πριν από 1 μήνα
Έχει ήδη ξεκινήσει κάποιος μια διαδικασία αντιστροφής χρημάτων με την BBVA Bank και μπορεί να μοιραστεί την εμπειρία του; Ευχαριστώ.
Αυτόματη μετάφραση:
πριν από 1 μήνα
I’ve created a form for people to submit their information.
You can then see the full list of submissions/info here
https://docs.google.com/spreadsheets/d/1VV7CuNRvGzsH2ovuPTqhaB9uB9Sy8AMNQzuyDLnhTOU/edit?usp=sharing
ΑπάντησηΑναφορά4
πριν από 1 μήνα
Understood. But.......
- Mastercard do block chargebacks as they explicitly state in their Chargeback Rules that there is no chargeback right for gambling payments unless the money failed to appear in the users account or staged digital wallet. There is no chargeback code for this. However, they also say gambling payments MUST be coded 7995. Issuing banks have to follow these rules. I simply want an answer, yes or no, that they would allow a chargeback in these circumstances that don't fit exactly in to their rule set. Customer service refuse to be drawn on the matter, so I want to speak to someone with more knowledge or authority.
- With Visa provided you have a gambling block on your card, the use of chargeback code 12.7 (innacurate data) protects the customer as if the data was accurate, the payment would not have completed due the blocked MCC 7995. No such mechanism exists with Mastercard.
- We do pay for the use. The merchants simply add the fees to their prices, transparently or not.
- Yes, it's totally understandable that banks can't block transactions where the MCC is obfuscated. However, that doesn't mean they are defenceless. Mastercard have a database called MATCH (Mastercard Alert to Control High-risk Merchants) that if chargebacks were allowed, would be fully updated with these 'merchants'. Visa have a similar system.
- Of course transactions coded 7995 should not be elgible for chargebacks. You're right - it would rapidly overwhelm the system. And yes, the system does need to be fixed, I agree 100%
- With regards to Incorrect MCC coding you are again correct. As they're set by the acquiring banks they are a compliance issue. But again, allowing chargebacks against these merchants on MC network would bring them onto the MATCH database and they would become blocked at acquirer and merchant level. My bank will not raise this as a compliance issue and use the arbitration route with MC due to the total block on gambling chargebacks. This is what I mean, there is no latitude. It's too black and white in a murky world of grey.
- I disagree partially here. I know in my case, getting my money would have helped break the cycle. I was prepared to stop, and in fact I did, for several months until I lost my complaint with the Ombudsman. Then I relapsed trying to get the money back so I wouldn't get evicted. What is crucial is that society starts to treat ALL addictions as a disease and treats them accordingly. Opinion hasn't changed in this country and a vast majority of people still think addicts choose to be so, that they elect to take heroin, gamble or watch pornography.
- Chargeback is not a right under UK law, however, in the words of the FCA "Where there is reasonable chance of success we would expect banks to undertake chargebacks on behalf of their customers". The PSR are also of the opinion that this is the case.
Sorry if I sound angry, but it's because I am. These casinos are scams. They don't payout, they aren't licensed in the UK and they deliberately target people with an addiction in the UK. It's the same as buying something online you think is genuine, but when it turns up, it's a fake.
I'm not a conspiracy theorist and I don't believe the banks and card schemes are in on it but they need to do more to protect people from the scam. The same goes for the Gambling commission and UK Governement.
In the UK we can join gamstop, install gamban and block gambling transactions on our cards. If we do all of this and relapse (addicts of all varieties often do on the road to recovery) and are scammed out of our money, shouldn't we be entitled to get it back?
πριν από 1 μήνα
My reply has gone into pending lol. Do you work for Mastercard?
I agree with most of what you have said, but it's a bit more nuanced than the basics of the rules.
πριν από 1 μήνα
Σας λήστεψαν μόνο αν επρόκειτο για απάτη/εξαπάτηση ή μη εξουσιοδοτημένες πληρωμές. Αν εισάγατε τα στοιχεία της κάρτας σας και επιβεβαιώσατε την πληρωμή, αυτή εγκρίθηκε οικειοθελώς – και λάβατε αυτό που θέλατε εκείνη τη στιγμή: να παίξετε. Αυτό δεν κάνει τους παρόχους «καλούς», αλλά δεν το καθιστά ούτε κλοπή. Απλώς το σύστημα επιτρέπει τέτοιες ανοησίες.
Αυτόματη μετάφραση:
πριν από 1 μήνα
Yes, and these casinos are fraudulent.
We didn't want to play, we did it because we are addicted and were targetted by these fraudsters.
πριν από 1 μήνα
I’ve created a form for people to submit their information.
You can then see the full list of submissions/info here
https://docs.google.com/spreadsheets/d/1VV7CuNRvGzsH2ovuPTqhaB9uB9Sy8AMNQzuyDLnhTOU/edit?usp=sharing
πριν από 1 μήνα
Well done. I will start inputting some data as soon as I get some spare time 🙂
ΑπάντησηΑναφορά1
πριν από 1 μήνα
Any uk/eu residents with payments to listed merchants should submit a DSAR request to aureavia. You can ask for payments transaction data, and also request full merchant transparency. I have sent one and will update with outcome
πριν από 1 μήνα
Already have.
They're just ignoring people now.
πριν από 1 μήνα
Ποιος είναι ο καλύτερος τρόπος για να χειριστώ τις πληρωμές με VISA που εμφανίζονται ως τραπεζικές μεταφορές στη Revolut; Θέλω να το χειριστώ σωστά.
Αυτόματη μετάφραση:
πριν από 1 μήνα
Did they already refund you? I've been waiting for over 2 weeks too
πριν από 1 μήνα
Anyone know who to contact for Wedela administration
πριν από 1 μήνα
Επικοινώνησα με την Action Fraud για να αμφισβητήσω τις δόλιες πληρωμές, αλλά έκλεισαν την υπόθεση, αποφαινόμενοι υπέρ του εμπόρου χωρίς καν να τους συμβουλευτώ ή να διενεργήσω τους κατάλληλους ελέγχους.
Αναρωτιέμαι αν κάποιος έχει αντιμετωπίσει κάτι με απάτη Action ή μήπως είναι άσκοπο να υποβάλλει καταγγελίες σε αυτόν.
Αυτόματη μετάφραση:
πριν από 1 μήνα
what reason did you say for chargeback they’ve replied to me telling me to chargeback. And also did they accept the chargeback quickly?
πριν από 1 μήνα
So exhausting talking to call handlers. None of them understand VISA rules. Nothing but judgemental comments honestly
πριν από 1 μήνα
Contact their owner. I did. Then I found the payment processors
Προσθήκη ανάρτησης
