Do you have contact info for byte news?

Anyone have contact with Muizgn? I think they've become skilled at hiding information now ??

Contact a guy called Adam Bradford - I would also be happy to contribute, anonymously! [email protected]

He does articles for main media outlets and been on BBC etc.

Anyone know anything about who PH Casino's (Usoftgaming) license in Curacao (or anywhere) is with?

I can't find the details of it on their website.

I have a dispute in with my bank in regards to this casino. I need to prove they have broke their T&C in order to be refunded. Does anyone know anything about them and how they operate?

Surprisingly they have the correct gambling merchant code for accepting payments on cards, despite being unregulated in the UK.

No, my friend.

I'm looking for it and I can't find anything.

Usoftgaming B.V. is under compliance management of Xecutive Corporate Management B.V. (XCM). Please refer to [email protected] if you can document that you have exhausted all complaint procedures of the website without satisfactory resolve.

[email protected]

Just had an FOS agent assigned to me, they've said the case will be reviewed on the activity of the bank rather than the actual casino themselves, which doesn't give me hope unfortunately, the system is really rigged in the casinos favor. Also stated they have looked at everything that's been sent to them at this stage and they don't think they need anything more from me.

Just had a response from Monzo, in short, they have rejected my chargeback stating it’s not fraudulent…

They replied within about 20 minutes to a very detailed message including all relevant laws and regulations. Mainly focusing on incorrect MCC and no goods received.

im dissapointed. I’ve gone back to raise the complaint but this sets the standard of their approach to this.

Can anyone help me financially until Monday? I have good reasoning

Hello Paul, hope you’re getting on ok mate.

I couldn’t find a way to contact you privately, and appreciate you were stepping away for the time being.

I’ve done a lot of research on this, and have summarised a lot of the issue into 1 email which was shared with Monzo and quickly rejected. I do feel my claim is correct and strong, highlighting laws and regulations related to this. Monzo replied very quickly so I’ve asked them to re evaluate the chargeback as I don’t think they spent anywhere near enough time on it. They probably saw the gambling comments and thought they could squash it.

Anyways, I’d hoped we could connect and I could share what I’ve found, and see if you have any advice. More so on how to approach the FOS with this. I don’t want to lose the fight, and perhaps I’ve already got the strongest approach, and chose to be transparent like you did. But would massively appreciate connecting as I know you had some push back from the banks as well.

If it helps the FOS contacted me today and said they're approaching it from how the banks handled it, not the issue with the offshore casino itself so i believe that may be how you should view approaching it.

Interesting, are you saying the approach should be more focused on the fact the bank didn’t identify these transactions because they were misrepresented? Also the fact the bank didn’t flag the unusual spending regardless of the transaction name?

I assumed I’d need to focus more on the casinos blame and merchant process for the bank to process the chargeback?

Yes, the FOS agent said they're focusing on the banks handling of it rather than the dispute itself, the casino's are damn near impossible to contact and usually send the same BS over and over so does make sense really. Really think it's down to whether you get a reasonable agent or the bank has mishandled the dispute. Could be worth highlighting the merchant process, i.e. wrong merchant codes, third party etc but they stated their focus of the complaint is with the bank itself rather than the casino.

I am not at FOS complaints on mine and likely won’t be, but do have experience with FOS complaints within my work. If they have said they are focusing on the banks the angle is that they should chargeback under a valid code. I.e 12.7 data or goods not received, if you read the two FOS claims that were accepted neither bank did the chargeback and was overturned, but if you check the ones that lost the majority of the people blamed the banks for missing the transaction, if it were me I would solely focus on the chargeback part so base it on either goods not received or incorrect data (whichever you tried), then reiterate that the bank cannot stop something that is being bypassed but if the correct code was used the gambling block would have caught it therefore it falls right for chargeback and would have a good chance to succeed. If they have rejected on goods and you haven’t mentioned gambling then just state no evidence was ever provided so they should have initiated chargeback.

12.7 is visa I don’t know the Mastercard version

www.kpvfaw.com, ban this user. Obvious a spam bot from the casino.

??

u should hire me.

I have mentioned gambling and i was unable to withdraw which i hope weighs in my favor but the fact the agent said they believe they have all the information they need so won't require any from me at this stage is disheartening. They asked me to confirm the amount which was wrong so i'm hoping that the bank has made errors there... Don't want to post too much information as its ongoing but i've gone a few angles at the FOS and raised a few points

Best of luck, if the adjudicator sides with bank you can progress to the ombudsman and that’s where they are likely to accept further information from you. Be interesting to see what basis the bank have refused chargeback as that is key, again no one blames bank or thinks they should stop the transaction but they should chargeback if valid reason and you do have if you can’t withdraw that should be a chargeback.

Thanks, i'm with the ombudsman now, they stated they looked at everything i've sent in my complaint and feel they don't need any more information at this stage, i'm assuming they mean the files they got from the bank themselves, i added some more information in my reply email just for good measure, but the fact they don't need anymore information at this stage as they put it either means they don't think i have a case or they feel the information is sufficient enough to proceed with my case. With the nature of these complaints i'm feeling very pessimistic even after sending them other examples of such cases in my reply email, i think it's down to pot luck with the agent and with the way they're not interested in more information i'm inclined to believe that i've hit an agent who won't side with me sadly.