i believe I may have some sort of breakthrough with Falcora Finance.

As Paul showed us, from 7th October 2024. Any bank transfer payments can potentially be refunded under the new rules.

let’s say you sent ￡800 across 20 payments after the 7th October (new rules introduction date). I don’t think it matters the amount of transactions as they all come under one claim.

Take a read of this and how I think it fits the criteria for a successful claim:

UK-to-UK Bank Transfer:

The payments were sent via Faster Payments to a UK sort code and account (ClearBank), which is covered by the reimbursement rules. At least in my case anyways, ClearBank is the bank Falcora have used to take payments, you will need to double check your scenario and which bank they went to.

Made After 7 October 2024:

The transactions were made after the new APP fraud protections came into effect.

Customer Was Misled:

The money was sent to what appeared to be a legitimate company (Falcora Finance), but it was acting as a payment processor for an illegal/unlicensed gambling site targeting UK users.

Illegal Services Received:

The merchant (a Curacao-licensed casino) was not authorised to accept UK customers, making the service illegitimate and misrepresented.

No Gross Negligence:

The customer believed they were dealing with a valid business and took reasonable care — this does not meet the high bar for gross negligence or complicity.

Not a Civil Dispute:

This is not a case of dissatisfaction with a service — it’s fraud by misrepresentation, which the APP rules cover.

This could be a complete waste of time, but all the cards seem to point in our favour.

Small win, one of the casinos the offered me a full refund, subject to signing a waiver, although this casino only got a few hundred from me. Fingers crossed the big ones with over 10k each follow suit!

You never know thats what i thought at the start of this and look how it went

I would love to know details of this if you can say.

Email is - [email protected]

not my real name lol.

It is definitely worth a try.

Which casino

Hi mate what is your email about 30bet.com review you did

I won't say on this forum to jeopardize my refund sorry

I would appreciate an email if you feel comfortable.

I tried to raise a dispute for Falcora Finance with Santander a few months ago to no avail, but I might try them again now using this.

Give this a go and let us know the outcome, good luck.

I chased the bank about sknsmgnte today as its 2 days over the deadline and I have not had any comeback on it

I have also reported the situation to Action Fraud who can hopefully assist, I imagine this could help sway my bank in the right direction. I see you are from the UK too. Are you aware that the money ends up in a bank account owned by a company called Nucleus365?

Action fraud do nowt sorry to say hopeless just refer you to the local police station who also cannot do anything

Yeah I imagine this will happen, but having the crime reference number may help the bank in some way. I guess it shows that you are legitimately trying to pursue a crime?

They will provide fraudulent receipts. They did when I raised a chargeback through revolut. The receipt did not match my transactions and my personal details other than my name was incorrect. Revolut still ruled in their favour. I took my case to the FOS

I tried all that before suppose it depends what bank it is mine was Nationwide but made no difference then

I tried the app push scam route with my bank in regards to donbet and its money laundering. It took months of investigations (5 months) and the investigator was very sympathetic and I thought he was going to rule in my favour but he ultimately decided that although it was illegal activity by many companies… at the end of the day I paid for a casino and got a casino in return.

He said it wasn’t the banks place to judge too much on how legit or proper the company is. But then he kind of contradicted himself by saying it was clear from googling that santeda are a massive organisation with thousands of transactions and customers so can’t be a scam. He pointed to the amount of good reviews online to it. So that’s why they flood trustpilot and elsewhere with fake 5 star reviews to show they are running a legit operation in the eyes of uk banks.

im appealing my banks decision and its going to end up with FOS. My bank said it was a complicated issue and they would not be surprised if the ombudsman went in my favour.

i should point out what was said about clear bank. That is true. But be warned, in my case, clear bank actually helped falcora and santeda by sharing my personal data with clear bank. Obviously I had nothing to do with clear bank but they have all my data and they are actively trying to help santeda their client. To be clear clear bank are not on your side and do not care at all about their actions.

I should also point out that nucleus 365 is also involved in this. A uk company. They act as another payment processor here. Falcora opened a nucleus 365 account to further get the money you spend to clear bank. It doesn’t go from falcora to clear bank direct.

my advice is definitely to flag as push payment scam. But also as the investigation result comes in ask for all the info you can with sar requests to your bank. then when they say about falcora and nucelus 365… approach those companies asking for sars.

im thinking of going a class action lawsuit or media report on all this aml criminal activity. If anyone wants to get in touch about their santeda case then leave your email and I will respond

They already did and I objected last I heard was if no reply by 21st ive won them and the bank will send the refunds so I chased up today

I’ve never heard of Nucleus365?