Payment Gateway
Ryker Development (GoldenBet)
Falcora Finance (MyStake & FreshBet)
What concerns me is that every single transaction was processed through Noda WL Pay—a UK-registered entity licensed by the FCA. I’m curious, how can the FCA allow this?
Additionally, the bank accounts used by Santeda, TransferOp, Ryker, and Falcora are all registered in the UK, including Modulr FS and ClearBank, which are well-known institutions. The other two accounts seem to be from an FX exchange company, with one even appearing to be a personal account.
If anyone here has knowledge in FCA regulations, financial law, banking, or compliance, I would greatly appreciate your insights on whether this activity is legal. I’d much rather pursue a UK-based company than one operating out of Curacao.
Lastly, I noticed that Santeda’s registered address is also the location of another company, Sadekya, which offers gambling licenses. In fact, it seems like many gambling companies are based there.
I’ve also requested a full credit report because I plan to take action against these companies if I can’t recover my money. I have very little faith the FOS will be of help.
And just to clarify, for those who say it’s all my fault—I know. I take full responsibility. But I believe the UK has systems in place to protect people like me who struggle with addiction, and in cases like mine (and for thousands of others), we need support to get out of debt and rebuild the relationships we’ve damaged. We’re sorry, but trust is broken, and it’s hard to rebuild that.
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